Privacy Notice and Disclosure
Our Commitment. Protecting your financial privacy is of utmost
importance to Yellowstone Bank. For many years now, we have maintained standards
and procedures designed to prevent misuse of your financial information. We
promise to maintain the confidentiality of your information as described in this
Privacy Policy. Yellowstone Bank has adopted this Privacy Policy so that you
will understand what information we collect and how we use it.
Nonpublic Personal Information We Collect.
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications or other forms
Information about your transactions with us, our affiliates or others
Information we receive from a consumer reporting agency
Nonpublic personal information is nonpublic information
about you that we may obtain in connection with providing a financial product or
service to you. This could include information such as account balances, payment
history or overdraft history.
We collect and retain certain information about you for the following reasons:
To protect your account and to identify you when we conduct transactions with you;
When the information will help us in administering your accounts and services;
To provide you with products and services that will best assist you or to help us understand your financial needs as we design or improve our products and services; and
To comply with certain laws and regulations that apply to us.
Information We Disclose.
We may disclose nonpublic personal information about you to nonaffiliated third
parties as permitted by law.
Affiliates.
We are permitted under law to share information about our experiences or
transactions with you or your account with our affiliates. We do not share
information about you or your accounts that we receive from consumer reporting
agencies.
Third Parties.
Many times it is necessary to utilize other companies that provide services
necessary to your banking relationship with Yellowstone Bank. We are permitted
under law to disclose nonpublic personal information about you to "nonaffiliated
third parties," that is, third parties that are not members of our corporate
family, in certain circumstances. These companies act on our behalf when they
provide services and are not authorized to use the information for any other
purposes. For example, we may disclose nonpublic personal information about you
to third parties that print your checks, provide credit insurance products or
provide technical assistance with our software programs. We may provide your
name and address to companies that mail information to you about our own
products and services. We do not share medical information that we may obtain in
insurance applications or claims to anyone, except for the purposes you have
authorized. We do not sell or share customer information to unrelated third
parties to use for their own purposes.
We may disclose the following information to companies that perform services on
our behalf or to other financial institutions with which we have a joint
marketing agreement. We maintain contractual confidentiality agreements with
these third party service providers assuring that our customer information may
not be shared with any other party or used for any other purposes than those
contracted with us.
Information we receive from you on an application or other forms, such as your name, address, social security number, assets and income;
Information about your transactions with us, our affiliates, or others, such as your account balance, overdraft history, payment history, parties to transactions and credit card usage;
Information we receive from a consumer reporting agency, such as your creditworthiness and credit history or your handling of a checking account.
We may also provide information:
When you authorize us to release information;
To consumer reporting agencies;
To comply with a law, regulation, court order or subpoena;
To verify the existence of your account and general information about the condition of your account for a merchant or other financial institution;
In response to an inquiry about whether a check you have written on an account will clear;
To local, state and federal authorities if we believe a crime may have been committed involving your account;
To our independent auditors, consultants or attorneys and to agencies that regulate us.
To other parties when it is necessary or helpful in completing a transaction you initiate, including other financial institutions and networks involved in processing your transactions;
Our Security Procedures.
We also take steps to safeguard customer information. We restrict access to your
personal and account information to those employees who need to know that
information to provide products or services to you. We train our employees about
the importance of maintaining the confidentiality of customer information. We
maintain physical, electronic and procedural safeguards that comply with federal
standards to guard your nonpublic personal information.
Maintaining Accurate Information.
We continually strive to maintain complete and accurate information about you
and your accounts. If you ever believe that our records contain inaccurate or
incomplete information about you, please let us know immediately. If we report
any inaccurate information about your account(s) to a consumer reporting
agency, please send a written notice describing the specific inaccuracy(ies) to
us at: Yellowstone Bank, 2000 Overland Ave., Billings, MT 59102. We'll correct
any inaccuracies as quickly as possible.
Policy Changes.
We reserve the right to change this policy from time to time, but we will not do
so without first notifying you of any change.
We value your business and look forward to providing you with banking services
for many years to come. If you ever have questions or concerns about the
integrity of your account information, please do not hesitate to call or visit
your local Yellowstone Bank branch.
If you have any other questions about our Online Privacy Statement, please Contact Us.