Flatwater Bank Privacy Policy

FACTS	WHAT DOES FLATWATER BANK DO WITH YOUR PERSONAL INFORMATION? Rev. 04/2024
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 credit scores credit history and account transactions
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 Flatwater Bank chooses to share; and whether you can limit this sharing.

FACTS

WHAT DOES FLATWATER BANK DO WITH YOUR PERSONAL INFORMATION?

Rev. 04/2024

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 credit scores
credit history and account transactions

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 Flatwater Bank chooses to share; and whether you can limit this sharing.

Reason we can share your personal information	Does Flatwater Bank 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	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

To limit sharing, please complete the form below.

Please note: if you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit sharing.

Questions?
Call 308-537-7181, email us at connect@flatwater.bank or, to quickly refer to other disclosures click below:

Flatwater Bank Website Privacy Notice
Flatwater Bank Digital Banking Terms and Conditions

WHO WE ARE:
Who is providing this notice?
Flatwater Bank Gothenburg, Brady, and Ansley Branches

WHAT WE DO:
How does Flatwater Bank 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.

We strongly urge you not to e-mail confidential information to us other than through the bank’s secure website.

How does Flatwater Bank 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
provide account information

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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

DEFINITIONS:
Affiliates:

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Investment Service Center

Nonaffiliates:

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Insurance Companies

Joint marketing:

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Internet banking products and services
Mobile banking products and services