Customer Privacy Statement:
At Milledgeville State Bank, we put our customers first and take pride in offering our customers financial services that meet their individual needs. We appreciate the trust our customers have in us and place the highest priority on our customer's privacy. Milledgeville State Bank respects you and understands that you expect privacy and security of your personal and financial information, both on the internet and all the other ways we interact with you. Through our Web site, we strive to provide valuable information as to how we may serve you and to offer you another way to communicate with us. Milledgeville State Bank takes seriously our commitment to your privacy on the Internet and in all other aspects of our relationship with you. We will take steps necessary to protect the privacy of the information shared with us.
The Use, collection and retention of your information.
The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purpose - to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services.
We collect, retain and use individual customer information only when we reasonably believe it would be useful, and allowable by law, to administer to our business needs in providing products, services and other opportunities to our customers.
Employing stringent security measures in the collection of your personal information, all online account applications are submitted to the bank's secure administration site through an encrypted direct line to the bank.
Maintenance of Accurate Information
We have procedures to help assure that your financial information is accurate, current, and complete in accordance with commercial standards. We also have procedures to respond to your requests to correct inaccurate information in a timely manner. While some of these procedures are required by federal or state law, we have implemented additional procedures to maintain accurate, current, and complete financial information, including processes to update information and remove old information.
Limiting Employee Access to Information
Employee access to personally identifiable information is limited to those employees with a legitimate business need to know. Our employees are educated about their responsibilities in handling confidential customer information and the importance of customer privacy. In addition, they are held accountable for adhering to strict internal policies and procedures, including a Code of Conduct, as well as applicable laws and regulations. In addition, individual user names and passwords are used by approved bank personnel to access your personal information online, providing audit trails to further safeguard the privacy of your personal information.
Restrictions on the Disclosure of Account Information
We do not reveal customer account or other personally identifiable information to unaffiliated third parties for their independent use, except for the exchange of information with reputable reporting agencies to maximize the accuracy and security of the information or in the performance of a bona fide corporate due diligence. There are however, exceptions that we must honor on behalf of our customers:
- The customer requests or authorizes it.
- The information is provided to help complete a customer initiated transaction.
- The disclosure is required by/or allowed by law (subpoenas)
Whenever we provide customer information to a third party, we insist that the third party adhere to similar privacy principles for keeping such information confidential.