Privacy Policy                                                                               Rev April 2013

FACTS WHAT DOES BANK OF WIGGINS 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 Account balances
  • Payment history and Transaction history
  • Loss history and Credit 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 Bank of Wiggins chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Bank of Wiggins 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 nonaffiliates to market to you No We Don't Share
  Questions?   Call 601-928-5223

 

Who we are
Who is providing this notice? Bank of Wiggins
What we do
How does Bank of Wiggins 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 Bank of Wiggins collect my personal information? We collect your personal information, for example, when you
  • Open an account or apply for a loan
  • Apply for financing or Give us your income information
  • Provide employment information

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 non-affiliates to market you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Bank of Wiggins has no affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include Credit Bureaus, Insurance Monioring Companies, Flood Determination Services, and Insurance Companies.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Bank of Wiggins has no joint marketing agreements.