FACTS	WHAT DOES calhoun County Bank Inc.  DO WITH YOUR PERONAL INFORMATION?
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:  n        Social Security number and Account Balances n        Credit History and Credit Scores n        Income and Payment History When you are no longer our customer, we continue to share your information as described in this notice.
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 Calhoun County Bank Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information		Does Calhoun County Bank Inc. 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		No	We don’t share
For our affiliates’ everyday business purposes— information about your transactions and experiences		No	We don’t share
For our affiliates’ everyday business purposes— information about your creditworthiness		No	We don’t share
For our affiliates to market to you		No	We don’t share
For nonaffiliates to market to you		No	We don’t share
Questions?	Call 304-354-6116 or go to www.calhounbanks.com

 

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What we do
How does Calhoun County Bank Inc. 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 County Bank Inc. collect my personal information?		We collect your personal information, for example, when you  n   Open an Account or deposit money n   Apply for a loan or use your credit or debit card  n   Make 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 n  sharing for affiliates’ everyday business purposes—information about your creditworthiness n  affiliates from using your information to market to you n  sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates			Companies related by common ownership or control. They can be financial and nonfinancial companies.   n Calhoun County Bank Inc. has no affiliates.
Nonaffiliates			Companies not related by common ownership or control. They can be financial and nonfinancial companies.   n  Calhoun County Bank Inc. does not share with nonaffiliates so they can market to you.
Joint marketing			A formal agreement between nonaffiliated financial companies that together market financial products or services to you.  n  Calhoun County Bank Inc. doesn’t jointly market.
Other important information

Website Policy

Calhoun Banks view the responsible treatment of confidential customer information as a top priority throughout 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.  If you choose to provide us with personal information, such as name and address, via e-mail, this information will only be used internally, for the specific purpose of responding to your comments or questions.  Your e-mail address will not be sold, nor will it be shared with others outside of the bank unless compelled to do so by law.  We suggest you do not send any confidential financial information about yourself to us by e-mail.  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.

If you wish to access your personal information by use of our internet banking product, this portion of our website is secured.  Please choose the security link on our log in page for security details.

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.

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.