Notice Of Your Financial Privacy Rights

Rev 02/2017
FACTS WHAT DOES WEST TEXAS STATE BANK DO WITH YOUR PERSONAL 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:
  • Social Security number and income
  • account balances and payment history
  • credit history and credit scores
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 West Texas State Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does West Texas State 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 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 (432) 337-2851 or go to
www.wtstatebk.com

 

Who we are
Who is providing this notice? West Texas State Bank
What we do
How does West Texas State 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.

 

Encryption, Firewalls, & Regular Network Monitoring

How does West Texas State Bank collect my personal information? We collect your personal information, for example, when you

 

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your debit card

We also collect your personal information from others, such as credit bureaus.

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.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • PcrossBAR Investors, LLC
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Other important information
West Texas State Bank does NOT disclose or any way share information about you or anyone on your account, except as permitted by law.

 

Texas Notice: This institution is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against this institution should contact the Texas Department of Banking through one of the means indicated below:

  • In person or U.S. Mail:
2601 North Lamar Boulevard,
Suite 300, Austin, Texas 78705-4294
  • Telephone No.:
877-276-5554
 
  • Fax No.:
512-475-1313
 
  • Email:
consumer.complaints@dob.texas.gov
 
  • Website:
www.dob.texas.gov
 

 

 

 

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