Highlights of Our Commitment To You
We do not sell customer information to third parties.
We do not share customer information with outside parties who may wish to market their products to you.
We safeguard your customer information carefully.
We are committed to protecting your customer information in every transaction, at every level of our organization.
We are committed to helping you protect your privacy every day.
You have choices about how we share your information within our affiliated companies and
how we contact you for marketing purposes. See inside for information about how to contact
us and record your preferences.
customer information. We believe that protecting your privacy is an integral part of
the customer service we provide to you.
How We Protect and Use Customer Information
- We are committed to protecting the security and integrity of customer
information through procedures and technology designed for this purpose.
We limit employee access to customer information to those
who have a business reason to know. Employees are required
to honor our code of conduct, which includes standards for
protecting customer confidentiality.
We maintain policies and procedures covering the proper
physical security of workplaces and records.
Our physical, electronic, and procedural safeguards meet
or exceed federal standards regarding the protection of
We require contractors and outside companies who work with
us to adhere to strict privacy standards through their
contracts with us.
- We collect and maintain customer information as part of servicing your
account and your customer relationship. In the course of serving you, we
collect information about you from a variety of sources, such as:
Information you provide to us on applications or forms, such
as your income and accounts with others;
Information we receive from an outside company, such as a
credit bureau, regarding your credit history or employment status; or
Information about your transactions or experiences with companies
affiliated with us.
- The customer information we collect is used to service your accounts and
meet your financial needs. Information may be used among our affiliate
companies, as well as with authorized third parties (described in section 4), for a
number of purposes, such as:
To protect your accounts from unauthorized access or identity theft.
To process your requests such as loan applications, purchases, and ATM withdrawls.
To service your accounts by issuing checks, ATM cards, and account statements.
To keep you informed about financial services of interest to you.
- We do not share customer information with outside parties who may wish to
market their products to you. We may disclose the information we collect with
non-affiliated third parties that are acting on our behalf, or as permitted or
required by law, including:
Companies that perform support services for us, such as data processors,
technical systems consultants, or check printers.
Companies that help us market products and services to you, conduct
surveys or provide marketing research.
Government entities, courts or other entities (in response to subpoenas
and other legal processes), or those with whom you have requested us to
Important Notice about Credit Reporting: We may report information
about your account(s) to credit bureaus and/or consumer reporting agencies.
Late payments, missed payments, or other defaults on your account(s) may be
reflected in your credit report and/or consumer report.
- Your choices for information sharing and marketing.
We may disclose all of the information we collect, as described above,
withing out affiliated companies, which include administrative and service
units, consumer bankers, mortgage lenders, consumer lenders, securities
broker-dealers, insurance agencies, and real estate brokerage companies.
By law, informaton that is derived from your transactions and experiences
with us may be shared among our affiliate companies (a) for purposes other
that direct marketing, and (b) unless you instruct us otherwise, for direct
If you choose to limit information sharing, we will not share personal
financial information about you among affiliates (other that information
derived from your transactions and experiences with our affiliate companies)
for any purpose, except as permitted by law. In addition, if you select that
option, we will limit affiliates' use of transaction, experience and other
personal financial information acout you for direct marketing purposes.
However, your choice regarding the use of certain information for marketing
purposes does not apply to any affiliate company that has an existing business
relationship with you or where the use is otherwise permitted by law. To opt
out of information sharing marketing, use one of the methods described below.
Your election will apply until you tell us to change your choice.
- Telephone and mail preferences.
In addition to information sharing preferences, you may request that
we not contact you for marketing purposes by telephone. For consumer
accounts, this election will be effective while you are an active
customer or a minimum of five years. For business accounts, this
election will be effective for five years from the date the election
is received. You may also request that we not contact you for marketing
purposes by mail. For all accounts, this election will be effective
for three years.
You may instruct us not to share certain personal financial
information as described in section 5 by calling 1-866-599-9159.
