person using computer

Privacy Notice

FACTS

WHAT DOES COMMERCIAL BANK DO WITH YOUR 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
  • Account Balances
  • Payment History
  • Transaction History
  • Credit History
  • Employment Information
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 Commercial Bank & Trust Company chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Commercial Bank & Trust Company 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 Yes No
For our affiliates' everyday business purposes -
information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes -
information about your creditworthiness
Yes Yes
For non-affiliates to market to you No We don't share
To limit our sharing








  • Call toll-free 1-800-273-8889
  • Mail the enclosed form
Please note:
If you are a new customer, we can begin sharing information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Call toll-free 1-800-273-8889

What We Do
How does Commercial Bank & Trust Company 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Commercial Bank & Trust Company collect my personal information? We collect your personal information, for example, when you
  •  Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Give us your contact information
  • Make a wire transfer
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.
See below for more on your rights under state law
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and
non-financial companies.
  • Our affiliates include:
    • Financial companies such as: Volunteer Lenders Inc.
Nonaffiliates Companies not related by common ownership or control. They can be financial and
non-financial companies.
  • Commercial Bank & Trust Company 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.
  • Our joint marketing partners may include mortgage bankers.

Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with
nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you
or for joint marketing - without your authorization. We will also limit our sharing of personal information about you
with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or
share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates for them to market to you without
your authorization and we will not share personal information with affiliates or for joint marketing about your
creditworthiness without your authorization.

Mail-in Form

Mark any/all you want to limit:

Do not Share information about my creditworthiness with your affiliates for their everyday business purposes.
Name
Address
City, State, ZIP  
 
 
Mail To:
Commercial Bank & Trust Company
P.O. Box 1000, Attention Deposit Operations
Paris, TN 38242
 
To view this policy in a downloadable PDF click the following link: Privacy Policy (PDF 158kB)