Privacy Notice

What Does Fourth Capital, A Division of Volunteer State Bank Do With My Personal Information?

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 and income
• 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 Fourth Capital, A Division of Volunteer State Bank chooses to share; and whether you can limit this sharing.

How Does Fourth Capital, A Division of Volunteer State Bank Protect My Personal 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 Fourth Capital, A Division of Volunteer State Bank Collect My Personal Information?
We collect your personal information, for example, when you:

• open an account or deposit money
• pay your bills or apply for a loan
• use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

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 nonaffiliates 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 nonfinancial companies.

• Fourth Capital, A Division of Volunteer State Bank does not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Fourth Capital, A Division of Volunteer State Bank does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Fourth Capital, A Division of Volunteer State Bank does not jointly market.

Download a PDF.

PROTECTING PERSONAL INFORMATION

We maintain physical, electronic and procedural safeguards to guard your personal information including security measures that restrict bank employee access to personal information. Only authorized employees have access to personal information. Our employees are continually educated in the value of your privacy through our training programs, and established policies and procedures.

OUR THIRD PARTY RELATIONSHIPS

We expect all third parties that we do business with to hold to the same privacy standards that we have established. We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

RESTRICTIONS ON DISCLOSURE OF ACCOUNT INFORMATION

We will never disclose customer account information or other personally identifiable data to unaffiliated third parties except as permitted by law (e.g., credit bureau or Internal Revenue Service). Such information will only be disclosed to complete a customer-initiated transaction, fulfill a customer request or comply with the law.

CHILDREN’S ONLINE PRIVACY

The law requires parental consent to collect or use information from a child under 13. If you are a child under 13, please show this to your parents and do not use the online services of this institution without verifiable parental consent pursuant to the Children’s Online Privacy Protection Act.

USE OF “COOKIES”

We monitor the usage of our website through the use of “cookies.” Cookies are small pieces of information that are sent by a web server to be stored on a user’s web browser. This allows the web site to determine whether the visitor is a first-time user or a return visitor, thus allowing quicker load time of the web pages to the user. We do not use cookies to disclose customer information. Your browser can be configured to detect cookies if you wish, thus allowing you to decline acceptance of cookies.

DIGITAL PRIVACY NOTICE

In accordance with our Privacy Policy, Fourth Capital, A Division of Volunteer State Bank may share your personal information for our everyday business purposes which includes processing transactions through your Fourth Capital, A Division of Volunteer State Bank Banking Apps (‘Applications’). This Digital Privacy Notice governs your use of the Applications both for mobile devices and desktop computers.

WHAT INFORMATION DOES THE APPLICATION OBTAIN AND HOW IS IT USED?

In order to process deposits through your mobile devices, you may be asked to grant permission to access your mobile device’s camera to support capturing a check image to complete this transaction.

We may share images of checks that you deposit through the Applications:

• with third-party service providers to process your deposit transaction.
• as required by law, such as to comply with a subpoena, or similar legal process;
• when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.