WHAT DOES calhoun Banks DO WITH YOUR PERONAL INFORMATION?
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.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
nSocial Security number and Account Balances nCredit History and Credit Scores nIncome and Payment History
When you are no longer our customer, we continue to share your information as described in this notice.
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 Calhoun Banks chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Calhoun Banks 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
For our marketing purposes— to offer our products and services to you
For joint marketing with other financial companies
We don’t share
For our affiliates’ everyday business purposes— information about your transactions and experiences
We don’t share
For our affiliates’ everyday business purposes— information about your creditworthiness
We don’t share
For our affiliates to market to you
We don’t share
For nonaffiliates to market to you
We don’t share
Call 304-354-6116or go to www.calhounbanks.com
What we do
How does Calhoun Banks
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 Calhoun Banks
collect my personal information?
We collect your personal information, for example, when you nOpen an Account or deposit money nApply for a loan or use your credit or debit card
nMake a wire transfer
We also collect your personal information fromothers, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
nsharing for affiliates’ everyday business purposes—information about your creditworthiness
naffiliates from using your information to market to you
nsharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial and nonfinancial companies. nCalhoun County Bank Inc. has no affiliates.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
nCalhoun County Bank Inc. does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. n Our joint marketing partners include a financial service company.
Other important information
Calhoun Banks view the responsible treatment of confidential customer information as a top priority throughtout our company.
As a visitor to our site you can learn about Calhoun Banks – our products and services: branch and ATM locations; and other website links in our community. Calhoun Banks provides this service to you subject to the following terms and conditions, which may be updated at any time without notice to you.When you access your accounts by using any of our Internet banking services, including Calhoun Banks Online Banking, and Calhoun Banks Bill Pay, you agree by the terms and conditions of this agreement as well as the particular product terms, conditions, agreements, fee schedules, and disclosures.
Visitors to the Calhoun Banks web site remain anonymous.Calhoun Banks does not collect personal identifying information about visitors to our website, except when specifically and knowingly provided by such visitors
Use of Electronic Mail: If you choose to provide us with personal information, such as name and address, via email, this information will only be used internally, for the specific purpose of responding to your comments or questions. Your email address will not be sold, nor will it be shared with others outside of the bank unless compelled to do so by law. Email has become the preferred method for individual and corporate communication.However email is not a private conversation; unencrypted email messages can be intercepted and read, or may not be received by the designated person or department in a timely manner. Therefore please do not use regular email to send us confidential or privileged information, such as account numbers or financial information, or any information that may need our immediate attention.If you choose to do so we will not be liable for any losses or damages incurred as a result of any information transmitted by you in this manner.Please be aware that when you receive a message acknowledging your email has been sent, it means that your email has been routed into the internet and not that the message has been received by us.
We suggest you do not send any confidential financial information about yourself to us by regular email.For such purposes, you should contact us by phone at (304) 354-6106 or write to us at Calhoun Banks P.O. Box 430 Grantsville, WV 26147.
Calhoun Banks will not ask you to send personal or private information, including account information, by email. Calhoun Banks Internet Banking customers have the option of sending secure, encrypted emails through the Secure Forms section of Internet Banking.
Internet Banking: Calhoun Banks will act upon instructions received with respect to any Internet Banking service under your user ID and password.Calhoun Banks accepts no responsibility for unauthorized use of your user ID and/or password, and accepts no obligation to confirm the identity of any user of internet banking.You will be responsible for, and bound by, all transactions conducted by using your user ID and password to access Internet Banking, whether those transactions were done by you, by another person with your consent, or by another person without your consent.You agree to notify Calhoun Banks immediately at 304-354-6106 if you become aware of any breach of security or any unauthorized access to your account.
If you wish to access your personal information by use of our Internet Banking product, this portion of our website is secured.When you log into Calhoun Banks Internet Banking, your login information is protected using 128 bit SSL encryption.Please choose the Help link in Internet Banking for additional security details.
Calhoun Banks uses “cookies” in the Internet Banking application.A cookie is a small text file or text identifier placed on the end user’s computer.Cookies are commonly used on websites and do not harm the end user’s computer.One function performed by the cookies is to keep the account holder’s Internet Banking session alive until:
They log out of Internet Banking.
Their Internet Banking Session automatically times out due to inactivity
They close the browser(s)
All private data stored in the cookies are encrypted and for internal use only.All cookies are temporary, which means that they are active only as long as a browser is running and are deleted when the session has ended.Cookies must be enabled on the end user’s browser to enable proper functionality.
Calhoun banks will make all reasonable efforts to provide uninterrupted Internet Banking access, but cannot guarantee such access.Some or all of the services may not be available at certain times due to maintenance and/or computer, telecommunication, electrical or network failure or any other reasons beyond our control.Calhoun Banks shall not be liable to you if you are unable to gain access to Internet Banking.
Children’s Online Privacy Protection Act: We are in compliance with the requirements of COPPA (Children's Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.
This website may provide you with links to other websites for your convenience in locating related information and services.Calhoun Banks does not maintain control over all of these websites, the organizations that maintain these websites, or the information, products or services these organizations provide.Although we believe that the information from these organizations is reliable, we cannot guarantee their accuracy or completeness.
Accordingly, Calhoun Banks expressly disclaim any responsibility for the privacy practices or the content of these websites, the accuracy of the information on these websites, or the quality of products or services provided by the organizations that maintain them.Use of links to any non-Calhoun Banks site is solely at the user’s own risk.Calhoun Banks does not recommend or endorse these organizations or their products or services in any way.
NOTICE: E-mail links on this website are not secure or encrypted. DO NOT send account information such as account numbers, amounts, personal information or PIN numbers. Calhoun Banks will never request a customer to send account information via e-mail. If you receive a request of this nature, please contact the bank immediately.