Privacy
Privacy Policy
Rev. 11/2022
|
| FACTS |
WHAT DOES SPRINGS VALLEY BANK & TRUST COMPANY 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 and income
- Account balances and payment history
- Credit history and overdraft history
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 Springs Valley Bank & Trust chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does Springs Valley Bank & Trust 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 |
Yes |
No |
| For joint marketing with other financial companies |
Yes |
No |
| For our affiliates' everyday business purposes - information about your transactions and experiences |
Yes |
No |
| For our affiliates' everyday business purposes - information about your creditworthiness |
No |
We don't share |
| For nonaffiliates to market to you |
No |
We don't share |
| Who We Are |
| Who is providing this notice? |
Springs Valley Bank & Trust Company |
| What We Do |
| How does Springs Valley Bank & Trust 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.
Springs Valley Bank & Trust employees are continually trained on these security measures.
|
| How does Springs Valley Bank & Trust collect my personal information? |
We collect your 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.
|
| 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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
|
| Definitions |
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include companies that utilize the names Springs Valley Bank & Trust or SVB&T.
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Springs Valley Bank & Trust Company does not share with non-affiliates so they can market to you.
|
| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include financial service companies and loan service providers.
|
Internet Privacy Disclosure
This Internet Privacy Disclosure has been created to show Springs Valley Bank & Trust Company’s commitment to the privacy of all visitors to our website. The following discloses how we gather and share information.
By accessing our web site, you agree to be bound by all the terms and conditions contained in this Internet Privacy Disclosure. By using this Site, you additionally consent to our collection, use, and retention of your information as described in this disclosure. Please review carefully. This Internet Privacy Disclosure may change from time to time. By continuing to use this website after changes are made is an acceptance of those changes, so please check the disclosure periodically for updates.
Information Collected
Springs Valley may collect various types of personal information about you. This is dependent on how you interact with this website. Types of information collected may include:
- Personal information that is limited to what is required for online applications and online banking services as stated in our Privacy Policy.
- Data Usage is automatically collected when you access our website. This type of information may include, the type of web browser used, operating system used, IP address, internet service provider’s domain name, your City, State and Country, and your usage of our website.
Cookies
Springs Valley uses cookies and similar technologies on our websites and mobile applications to help provide you with the best possible online experience. Cookies are small text files that contain no personal information. They are used solely to help your browser process features like logins, preferences and other personalized features. By using our sites and apps, you agree that we may store and access cookies and similar technologies on your device. For more information about cookies and how to limit cookies by modifying your browser settings, visit allaboutcookies.org.
How We Use Your Information
- To provide our website and its content to you.
- To operate and improve the products and services we offer.
- To personalize your digital and mobile experience.
- To detect fraud or illegal activities.
- To communicate notices about your account
- To comply and enforce applicable legal requirements from any contracts entered into between you and Springs Valley, including for billing and collection.
- To provide quality advertising on our Site and Apps.
- For any other purpose with your consent.
How We Share Your Information
- When you consent for us to do so.
- With third-party service providers performing services on our behalf such as Google Analytics. Please see Third Party Disclosures below.
- With Government Agencies as required by laws and regulations.
- For legal purposes if required.
Third-Party Disclosures
Our Site uses the Google Analytics platform, which is operated by Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA. When you access our website, Google Analytics collects data on Springs Valley’s behalf, for the purpose of site improvement.
For more information about Google Analytics and to read their privacy policy, visit their site HERE.
Children
Our website is not intended for children under the age of 13 years. No one under the age of 13 should provide any personal information to our website. We do not knowingly collect identifying information from children under the age of 13.
In accordance with the Children’s Online Privacy Protection Act (COPPA), if we discover or believe that we have received any information from a child under the age of 13, we will delete that information. Please contact Springs Valley Bank & Trust Company if you believe we may have information from or about a child under the age of 13.
Security
Springs Valley utilizes measures such as encryption and secure firewalls to secure your information as it transmits from your personal devices to our Site.
Generally, most eMails are not encrypted and therefore requires you to be selective in what information you include in your eMails (example: confidential information, such as an account number should not be included in an eMail). When confidential information needs to be communicated, please utilize our secured Contact Us form on our website or contact us by phone or in person.
