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Capital City Bank Privacy Notice
Our Commitment.
At Capital City Bank, the basis of each customer relationship is trust.
You have chosen to do business with Capital City Bank, and we are
committed to honor that relationship with great care, beginning with
the information you have chosen to share with us. We respect the
privacy of our customers and are committed to treating customer
information responsibly. We want you to understand what information we
collect and how we use it. The following serves as a standard for all
Capital City Bank associates for collection, use, retention, and
security of nonpublic individual customer information.
Security Procedures.
At Capital City Bank, we believe the confidentiality and protection of
customer information is one of our most important responsibilities. We
value your trust and handle information about you with care. We limit
access to your nonpublic personal information to those associates with
a business reason to know that information. Our associates are bound by
a code of ethics requiring confidential treatment of customer
information and are subject to disciplinary action if they fail to
follow this code.
We safeguard your information by maintaining
physical, electronic and procedural safeguards that comply with federal
standards. We continually assess new technology for protecting
information. Our associates are trained to understand and comply with
these information principles.
Information We Collect. We
collect and retain information about you only when we reasonably
believe that the information will assist us in managing your accounts
and services, and in providing products, services and other
opportunities to you. One of the main reasons we collect information is
to protect your account and to identify you when we conduct
transactions with you.
We collect nonpublic personal information about you from the following sources:
· Information you provide to us on applications
or other loan and account forms, such as your name, address, social
security number, assets, and income.
· Information about your transactions and account
experience with us, such as your account balance, payment history, and
parties to transactions or information about our communication with
you, such as a request for a copy of a check and our response.
· Information from a consumer report, such as information regarding your creditworthiness or credit history.
· Information from other outside sources
regarding their employment, credit or other relationship with you or
verifying representations made by you, such as your employment history,
loan or credit balances, or your property insurance coverage.
Information We Disclose.
We do not disclose any nonpublic personal information about our
customers or former customers to any affiliates or to any third
parties, except as necessary to provide Capital City Bank services or
as permitted by law. We do not sell or share customer information to
unrelated third parties for the third parties to use for their own
purposes. We do share information with companies that work for us.
These companies may include financial service providers such as
insurance companies and payment processing companies, and nonfinancial
companies that print checks for us, mail customer statements or letters
or provide data processing services. In addition, we may share customer
information with companies that perform marketing services on our
behalf or to other financial institutions with which we have joint
marketing agreements. Those third parties contractually agree not to
use the information for any other purpose. We are permitted under law
to disclose nonpublic personal information about you to our affiliates
and third parties in certain circumstances. For example, we may provide
information:
· When you authorize us to release information.
· To consumer reporting agencies as permitted under the Fair Credit
Reporting Act.
· To other parties when it is necessary or helpful in completing a transaction you initiate, including other
financial institutions and networks involved in processing your transactions.
· To comply with a law, regulation, court order or subpoena.
· In response to an inquiry about whether a check you have written will
clear.
· To local, state and federal authorities if we believe a crime may have been committed involving your account.
· To our independent auditors, consultants or attorneys and to agencies
that regulate us.
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.
If you decide to close your account(s) or become
an inactive customer, we will continue to adhere to the privacy policy
and practices described in this notice.
The policies described in this disclosure are
subject to change, but we will communicate any significant changes to
you as required by applicable law. The policies described in this
disclosure replace all previous notices or statements regarding this
subject.
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