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 Account balances
- Payment history and Checking account information
- Credit history and Employment information
- 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 First Peoples Bank of Tennessee chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does First Peoples Bank of Tennessee 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 to 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' everday business purposes - information about your transactions and experiences. | No | We don't share |
| For our affiliates' everday business purposes - information about your creditworthiness. | No | We don't share |
| For our affiliates to market to you | No | We don't share |
| For our nonaffiliates to market to you | No | We don't share |
Questions? Call (865) 475-9052.
What We Do
How does First Peoples Bank of Tennessee 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does First Peoples Bank of Tennessee collect my personal information?
We collect your personal information, for example, when you
- open an account or apply for a loan
- give us your contact information or provide employment information
- show your driver’s license
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.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- First Peoples Bank of Tennessee does not share with our affiliates.
Nonaffiliates
Companies not related by ownership or control. They can be financial and nonfinancial companies.
- First Peoples Bank of Tennessee 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.
- Our joint marketing partners include Insurance Companies.
MISSION STATEMENT ON PRIVACY AND CONFIDENTIALITY
At First Peoples Bank, our mission is to meet the desires of our customers. As financial services professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. 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. Our Customer Information Privacy Principles serve as standards for all First Peoples Bank employees for collection, use, retention, and security of individual customer information.
RECOGNITION OF OUR CUSTOMER’S EXPECTATION OF PRIVACY
At First Peoples Bank, we recognize that you have a right to expect your personal financial information to remain private and secure. We believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. This makes the safekeeping of customer information a priority for First Peoples Bank.
CUSTOMER BENEFITS OF INSTITUTION’S INFORMATION MANAGEMENT PRACTICES
We collect, retain, and use information about our customers only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes – and we will tell you why we are collecting and retaining it upon your request. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service.
MAINTENANCE OF ACCURATE INFORMATION
First Peoples Bank has established procedures to ensure that your financial information is accurate, current, and complete, in accordance with reasonable commercial standards. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.
LIMITATIONS ON EMPLOYEE ACCESS TO INFORMATION
At First Peoples Bank, employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all First Peoples Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.
PROTECTION OF INFORMATION VIA ESTABLISHED SECURITY PROCEDURES
First Peoples Bank safeguards information according to established security standards and procedures, and we continually assess new technology for protecting information. Our employees are trained to understand and comply with these information principles.
RESTRICTIONS ON THE DISCLOSURE OF ACCOUNT INFORMATION
We do not reveal specific information about your accounts or other personally identifiable data to unaffiliated third parties for their independent use unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non-First Peoples Bank companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.
MAINTAINING CUSTOMER PRIVACY IN BUSINESS RELATIONS WITH THIRD PARTIES
At times it is necessary to provide personally identifiable information about our customers to a third party such as the data processing service company or the check order company. When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.
PROVIDING PRIVACY INFORMATION TO CUSTOMERS AND RESPONDING TO INQUIRIES
First 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 these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call (865) 471-3116, or write First Peoples Bank, ATTN: Bookkeeping Department, P.O. Box 590, Jefferson City, TN 37760, or contact them by E-mail through the form below, or contact the Branch Managers at any of our locations.