|FACTS||WHAT DOES FARMERS & MERCHANTS BANK & TRUST 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.|
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|How?||All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information, the reason Farmers & Merchants Bank & Trust chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Farmers & Merchants Bank & Trust 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
For our marketing purposes -
to offer our products and services to you
|For joint marketing with other financial companies||Yes||No|
For our affiliates' everyday business purposes -
information about your transactions and experiences
For our affiliates' everyday business purposes -
information about your creditworthiness
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||No||We don't share|
|To limit our sharing||
Call toll free number (888) 331-2265
|Questions?||Call toll free (888) 331-2265 or go to www.fmbanktrust.com|
|Who we are|
|Who is providing this notice?||Farmers & Merchants Bank & Trust|
|What We Do|
|How does Farmers & Merchants Bank & Trust 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 Farmers & Merchants Bank & Trust collect my personal information?||
We collect your personal information, for example, when you
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
State laws and individual companies may give you additional rights to limit sharing.
|What happens when I limit sharing for an account I hold jointly with someone else?||
Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products and services to you.
When a customer or any other person visits our website – www.fmbanktrust.com – we may obtain certain information. The information we collect is subject to all of the safeguards we have described above, and is also subject to the following guidelines. F&M may collect information from visitors to our website in two ways; general information that we gather from your PC and specific information that you choose to provide to us. As a general policy, we do not automatically store or collect specific personal information concerning visitors to our website. We may, however, collect and store general information, such as:
- The name of the domain from which you access the Internet (for example, msn.com if you are connecting from the Microsoft Network or aol.com if you are connecting from America Online).
- The Internet address of the website from which you linked directly to our site (for example, www.Yahoo.com if you find us using the Yahoo search option.
- The specific link from which you accessed our website, if any (for example, an article link from our client e-mail newsletter).
- The type of web browsing software you are using to view our site (for example, Netscape or Explorer).
- The date and time you accessed our site.
If you choose to provide additional information about yourself, such as information on an application form, we will retain and use that information in accordance with our Privacy Notice principles.
Occasionally, we will link to other Internet sites as a convenience to you. We will link only to sites that uphold our standards. However, we are not responsible for the content of those sites, nor their policies for the collection of client information.
We may preserve the content of your e-mail, your e-mail address and our response so that we can better serve you. Depending on the content of your email, we may be required by laws and regulations to keep this information. If you send an e-mail to us, please remember that e-mail is not secure against interception. If your e-mail contains information that is very sensitive or includes personal information such as account numbers, credit card numbers or your Social Security number, you may wish to consider sending this information in another way, either by telephone or mail.
Our website is directed to a general audience. We do not knowingly solicit or collect personal information from children on our site.