Kenney Bank and Trust: Consumer Customers
Effective April, 2006 until further revised.
Privacy Statement
This website is not directed at children.
At Kenney Bank and Trust, our customers are very important to us. On a daily basis, we strive to protect our customer’s privacy while satisfying their banking needs. As one of our valued customers, you have entrusted us with some of your sensitive financial information and we are committed to treating such information responsibly.
This Privacy Statement is a notice to you that explains how we will safeguard your non-public personal information that we receive (“Information”). This Information may include your personally identifiable financial information and any other information about you that we may obtain as described in this notice. If you would ever cease being a customer of ours, the privacy practices in this Privacy Statement will remain in effect. While we may update or revise the information contained in our Privacy Statement from time to time, rest assured that we will communicate the important changes to you.
We recognize and value the trust you have placed in us to safeguard your Information. Please read on to learn more.
Our Affiliates
It is possible that certain Information may be shared with our affiliates. When we refer to our affiliates in this Privacy Statement, we mean iTeam Companies, Inc., America’s Home Loan, Inc., iStream Imaging, Inc., iLease Direct, Inc., and any other companies that later may affiliate with us.
Your Information is Confidential and Secure
We believe the confidentiality and protection of your Information is one of our fundamental responsibilities. Because we want to maintain your trust, the safekeeping of your Information is a priority for us. We restrict access to your Information to our employees who need to know in order to provide products or services to you, and others permitted by law. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your Information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard Customer Information. Some of these safeguards include maintaining anti-virus protection, firewalls, back-up files and other technological means to help guard against unauthorized access or data alteration.
Information That We Collect and Maintain
We collect, retain, and use Information about you only where we reasonably believe that it will help administer our business or to provide products, services, and other opportunities to you. We use such Information (i) to protect and administer your records, accounts, and funds, (ii) to comply with certain laws and regulations, (iii) to help us design or improve our products and services, and (iv) to understand your financial needs so that we can provide you with quality products and superior service. We will tell you why we are collecting and retaining such Information upon your request.
We may collect Information about you from sources that might include the following:
Applications: Information we receive from you on applications or other forms;
Transactions: Information about your transactions with us, our affiliates, or others;
Third Parties: Information we obtain from others, including information regarding your employment, creditors, assets and verification of representations made by you; and
Reporting Agencies: Information we receive from a consumer reporting agency.
Information Sharing is Very Limited
From time to time, we might share a very limited amount of your Information with our affiliates and other nonaffiliated third parties, usually for purposes of providing or making available products and services that you may be interested in. Our practices concerning the limited sharing of your Information with our affiliates and nonaffiliated third parties are further described below. Information that may be shared includes the following:
Information we receive from you on applications or other forms, such as your name, address, social security number and income; Information about your transactions with us, any of our affiliates, or others, such as your account balance, payment history or parties to transactions; and Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
Information shared with affiliates
In order to address your needs and provide better service to you, we may from time to time share some of your Information with certain of our affiliates if there is a reason to do so. Customer Information may be shared with certain of our affiliates (and authorized third parties described in the next section below) for reasons that may include our efforts to protect accounts from identity theft or unauthorized access, to process account and loan applications, for providing information about available financial products or services, or for servicing purposes such as preparing and sending account statements, loan statements and issuing checks. The Fair Credit Reporting Act allows you to opt-out from having personal credit information is shared with our affiliates. However, if you do so, we are still permitted to share other information with our affiliates, including information about your identity and your transactions with our affiliates, as permitted by law.
Information shared with nonaffiliated third parties
You should know that we do not sell or share your Information to nonaffiliated third parties so that they can market and sell to you. However, there are some nonaffiliated third parties with whom we do share Information in order to provide our products and services to you, and this is usually done only if they are contractually obligated to (i) use the Information solely to perform services for us, and (ii) maintain the information strictly confidential. We may share your Information with the following types of nonaffiliated third parties even if you have opted-out, because it is permitted by law:
Third parties that help us provide services that are necessary to effect, administer or enforce any of your authorized or requested transactions; Courts, governmental agencies and law enforcement officers as required by law, subpoena or court order; Credit bureaus and other similar reporting agencies; and Other nonaffiliated third parties as permitted by law.
Telephone Calls and Mailings
To offer you a better variety of services and opportunities that may be of interest to you, we or any of our affiliates may from time to time call you about, or mail to you, materials explaining these services and opportunities. You may elect to opt-out of these calls and mailings, however if you do so, we are still permitted to call and send you mailings in order to provide account and service related information. Any such mailings may include marketing materials.
Your Opt-Out Rights
Except in those situations where the law permits or requires us to share your Information (see “Information Sharing is Very Limited”), you have certain choices as to the sharing of your information. If you prefer that we not share your Information with nonaffiliated third parties in the future (other than as permitted or required by law), you must notify us that you would like to opt-out. You must also notify us if you would like to opt-out of having your personal credit information shared with our affiliates or if you do not want to receive telephone or direct mail marketing. You may exercise or change your opt-out choices at any time and your preferences will apply to all other individual accounts we have on record for you, based on our available information.
Please know that if you have already notified us of your opt-out choices, those choices will remain in effect and you will not need to inform us again unless you would like to change your choices. If you later decide to close your account(s) with us, we will continue to honor your opt-opt choices.
For joint accounts, we will treat an opt-out request from one joint account holder as applying to the other holders on the joint account. The opt-out preferences of a joint account holder will apply to all other individual and joint accounts that we have on record for that account holder, based on our available information.
An opt-out notice can be provided to us by telephone at 217-944-2296 or by e-mail at customerservice@kenneybank.com. We can also be reached by regular mail at Kenney Bank and Trust, Route 54 & Jordan Street, Kenney, IL 61749.
