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WHAT DOES QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY DO WITH YOUR PERSONAL INFORMATION?
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.
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 and income
account balances and payment history
credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
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 reason Queensborough National Bank & Trust Company chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Queensborough National Bank & Trust Company 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
For our marketing purposes—
to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes—
information about your transactions and experiences
For our affiliates' everyday business purposes—
information about your creditworthiness
We don't share
For our affiliates to market to you
For nonaffiliates to market to you
Call 478-625-2000 or go to www.qnbtrust.com
What We do
How does Queensborough National Bank & Trust Company 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.
Customer information is highly confidential and therefore only available to persons who have a need for the information to service a customer’s account or fulfill that person’s job responsibility.
How does Queensborough National Bank & Trust Company collect my personal information?
We collect personal information, for example, when you
open an account or deposit money
pay your bills or apply for a loan
use your credit or debit card
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.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Queensborough National Bank & Trust Company has no affiliates.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Queensborough National Bank & Trust Company does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include an investment services company.
Queensborough National Bank & Trust maintains industry approved security systems to protect customer data from unauthorized access. It is the policy of the bank that information it has about its customers is highly confidential and is only available to persons who have a need for the information to properly service a customer's account, act upon a customer's request or to fulfill that person's job responsibility.
Queensborough National Bank & Trust is committed to protecting your right to privacy. You can help by following a few guidelines:
Protect your account numbers, personal identification numbers (PINs) or passwords. Never keep your PIN with your ATM or debit card, which can provide access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers and social security numbers to other individuals.
Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of your account, we will attempt to contact you immediately.
Keep Wi-Fi networks password protected. This keeps out hackers and unauthorized users.
When you finish using online services always click on the Log Off button to exit the application and prevent unauthorized access to your account. If you are using a public PC (such as in a school or library) you should also close the browser when you are finished.
Install virus protection software on your PC and keep the software updated. Use the virus protection software to scan all other software you have downloaded to your PC and to scan diskettes before using them or downloading information from them onto your PC.
Don’t click on links in e-mails you receive requesting personal or financial information. These e-mails may appear “official” but may be part of a “Phishing Scam” designed to download malicious software (malware) onto your computer to steal personal data. The links on these e-mails may send you to fake sites.
Effective immediately your account terms and conditions are amended to include the following:
Restricted transactions as defined by Federal Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.