You may notify us of your preference at any time.
our Do Not Call Policy under the Telephone Consumer Protection Act for
all consumers. We maintain an internal Do Not Call preference list. Do
Not Call requests will be honored within 30 days and will be effective
for at least five years from the date of request. No telemarketing calls
will be made to residential or cellular phone numbers that appear on
our Do Not Call list.
As a customer, please note that if you choose not to receive
solicitations by mail or any other channel, you may continue to receive
marketing information about our products or services in regular account
mailings and statements, when you visit us online or at an ATM. You may
also receive survey calls.
- State Laws, Trust Accounts.
Some state laws may impose additional restrictions on disclosure of information
on customers for certain purposes in those states.
- Nevada Residents – Nevada Statute Section 228.600(3) allows
marketing calls to our existing customers listed on the National Do Not Call
Registry. If you prefer not to receive marketing calls from us, you may be placed
on our Internal Do Not Call list by following the instructions in the
"Your Choices" section 5 above.
You may also contact the Nevada Attorney General's office:
Bureau of Consumer Protection Office of the Nevada Attorney General
555 E. Washington Street, Suite 3900
Las Vegas, NV 89101
Phone: (702) 486-3132
- Vermont Residents – In accordance with Vermont law,
we will not share personal financial information about you, other than
transaction and experience information, with other affiliated companies
for any purpose, nor will we share any personal financial information about
you with other affiliated companies for marketing purposes.
- Trust accounts, for which we or our affiliates are the
trustee, are protected under special rules of confidentiality, and trust
account information is not shared for marketing purposes without specific
Tips To Help You Protect Your Personal Information
Carry only necessary information with you. Leave your Social Security
card and unused credits cards at home in a safe location.
Make photocopies of vital information you carry regularly and store
them in a secure place, such as a safe deposit box.
Do not provide your Social Security Number unless absolutely necessary.
Shred documents containing personal or financial information before
discarding. Fraud and identity theft often occurs as a result of mail
and garbage theft.
Place outgoing mail in a U.S. Postal Service mailbox to reduce the
chance of mail theft.
Promptly retrieve incoming mail to reduce the opportunity for theft.
Monitor your credit report for accuracy. By law, you are entitled to
receive one free credit file disclosure every 12 months from each of the
nationwide consumer credit reporting companies. To learn more or request
a copy of your credit report, visit annualcreditreport.com
or call 1-877-322-8228.
Assistance to Victims of Identity Theft
You should also report the crime to your local law enforcement agency and
to the Federal Trade Commission (FTC). To speak with a trained FTC telephone
counselor, call toll-free at 1-877-IDTHEFT (1-877-438-4338).
To enter information about your complaint into a secure FTC online database,
sign onto www.ftc.gov/idtheft. The site also provides links to numerous consumer
Unsolicited Credit Offers
If you want to reduce the number of credit offers you receive, contact the
National Consumer Credit Reporting Agencies at 1-888-567-8688 (1-888-5-OPTOUT)
or visit www.optoutprescreen.com for details.
Financial institutions and other companies provide information to the Credit
Bureaus for credit verification, fraud control purposes, and prevention of
identity theft. You may direct these agencies not to sell or share this
information about you for marketing purposes.
This document applies to (1) consumers who have, or have had, a customer
relationship or have made an inquiry or application, and (2) individuals
who have provided personal information in connection with business accounts,
loans, and leasing programs or individuals associated with dealers participating
in sales finance programs; and where the consumer relationship, inquiry,
application, or personal information is provided.
The policies and practices described in this disclosure are subject to change,
but we will communicate any significant changes to you as required by law.
The policies and practices described in this disclosure replace all previous
notices or statements regarding this subject.
MKT JV (10-09)
Advance Financial Group a Division of TowneBank Mortgage is a preferred provider of Mortgage services for Rose & Womble
Realty. For a complete list of our products and services please visit
or review our
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