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Du Quoin State Bank is committed to respecting the individual privacy of our customers. We understand the importance of protecting customer privacy in establishing and preserving a long-term relationship. In accordance with federal banking regulations, we have adopted this Privacy Notice to reaffirm our continued commitment to respect our customers' privacy.
This notice is provided for informational purposes to all consumer customers as required under the federal privacy laws. This is not a notice of any changes to our existing privacy policies. As used in this notice, the terms "you" and "customers" mean 1) all of our consumer customers who have a continuing relationship with us such as a deposit account or a loan and 2) all of our consumer loan applicants.
We hope that this notice will assist you in understanding how we handle customer information and the measures we take to protect your personal and financial information. The confidentiality of your nonpublic personal information will continue to be maintained in accordance with this notice even if you decide to close your accounts with us or your accounts become otherwise inactive. If you have any questions regarding this notice or have any concerns regarding your privacy, please feel free to call us at (618) 542-2111 or contact any of our staff members.
We appreciate your business and will continue to honor the trust you have placed in us. Thank you for choosing Du Quoin State Bank as your financial institution.
We may collect nonpublic personal information about you from the following sources:
As used in this notice, the term "nonpublic personal information" means any personally identifiable financial information about you that is not publicly available that we obtain in connection with providing a financial product or service to you. (For example it may include information such as your social security number, account balance, payment history or assets.)
Except as otherwise provided in section 4 of this notice, we do not disclose any nonpublic personal information about our customers, former customers or any other individuals or entities to anyone, except as permitted or required by law. (For example, we are permitted to disclose nonpublic personal information about you to nonaffiliated third parties retained to assist us in servicing your loans or deposit accounts, to government entities in response to subpoenas and to credit reporting agencies.)
As permitted by law, we may also disclose all of the information that we collect, as described in section 1 of this notice, to certain other nonaffiliated third parties, such as insurance companies, with whom we have joint marketing agreements. In addition, in order to provide you with the best products and services available, we may also disclose such information about you to advertising agencies or other market research companies that we may retain to provide marketing services on our behalf.
In order to obtain greater access to information about other financial products and services, we may choose to disclose your nonpublic personal information to Lincoln Wealth Management, Inc. (Lincoln)*1. Lincoln is an independent securities broker/dealer located on our premises.
If you would like to take advantage of this type of benefit, you may authorize us to not disclose your nonpublic personal information to Lincoln by completing the Opt Out Election Form included at this link. You may return the form to any of our staff members or mail it to us at:
Du Quoin State Bank
P. O. Box 468
15 East Main Street
Du Quoin, IL 62832
Please make sure that you only return the Opt Out Election Form and that you retain this notice for your records. Please note that incomplete forms or any forms not submitted in accordance with the instructions provided above may be subject to delay or may be disregarded in the event we are unable to discern your directions.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical and procedural safeguards that comply with applicable federal and state banking standards to guard your nonpublic personal information.
We continually strive to maintain complete and accurate information about you and your accounts. If you ever believe that our records contain inaccurate or incomplete information about you, please let us know immediately. We'll correct any inaccuracies as quickly as possible.
If you believe we have reported inaccurate information about your account to any consumer reporting agency, please let us know in writing. Be sure to include your complete name, current address, social security number, telephone number, account number, type of account, specific item of dispute and the reason you believe the information is wrong. We'll investigate your concern and correct any inaccuracies we find. We'll confirm any actions we take with you.
This notice is effective as of the date printed below. Please note that the examples used in this notice such as, but not limited to, the type of information we collect and share, are provided for illustrative purposes and are not intended to be exclusive. We reserve the right to change our privacy policies at any time subject to any prior notice required under applicable law.
Member FDIC | 12/1/2005
1 *Lincoln Wealth Management, Inc. (Lincoln) is a separate company affiliated with this Bank. Lincoln is an independent broker/dealer. Lincoln is NOT a depository financial institution, such as a bank or savings association. Lincoln is a member of Securities Investor Protection Corporation (SIPC). Products offered by Lincoln or its insurance agencies are (1) NOT insured by the Federal Deposit Insurance Corporation ("FDIC"), any government agency, or any other deposit insurance program, including without limitation, SAIF or BIF; (2) NOT deposits with, obligations of, or guaranteed by this Bank; (3) SUBJECT to investment risk, including possible loss of the principal amount invested.
When you visit our website to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. To evaluate the usefulness of our site, we may gather and analyze data regarding usage such as:
To provide better service and a more effective web site, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our web page server. We do not use cookies to get data from your hard drive or to get your email address or personal identifying information.
Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our web site and for a number of administrative purpose.
When you send us an e-mail to comment on something or to ask a question, we will use your e-mail address to reply to you and for a limited time we will store your e-mail address, your message and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your e-mail address in this manner, we won't use it to let you know about our products and services unless you have given us permission.
This information is not given or sold to any other organization.
Regular non-encrypted Internet e-mail is not secure. In the instances where our Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. E-mail you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you not send us confidential information such as social security or account numbers via unsecured email. You may also contact us by phone, U.S. mail or by visiting your nearest banking center.
When you bank online with us, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you.
We use state-of-the-art Internet technology, supported by the outside companies we work with, to make online banking secure and to protect your personal information. We also require an I.D. and password or PIN to access your accounts. If you do not provide this information, we cannot establish an online banking service for you.
You can also help safeguard your personal information by taking a few simple precautions. Protect your account, PIN, and customer access numbers. Do not share your I.D. or password with anyone, change your password regularly, and remember to sign off. Never disclose confidential information to unknown callers. When banking on the Internet, be sure to use a secure browser and current virus detection software, and never open e-mail from unknown sources.
Whenever we ask for personal information on our web site, we use Secure Socket Layer (SSL technology) for transferring data. This technology encrypts - or scrambles - your account information so it's virtually impossible to read by anyone other than employees at our Bank.
Secure Socket Layer (SSL) technology secretly encodes information that is being sent over the Internet between your computer and our Bank, helping to ensure that the information remains confidential.
The use of SSL requires that you have an SSL compatible browser. While older browser versions may support SSL sessions, we strongly recommends the following browsers.
You can download the latest version from either of the links below.
http://www.microsoft.com/ie/download/
http://home.netscape.com/download/index.html
Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.
When our country was attacked on September 11, 2001 our lives were forever changed. In an effort to protect you and our country, the USA PATRIOT Act was signed into law.
To help our government prevent the funding of terrorism, money laundering activities and various forms of fraud such as identity theft, the Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person who opens a new account or requests a loan.
What does this mean to you?
In some cases, identifications may be requested from existing customers of Du Quoin State Bank if the original documentation was not obtained when the account was opened. Protection of our customer's identity and confidentiality is our bank's pledge to you.
We proudly support all efforts to protect and maintain the security of our customers and our country. We appreciate your cooperation in our compliance with the Federal law. If you have any questions regarding the USA PATRIOT Act please contact us.