Privacy & Security
What Does Fourth Capital Do With My Personal Information?
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.
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.
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.
ID THEFT PROTECTION
Among the fastest growing crimes worldwide, identity theft can have devastating financial impact on both consumers and businesses. Identity theft is the unauthorized use of your personal information, including your name, birth date, address, Social Security Number, bank account number, credit card number, or other identifying information without your knowledge to commit fraud or theft.
HOW TO TELL IF YOU ARE A VICTIM
Clues that your personal information is being used fraudulently:
- You receive emails asking you to click through to a site in order to provide, update, or verify your account information. This is known as “phishing.”
- You fail to receive bills or other expected mail
- You receive credit cards for which you did not apply
- You are denied credit for no apparent reason
- You receive calls from debt collectors or companies about merchandise or services you didn’t buy
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”
For more information regarding Internet banking security please call 615-298-8000.
This website has been established by Fourth Capital Bank for the sole purpose of conveying information about its products and services and to allow communication between Fourth Capital Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.
From time to time Fourth Capital Bank may place links to other websites on this page. Fourth Capital Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.
The information and materials contained in this website are owned by Fourth Capital Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
Fourth Capital Bank makes no warranties of any kind regarding the products and services advertised on this site. Fourth Capital Bank will use reasonable efforts to ensure that all information displayed is accurate; however, Fourth Capital Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. Fourth Capital Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if Fourth Capital Bank has been informed of the possibility of such loss or damage.
This agreement and the use of this website are governed by the laws of the State of Tennessee.