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Online Privacy Policy

Personal information is collected from you at the time an application for a loan or deposit account is submitted to the Institution, at the time transactions are conducted through the online banking service, and at the time information is provided by you via e-mail (including the name, e-mail address, and any other information on the e-mail header). The Institution does not use “cookies” to collect and track information about you. Please refer to Peoples Bank’s Privacy Policy, for additional information about customer information collected and disclosed by the Institution.

Information is collected for the purpose of processing your application, transaction, or request for information. The information will be used for the purpose of meeting your banking needs and requests and providing services to you in the future. The Institution does not sell or share customer information with any nonaffiliated third parties, except certain third-party service providers. These entities will be required to execute a confidentiality agreement with Peoples Bank, which requires adherence to the Bank’s privacy policy and practices. The Bank shares information with companies which are affiliated with this Institution. We share information as permitted by law to provide you with better services and more options.

We collect:

Information received from you on applications or other forms such as: your name, address, social security number, assets and income. Information about your transactions with us, our affiliates, or other, such as: your account balance, payment history, parties to transactions and usage. Information we receive from a consumer-reporting agency, such as: your creditworthiness and credit history. Information or data, whether oral or recorded, in any form or medium, created the consumer.

Confidentiality & Security

We are taking the following steps to ensure the privacy and accuracy of the information collected from or about you: Ensuring your financial privacy is of vital importance to Peoples Bank and its employees. The Bank limits employee access to confidential customer financial information to those with a business reason for knowing such information. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Peoples Bank employees are trained to understand the importance of customer financial privacy and to properly handle confidential information. The Bank endeavors to maintain the most accurate and up-to-date customer records possible. If you find that your account information is not correct, current, or complete, please call or write to us at the telephone number or address on your account statement and appropriate corrections will be made as soon as possible.

Additionally, information you submit via our online banking service is protected by encryption technology that scrambles account information to reduce the possibility of access by unauthorized individuals outside the bank. To further protect your online banking service, the Bank requires the use of an ID, password, and one time passcodes.

You may review the information we collect about you and correct any errors in that information by reviewing account statements and any other correspondence from us and notifying us of any inaccurate or outdated information at the address or phone number on your statements. This information can be collected on the Bank’s Online Banking service or Ipay (bill pay) service.

If you have questions about your personal information or would like to inform us about the potential misuse of your personal information, you may do so by sending a letter to Peoples Bank, P. O. Box H, Cuba, MO 65453, calling us at 877-885-2511.

Disclosures to Affiliates or Nonaffiliated Third Parties

Peoples Bank has never disclosed and does not intend to disclose, nonpublic personal information about our customers or former customers to affiliates or nonaffiliated third parties, except as permitted by law.

Exceptions permitted by law are:   In connection with the administration, processing, servicing of a consumer’s account, With the consent or at the direction of the customer, To protect the confidentiality or security or the institution’s records, To transactions, claims or other liability or Made to law enforcement agencies to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978.

E-mail – E-mail is not secure in its transmission and may be intercepted and viewed by others. Please do not send any personal or private information by e-mail to us. We may retain information received through e-mail.

Do not respond to internet/e-mail or telephone requests for information. Remember that we at Peoples Bank have your information so we would not initiate a request for your personal or confidential information to “Validate” your accounts. There are many scams circulating and if there is any question, call us before providing ANY information. Keeping your personal information safe is a priority at Peoples Bank. We use the latest technology to ensure the safety of the information.