Privacy Policy

Privacy Policy

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At The Baldwin State Bank, our mission is to meet the desires of our customers. As financial service professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy Policy serves as a standard for all of The Baldwin State Bank employees for collection, use, retention, and security of individual customer information.

Facts

What does Baldwin State Bank do with your personal information?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Account balances
  • Payment history
  • Credit history
  • Overdraft history
  • Checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

Reasons we can share your personal information Does Baldwin State Bank share? Can you limit this sharing?
For our everyday business purposes – 
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes –
to offer our products and services to you
No We don’t share
For joint marketing with other financial companies  No We don’t share
For our affiliates’ everyday business proposes – 
information about your transactions and experiences
No We don’t share
For our affiliates’ everyday business proposes –
information about your credit worthiness
No We don’t share
For nonaffiliated to market to you No We don’t share

 

What We Do

How does Baldwin State Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. Therse measures include computer safeguards and secured files and buildings.

How does Baldwin State Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Give us your contact information
  • Make a wire transfer
  • Show your driver’s license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your right under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Baldwin State Bank has no affiliates

Nonaffiliates

Companies not related by common ownership or control. They can be finical and non-financial companies.

  • Baldwin State Bank does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Baldwin State Bank doesn’t jointly market.

Other Important Information

For Alaska, Illinois, Maryland, and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to you.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share peronsal information with affiliates or for joint marketing about your creditworthiness without your authorization.