We require customers to utilize specific passwords for access to confidential and private information. Springs Valley reminds customers of their responsibility to safeguard login ID's and passwords. In addition, commercial customers should carefully screen those employees to whom user ID's and passwords are granted.
We remind all our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. We can only establish procedures to help restrict use of and access to confidential and private information. If any Springs Valley Bank & Trust customers believe that confidential and private information has been compromised, please contact us immediately so that the potential breach can be investigated.
Links To Other Sites
At times, we may provide links to third-party sites. If you choose to follow these links not controlled by Springs Valley Bank & Trust, you accept all responsibility for any damages resulting from your use of that site. You should review their privacy and security policies as they may differ from those provided here in this Internet Privacy Disclosure.
Social Media
Springs Valley Bank & Trust Company provides users access to its social media properties as an opportunity to learn more and discuss ideas on products, services, and initiatives with others who share your interest in Springs Valley Bank & Trust.
Springs Valley Bank & Trust’s Social Media sites are public, which means that anyone can see your posts. While we appreciate healthy discussion, we may at any time and at our sole discretion, remove any content or commentary which we may find to be:
- Abusive, obscene, or offensive
- Off topic, disruptive, or objectionable
- Fraudulent or misleading
- In violation of anyone’s privacy or property
- In violation of Facebook, X (formerly known as Twitter), Instagram, YouTube and LinkedIn’s terms and conditions or any other law/regulation
- Spam, advertising or solicitations
We take the protection of the personal information of our customers very seriously. Please do not share personal or financial information on any of these forums. To ensure that your information is kept private, Springs Valley may delete any information we deem sensitive and we will not include sensitive information in a reply to you.
We may occasionally post links to third-party sites when we think you’ll find the information helpful. We will also share content to our social media sites from other social media sites and in which we may or may not have a business relationship. However, please note this does not in any way constitute an official endorsement of the individual, site, or company.
All content on Springs Valley’s Social Media sites will be monitored. You are responsible for any and all postings under your username. The Springs Valley Bank & Trust sites will be monitored between the hours of 8:00 a.m. and 4:30 p.m. Eastern time Monday through Friday, with the exception of the following holidays:
- New Year’s Day
- Martin Luther King, Jr. Day
- Presidents’ Day
- Memorial Day
- Juneteenth Day
- Independence Day
- Labor Day
- Columbus Day
- Veterans Day
- Thanksgiving Day
- Christmas Day
If you are a customer of Springs Valley Bank & Trust with a question regarding your account or if you need immediate attention, you can visit one of our banking centers or contact our customer service team at 1.800.843.4947 for information related to your account.
By using or accessing this page, you also agree to comply with Facebook, X (formerly known as Twitter), Instagram, YouTube, and LinkedIn’s Terms and Conditions. In accordance with these terms, the Springs Valley Social Media sites are primarily intended for those over the age of 13. Children under the age of 13 should not provide any information to Springs Valley without written authorization from their parents or legal guardian.
Because we are committed to allowing and showing all comments that adhere to the above guidelines, it is important to note that all posts on the Springs Valley Bank & Trust Social Media sites do not necessarily reflect the opinions of Springs Valley Bank & Trust, our directors, officers, or employees, nor do we confirm their accuracy.
Springs Valley Bank & Trust respects the privacy of our customers and is committed to protecting your confidential information. Springs Valley Bank & Trust takes your financial security seriously. There are inherent risks in the use of social media that can lead to fraud, identity theft, and other crimes that can expose consumers to financial loss because of the interactive nature of the sites. The information on this social media site is presented for informational and entertainment purposes only. Springs Valley Bank & Trust will never ask for online banking user ID(s) or passwords or PIN(s), Social Security Number(s), card or account number(s), or user defined challenge information. For specific information about our products and services, visit www.svbt.bank.
Additional questions that you may have regarding Springs Valley Bank & Trust and its social media policy for users may be directed to the Springs Valley Bank & Trust Marketing:
- eMail: marketing@svbt.bank
- Call: 1.800.843.4947
- Direct Mail or Stop By: 1500 Main Street, PO Box 830 Jasper, IN 47547-0830.
Springs Valley Bank & Trust Company. Member FDIC. Equal Housing Lender.