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Peoples Bank Privacy Policy

At Peoples Bank, the basis of each customer relationship is trust. You have chosen to do business with us, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the Privacy Policy outlined below.

Peoples Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed this Privacy Policy, which is made readily available to our customers. We will continue to maintain our dedication to protecting your privacy and will provide notice of our privacy policy annually to you. Customers who have questions about this Consumer Privacy Policy or have a question about the privacy of their customer information should call Peoples Bank at 828-464-5620, 800-948-7195, or e-mail us at .

FACTS

WHAT DOES PEOPLES BANK DO
WITH YOUR PERSONAL INFORMATION?
   Rev 05/2011

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
  • and payment history account balances
  • credit history and transaction history

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

 

Reasons we can share your personal information

Does Peoples 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 Yes
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 No We don’t share

 

To limit our sharing

  • Call 800-948-7195 —our menu will prompt you through your choice(s)
  • Mail the form below

Please note:
If you are a new customer, we can begin sharing your information 7 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 our sharing.

Questions?

Call 800-948-7195 or go to

 


Mail-in Form

If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below:

__ Apply my choices only to me

Mark any/all you want to limit:

__ Do not share information about my creditworthiness with your affiliates or for their everyday business purpose.

__ Do not allow your affiliates to use my personal information to market to me.

__ Do not share my personal information with nonaffiliates to market their products and services to me.

Name 
Address  
   
City, State, Zip  
Mail To: Peoples Bank Attn: Compliance Department
P. O. Box 467
Newton, NC 28658

 

Who we are

Who is providing this notice? Peoples Bank

What we do

How does Peoples 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.
How does Peoples Bank collect my personal information? We collect your personal information, for example, when you
  • open an account or provide account information
  • apply for a loan or deposit money
  • use your debit card
We also collect your personal information from others, such as credit bureaus 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 unless you tell us otherwise.

 

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies
  • Peoples Investment Services, Inc.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies
  • Nonaffiliates we share with can include governmental entities, credit bureaus, companies that perform marketing services on our behalf, and companies that assist in servicing your accounts with us.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Joint marketing partners may include financial product or service marketing companies.

 

Links to Third Party Sites

This Site contains links to other Internet Web sites that are not maintained by Peoples Bank. Unless otherwise stated, Peoples Bank makes no warranties or representations regarding these websites or the products or services offered on them. Peoples Bank does not control the privacy or security practices of third parties, or the locations where they process data. You should read the privacy and security policies of the other sites, as their practices may differ from ours.

Peoples Bank Online Social Media Community Guidelines

We welcome your participation as a means of sharing your own experiences, suggesting improvements, and chiming in on the conversation. To keep our community focused, we have set some guidelines:

  1. Our Online Social Media Community is moderated and all comments are reviewed by us.

  2. To ensure exchanges are productive, informative, respectful of diverse viewpoints and lawful, we will review all comments and we will either delete or not post comments that are or include:
    • Off Topic. We will exclude comments not related to the subject of the conversation. If you have an idea for a subject, would like to provide feedback, or would like follow-up, please email us at .

    • Spam. Comments focused on selling a product or service, or comments posted for a purpose of driving traffic to a particular website for personal, political, or monetary gain, will be excluded.

    • Personal Attacks. If you disagree with the content, we'd like to hear from you, but ask that you refrain from personal attacks or being disrespectful of others. Malicious intent and or participation not in the spirit of civil conversation will be excluded.

    • Illegal. Laws that govern use of copyrights, trade secrets, etc., will be followed.

    • Offensive Language. Comments including but not limited to, profane or provocative language will be excluded (which means that hateful, racially or ethnically offensive or derogatory content, threats, obscene or sexually explicit language will not be tolerated).

    • Private or Confidential Information. Please do not provide any of your specific account details or other personal information. If you have immediate service needs, please contact your bank representative or Customer Service.

  3. Please note that we cannot accept comments from individuals under the age of 18.

  4. Comments in HTML format (or URLs) will not be accepted. Please only enter plain text.

  5. Peoples Bank reserves the right to change these guidelines at any time at its sole discretion. The most current guidelines will be available to you online.

  6. Peoples Bank does not endorse any comments made by its employees, unless they are an authorized representative of our bank. Peoples Bank is not responsible for nor validates assertions or forward-looking statements in the comments. All statements and viewpoints expressed in the comments are strictly those of the commenter alone, and do not constitute an official position of Peoples Bank unless they are posted by the original author (who is an authorized representative of the bank) or by a subject matter expert responding on behalf of that authorized representative.

  7. If you believe in good faith that materials available on a Peoples Bank site infringe your copyright, you (or your agent) may send Peoples Bank a notice requesting us to remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the Digital Millennium Copyright Act permits you to send Peoples Bank a counter-notice.

Terms of Use

THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE

This website has been established by Peoples Bank for the sole purpose of conveying information about the Peoples Bank products and services and to allow communication between Peoples Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of Peoples Bank agreements and disclosures that govern its products and services. If any information on the site conflicts with that in Peoples Bank agreements and disclosures, the agreements and disclosures will control.

From time to time Peoples Bank may place links to other websites on this page. The Peoples Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by Peoples Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

Peoples Bank makes no warranties of any kind regarding the products and services advertised on this site. Peoples Bank will use reasonable efforts to ensure that all information displayed is accurate; however, Peoples Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. Peoples Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if Peoples Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time. This agreement and the use of this website are governed by the laws of the State of North Carolina.