Riverside National Bank and its affiliated companies care about you and place a high priority on protecting the privacy of your financial information. We take a wide variety of precautionary measures throughout the bank to safeguard the confidentiality of your personal and financial information.
We also want to ensure that you receive all the information you may need to maximize the benefits you receive from your financial relationship with us. From time to time we may ask affiliated and non-affiliated companies to provide information to you on products or services that you may find beneficial. However, Riverside's policy gives you the option to tell us not to share your information for this purpose. You may also change your preference in the future.
But above all, we want you to know that we do not sell any of your personal information to anyone, nor do we allow any third party we do business with to sell this information.
Please read the following for details.
INFORMATION WE COLLECT ABOUT YOU
We collect information necessary to deliver quality products and services to our customers.
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms.
- Information about your transactions with us, our affiliates, or others.
- Information we receive from a consumer reporting agency.
- Information from outside sources regarding employment, credit and other relationships.
- Information from other outside sources such as data from public records.
CATEGORIES OF
NONPUBLIC PERSONAL INFORMATION WE MAY DISCLOSE
From time to time, we may provide information to reputable companies who help deliver our services to you or inform you about financial products and services. We only provide them with information that we believe is necessary to fulfill their responsibilities or to provide a financial service to you. These companies are prevented by legal agreement from using this information for their own purposes or selling this information to others..
We may disclose the following kinds of nonpublic personal information about you:
- Information we receive from you on applications or other forms, such as your name, address, social security number, phone number, assets, and income.
- Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage.
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
CATEGORIES OF
AFFILIATED AND NONAFFILIATED
THIRD PARTIES TO WHOM WE MAY DISCLOSE
We may disclose nonpublic personal information about you to the following types of affiliated and nonaffiliated third parties:
- Financial service providers, such as mortgage bankers, securities broker-dealers, or insurance agents.
- Non-financial companies, such as direct marketers and check printers, who participate with us in supplying products and services to customers.
We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
SERVICE PROVIDERS AND JOINT MARKETERS
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
- Information we receive from you on applications or other forms, such as your name, address, social security number, phone number, assets, and income.
- Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage.
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
We will not share your account numbers or access codes with outside companies for marketing purposes.
DISCLOSURE OF INFORMATION ABOUT FORMER CUSTOMERS
If you terminate your relationship with Riverside National Bank or its affiliates, we will not share information we have collected about you, except as may be permitted or required by law.
OPT-OUT DISCLOSURE
If you prefer that we not disclose nonpublic personal information about you to affiliated and nonaffiliated third parties, you may opt out of those disclosures. That is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to affiliated and nonaffiliated third parties, you may:
- Call the following toll-free number
- 1-800-741-3283
- Reply via electronic means by accessing www.riversidenb.com clicking on Privacy Statement Opt Out link.
- Complete and sign the form below and return to us by mail at the following address
If you have previously informed us of your preference, you do not need to do so again.
Riverside National Bank of Florida
Customer Data Privacy Manager
P.O. Box 1360
Fort Pierce, FL 34954-1360 |
I do not want the institution to disclose any nonpublic personal information (except as permitted by law) about me to nonaffiliated third parties. |
Name______________________________________________________________________ |
Address:___________________________________________________________________ |
City:_______________________________ State:______________ Zip:_________________ |
Social Security or Tax ID#:_____________________________________________________ |
Signature:______________________________________________ Date:________________ |
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JOINT ACCOUNTS
A single opt-out notice received from any joint account owner will be considered as a request from all of the account owners to opt-out.
HOW TO LIMIT MARKETING FROM OTHERS
The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint at https://www.donotcall.gov/. You can register your home or mobile phone for free. Your registration will be effective for five years.
The Credit Reporting Industry Prescreening Opt Out gives you a choice about whether to receive mail or e-mail pre-approval credit solicitations. You can register by calling 888-567-8688 or visit optoutprescreen.com. You may also contact the Direct Marketing Association and request your information be placed on its do not contact lists. You must include your name, address, telephone number and signature with your request.
Mail Preference Service
Direct Marketing Association
P.O. Box 643
Carmel, NY 10512
ACCURACY OF INFORMATION
We strive to maintain complete and accurate information about you and your accounts. If you ever believe that our records contain inaccurate or incomplete information about you, please let us know immediately. We are committed to resolving any inaccuracies as quickly as possible.
Credit Reporting Agencies
If you believe we have reported inaccurate information about your account to any credit reporting agency, please let us know in writing. Be sure to include your complete name, current address, Social Security Number, telephone number, account number, type of account, specific item of dispute and the reason you believe the information is wrong. Send your notice to: Riverside Bank, 2810 South Federal Highway, Fort Pierce, FL 34982. We will investigate your concern and correct any inaccuracies we find. We will inform you of any actions we take.
CONFIDENTIALITY & SECURITY
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.
We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
How You Can Help Protect Your Privacy
We recommend that you take the following precautions to guard against the disclosure and unauthorized use o f your account and personal information:
- Do not share your account information, passwords, user ID’s, PINs, code words or other confidential information with others.
- Do not provide confidential information by telephone to unknown callers.
- Do not provide confidential information online unless you initiated the contact, know the party with whom you are dealing, and provide the information through a secure channel.
- When conducting business over the Internet, always use a secure browser, exit online applications as soon as you finish using them, and make sure you have virus protection and a firewall and update them regularly.
- Protect and properly dispose of your account records.
- Report lost or stolen checks, credit and debit cards immediately.
If you believe you are a victim of fraud or identity theft, please contact us at1-800-741-3283 for assistance, which may include placing holds on your accounts.
Identity Theft Assistance
Monitoring your credit for accuracy is an important step to take in protecting yourself from fraud and identity theft. By law, you are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies. To learn more or request a copy of your credit report, visit annualcreditreport.com or call (877) 322-8228.
If you believe you may be a victim of identity theft:
- Contact your local police and ask to file a report. Even if the police can’t catch the identity thief, having a police report can help you in clearing up your credit records later on.
- File a complaint with the Federal Trade Commission (FTC). Call the FTC’s identity theft hotline toll-free at 1 (877) IDTHEFT (438-4338). The hotline is staffed by counselors trained to help victims and take their complaints. You may also file a complaint online at www.consumer.gov/idtheft.
- Complete the identity theft affidavit, which will assist you in reporting to many companies that a new account has been open in your name. Obtain a copy of the identity theft affidavit by clicking the link below: www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf.*
- Call the fraud departments of all three credit bureaus. Ask them to put a "fraud alert" on your file. This tells creditors to call you before they open any more accounts in your name.
- Equifax 1-800-525-6285
- Experian 1-888-397-3742
- TransUnion 1-800-680-7289
You should review a current credit bureau report to identify any unauthorized accounts or inquiries and ask the credit reporting agency about placing a Victim Alert Flag on your files.
- Contact us at (800) 741-3283 to place holds on your accounts,
Contact the Social Security Administration’s Fraud Hotline at (800) 269-0271 to report fraudulent use of your identification information.
Important Information About Procedures for Opening a New Account
Please join Riverside National Bank in assisting the United States Government in the fight against the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means to you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents.
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