Privacy Notice

What Does Fourth Capital 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 account balances
  • income and transaction history
  • credit history and payment history

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 chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Fourth Capital 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 Yes No
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes –information about your transactions and experiences No We don’t share
For our affiliates’ everyday business purposes –information about your creditworthiness No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share

 

How Does Fourth Capital 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 Collect My Personal Information?
We collect your personal information, for example, when you:

  • apply for financing or make a wire transfer
  • make deposits or withdrawals from your account or open an account
  • provide employment information

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.

Other Privacy Concerns:

  • Fourth Capital has no affiliates.
  • Fourth Capital does not share with nonaffiliates so they can market to you.
  • Fourth Capital does not jointly market.

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.

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