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Nexity
Bank's Privacy Commitment
Nexity
Bank is committed to respecting the individual privacy of consumers. We value
the trust you have placed in us to maintain the security and confidentiality of
your financial information. Nexity Bank promises to use the information about
you in a responsible manner and we believe it is important for you to be informed
about our efforts to safeguard your privacy. Nexity Bank has adopted the following
privacy policy to demonstrate this commitment. Privacy
Policy
At
Nexity Bank, we have no higher priority than the security and privacy of your
financial information. This information is essential for us to provide you with
the superior customer service that you deserve and we consider it a valuable asset
that requires our protection. We only grant access to nonpublic personal information
about you to employees, affiliates and service providers in order for them to
provide or offer financial products and services. We do not sell your information
to outside marketers.
In
addition, we maintain physical, electronic and procedural safeguards
that comply
with federal standards to protect your personal information. Nexity Bank
continually monitors and reviews all of its security protection measures
and as improved practices
or new technology becomes available, we will adopt those that we believe
may enhance the security of your confidential financial information.
In
the following sections you will find our policies regarding the collection, use
and disclosure of customer information. These policies describe the types
of information
that are collected, and how and why that information may be shared with others.
Information
Collection
The
main reason that we collect and retain information about you is to provide the
products and services that you request. This nonpublic personal information may
be collected from a variety of sources such as the following:
Information
that you provided to us on applications or other Nexity Bank forms such as income,
social security number, e-mail address, assets or debt information;
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Information
about your transaction history with us or our affiliates such as account
balances,
account activity and usage, and payment history;
Information
that we receive from a credit bureau that includes credit history and employment
verification. Information
Use and Sharing
We
use and may share nonpublic personal information that we collect about you to
accomplish the following:
To
provide you with a product or service that you have requested;
To
protect you by identifying you and preventing unauthorized persons from accessing
your information or accounts;
To
provide you with a superior customer service experience;
To
offer you additional financial products or services, from us, our affiliates or
other financial services providers, that may be of interest to you;
To
comply with reporting and other legal requirements. Information
Sharing with Third Parties Permitted by Law
We
are permitted under the privacy law to share information we collect with
certain
third parties that are necessary to provide a requested product or service (under
"Servicing Arrangements") or when we have an agreement with a provider
of specialized financial services to jointly offer products that enhance
our ability
to serve your needs (under "Marketing Agreements"). For example,
we offer check printing and bill payment under Servicing Arrangements.
We currently
offer annuities under Marketing Agreement. We anticipate offering additional
services and other financial products under Marketing Agreements. The
companies that we engage for these services are reputable and are under
contract
with us to maintain your privacy and the confidentiality of your nonpublic
personal
information. Third parties may also include credit-reporting agencies to whom
we report information about your transactions with us and as permitted
by law
to third parties in response to subpoena, court order or other appropriately
documented authority. You can authorize us to release your information
to third parties on
your behalf.
www.NexityBank.com
Online
Privacy
When
you visit our website to view any page or read product information, you do so
without telling us who you are and without revealing any personal information. The
only information that we normally collect and store is:
The
name of your Internet Service Provider,
The
website that referred you to us (if any),
- The
type of browser used,
-
The
page or pages you requested.
We do
not place “cookies” on your computer when navigating our website.
Nexity’s use of cookies is limited to a feature called “session” cookies
that are created when you log in to review your secured account information.
This session cookie is destroyed when you exit your online account access.
Nexity Bank does not collect any personal information using cookies.
There
are instances where you may elect to provide us with personal information. If
you fill out one of our contact forms or quick applications or if you send us
an e-mail, you are transmitting the information that appears to you in the form
or message. This will typically include information like your name, mailing address,
e-mail address, the kind of request you are making and any other information necessary
to fulfill your request. You do not transfer personally identifying information
that you do not enter yourself. This information is used internally only for the
purpose of fulfilling your request or for contacting you directly and is not sold
to any other organization.
When
you input nonpublic personal information via one of our Quick Applications or
Applications, that information is encrypted or scrambled by your browser before
it is transmitted back to our website. This effectively prevents anyone from intercepting
and reading any personal information about you. Encryption is in place when you
use your web browser with one of our website application forms and while accessing
your account
information. Please do not send any nonpublic personal information
to us in an e-mail. Encryption does not take place if you send us e-mail, which
is not a secure form of communication with us. Information
Integrity
Nexity
Bank works hard to ensure that our customer's information is complete and accurate.
Your role in this process is to conduct a timely review of all statements, bills
and notices that we provide you and to notify us of any discrepancy. Nexity Bank
occasionally may contact you about our product and service offerings by telephone
or e-mail. When we contact you, we do not request any personal information (such
as your PIN or password) and limit our inquiries only to the information necessary
to identify you as our customer. You may contact us at 1-877-738-6391 if you have
any concerns about the accuracy of your information, our solicitation of your
business or this privacy policy.
Nexity
Bank
3500 Blue Lake Drive, Suite 330
Birmingham, AL 35243
1-877-738-6391
www.NexityBank.com
Thank
you for the trust you have placed in us. We value your business and we will continue
to be committed to your privacy.
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As
used in this Privacy Policy, "we", "us", "our" or "ours" refers
to Nexity Bank and our affiliates. Current affiliates include Nexity
Financial Services, Inc. "You", "yours" refers
to each individual who is one of our customers or former customers
who obtained or requested
a financial product or service from us. This Privacy Policy applies to consumers
who are Nexity Bank customers or former customers in the United States.
P02-052005
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