Because Your Trust Is So Important
Your trust is the cornerstone of our relationship. That is why we work diligently to safeguard your privacy. The information that you provide us is kept in the strictest of confidence. We have no intentions of selling personal information about our customers to third-party businesses. We are proud to make that commitment to you, because your trust is the foundation of our business. The following privacy policy explains how we use and protect the information about our customers. We ask that you read it carefully.
Notice of Your Financial Privacy Rights
This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:
All of our consumer customers who have a continuing relationship with us, such as:
- Deposit Account
- Loan Account
We first define some terms:
- We, Our, and Us means Blue Ridge Savings Bank, Inc.
- Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
- An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
- A nonaffiliated third party is a company that is not an affiliate of ours.
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us
- Information about your transactions with nonaffiliated third parties
- Information from a consumer reporting agency
The Confidentiality, Security, and Integrity of Your Nonpublic Personal Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Nonpublic Personal Information and Nonaffiliated Third Parties
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.
Nonpublic Personal Information and Former Customers
We do not disclose nonpublic personal information about former customers, except as permitted by law.
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements:
- Information we receive 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 others, such as your account balance, payment history, parties to the transactions, and credit card usage; and
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
