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Privacy Policy

What Does Commercial Trust Company Do With Your Personal Information?

Rev. Date 9/14

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
  • Account balances and payment history
  • Credit history and credit scores
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 Commercial Trust Company chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Commercial Trust Company 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		 No We Do Not Share
For joint marketing with other financial companies No We Do Not Share
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No We Do Not Share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We Do Not Share
For our affiliates to market to you No We Do Not Share
What We Do
How does Commercial Trust Company protect my 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.
How does Commercial Trust Company collect my information? We collect your personal information, for example, when you
  • Open an account
  • Apply for a loan or apply for a loan
  • Use your credit or debit card
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 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 non-financial companies.
  • Commercial Trust Company does not share with affiliates.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Commercial Trust Company does not share with non-affiliates.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Commercial Trust Company does not jointly market.
Other Important Information
From time to time, we may change the policies and procedures provided in the Privacy Statement, due to changes in the law, or changes in our operations, and we will notify you of these changes as required by law.