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We,
at Gulf Coast Bank & Trust Co., place a great deal of
importance in the relationships we work so hard to build.
We understand that privacy is important. We are committed
to safeguarding your confidential information with the same
care that we use to protect information obtained from transactions
through any other vehicles of delivery.
As
a general policy Gulf Coast Bank does not automatically
collect customer information from those who visit our web
site. Any information that may be collected is used to assist
us in returning information from customer-initiated inquiries.
Our
web site privacy policy is described below. It has been
approved by our board of directors and is included in the
training of our staff.
Recognition of Expectation of Privacy
Gulf Coast Bank recognizes that our customers have a reasonable
expectation of privacy, and we recognize the importance
of protecting that privacy. We are committed to safeguarding
both the financial records and relationships of both our
customers and our visitors to our web site.
Collection,
Use and Retention of Customer Information
In order to identify and communicate with you through our
web site Gulf Coast Bank may collect, use, and retain information
about you. This information is collected and used to provide
you with products and services that you initiate: to help
us respond to specific questions that you ask: and to provide
you with information that may be of interest to you. We
may also use this information to help us comply with laws
and regulations that apply to us. As a general rule we do
not automatically collect and retain information from visitors
to our web site.
We may collect and retain certain information of a general
type such as:
• The name of the domain used to access the internet.
• The Link (Internet Address) used to gain access
to our site.
• The type of web browser used to explore our site.
• The date and time.
• Visitors may also choose to give us information
(i.e.: when applying for an account).
Maintenance of Accurate Information
Gulf Coast Bank is committed to keeping our customers' account
information accurate, current and complete. Procedures have
been established to help assure that this information is
correct in a manner that is commercially reasonable. Instructions
for contacting the bank if a discrepancy is found are included
on the account statements. We will research and resolve
discrepancies as quickly as possible.
Employee
Access to Information
This privacy policy statement is provided to our employees
during training. Employees are instructed never to divulge
financial information or records of a customer to anyone
outside the bank. Employee access to personally identifiable
information is limited by their need to know to properly
transact bank business. Employees are trained to recognize
the importance of customer confidentiality and that the
bank may take disciplinary measures to enforce those privacy
responsibilities.
Protection
of Information via Established Security Procedures
Security standards and procedures to prevent unauthorized
access to confidential information are in place. Updates
to technology are implemented and tests conducted to improve
the integrity of our systems in protecting information.
Restrictions
on the Disclosure of Account Information
Specific information about customer accounts or reports
or other personally identifiable data is not revealed to
unaffiliated third parties for their independent use except
for the exchange of information with reputable information
reporting agencies to maximize the accuracy and security
of such information or in the performance of bona fide due
diligence, unless:
• the information is provided to help complete a customer
initiated transaction,
• the customer authorizes it,
• disclosure is required by/or allowed by law (e.g.,
subpoena, investigation of fraudulent activity, etc.)
• the customer has been informed about the possibility
of disclosure for marketing or similar purposes through
a prior communication and is given the opportunity to decline
("opt out").
Maintaining Customer Privacy in Business Relations
with Third Parties
When it is necessary to contract with outside third parties
to perform specific services or support bank products the
vendors selected are expected to adhere to the same privacy
standards and applicable laws and regulations as the Bank.
They must be additionally responsible for maintaining customer
confidentiality.
Disclosure
of Privacy Principles to Customers
This policy contains guidelines that have been prepared
so that our customers and visitors to our web site understand
our commitment to personal privacy.
Gulf
Coast Bank & Trust Co. reserves the right to update
or change this policy at any time.
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