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Throughout our history, HomeBank Texas has been committed to protecting the privacy and confidentiality of all information regarding our customers and their banking relationships with us. This commitment has never been more important than it is in today's high-tech environment.
As part of our normal operating procedures, we collect, retain and use information about our customers. This information, while accumulated from a variety of sources, generally comes directly from our customers. We limit the use and collection of this information to that which is necessary to administer our business.
While striving to provide our customer with the financial products and services they need to accomplish their business and personal goals, we believe that their privacy should never be compromised. We recognize the right of our customers to this privacy and have in place standards and controls to ensure that any information in our possession remains confidential.
In keeping with reasonable commercial standards, HomeBank Texas has established procedures to ensure that the financial information concerning our customers is accurate and current. If we are notified by our customers that their records contain inaccurate data we will investigate and make any corrections deemed appropriate.
In addition to this Privacy Policy, HomeBank Texas has adopted a Code of Ethics Policy. This Policy further emphasizes the confidentiality of any information gathered concerning our customers. Because of the importance of maintaining the confidentiality of customer information, a violation of either policy will trigger disciplinary action.
HomeBank Texas is committed to the security of all financial and personal information about our customers. Our operational and data processing systems are in a secure environment that protects any account information from being accessed by unauthorized third parties.
In addition, HomeBank Texas places strict limits on who receives specific information about our customer's account or other personal data. It is the Bank's policy NOT to reveal specific information about our customers to unaffiliated third parties unless (1) our customer requests the release of the information; (2) the information is needed to help complete a transaction initiated by our customer;(3) the information is provided to a reputable credit bureau; or (4) the disclosure is lawfully permitted or required. We do not provide information for the purpose of independent telemarketing or direct mail marketing of any products or services.
The Following Is Our Annual Privacy Notice
Facts – What Does HomeBank Texas Do With Your Personal Information?
WHY? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but 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.
What? 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
Transaction History
Account Transactions
Checking Account Information
When you are no longer our customer, we continue to share your information as described in this notice.
How?All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons HomeBank Texas chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
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
Does HomeBank Texas share? Yes
Can you limit this sharing? No
For our marketing purposes – to offer our products and services to you
Does HomeBank Texas share? No
Can you limit this sharing? We do not share
For joint marketing with other financial companies
Does HomeBank Texas share? No
Can you limit this sharing? We do not share
For our affiliates’ everyday business purposes – information about your transactions and experiences
Does HomeBank Texas share? No
Can you limit this sharing? We do not share
For our affiliates’ everyday business purposes – information about your creditworthiness
Does HomeBank Texas share? No
Can you limit this sharing? We do not share
For nonaffiliates to market to you
Does HomeBank Texas share? No
Can you limit this sharing? We do not share
Questions? Call 972-287-2030
What We Do
How does HomeBank Texas protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does HomeBank Texas collect my personal information?
We collect your personal information, for example, when you
Open an account
Pay your bills
Apply for a loan
Make deposits or withdrawals from your account
Provide employment information
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 rights under state law.
Definitions
Affiliates – Companies related by common ownership or control. They can be financial and non-financial companies.
HomeBank Texas does not share with our affiliates.
Nonaffiliates – Companies not related by common ownership or control. They can be financial and non-financial companies.
HomeBank Texas 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.
HomeBank Texas does not jointly market.
Other Important Information
For Texas Bank Customers – HomeBank Texas is chartered, licensed or registered under laws of the State of Texas and, by state law, is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against HomeBank Texas should contact the Texas Department of Banking through one of the means indicated below: In person, or by U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No. (877) 276-5554; Fax No. (512) 475-1313; E-mail: Consumer.complaints@banking.state.tx.us; website: www.banking.state.tx.us.
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