BLUE RIDGE BANK AND TRUST CO.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
updated 11/2006
At Blue Ridge Bank and Trust Co., we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. While information is critical to providing quality service, we recognize that one of our most important assets is our customer's trust. Thus, the safekeeping of your information is a priority for us.
COLLECTION, RETENTION, AND USE OF CUSTOMER INFORMATION
We collect, retain, and use information about you in accordance with regulatory requirements, to enhance the quality of service and products we provide, and to inform you about additional opportunities that may be beneficial to you.
We collect personal and financial information about you from the following sources:
-Information we receive from you on applications or other forms
-Information about your transactions with us, or others
-Information from consumer reporting agencies
NONPUBLIC PERSONAL INFORMATION THAT WE MAY DISCLOSE
We may disclose all the information we collect as described above. This information will not include the sharing of account numbers.
PARTIES TO WHOM WE MAY DISCLOSE NONPUBLIC PERSONAL INFORMATION
We may disclose nonpublic personal information about you to non-affiliated third parties as permitted by law such as service providers who assist us in processing transactions on your behalf, credit reporting agencies, or as directed by you.
We may disclose 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 a joint marketing agreement
We may also disclose information we collect, as described above, to dual employees of Blue Ridge Bank and Trust Co. who may recommend products or services that we think could possibly be of interest to you.
Definition: Dual Employee -An employee of Blue Ridge Bank and Trust Co. who is also an employee for a non-affiliated third party, as described below:
-Financial service provider of products such as, securities, annuities, insurance, or other investments.
OPT OUT INFORMATION
If you wish to opt out of any disclosure of information (except as permitted by law) to non-affiliated third parties, you may contact our Customer Service Center at 816-795-9933 or Toll Free 888-795-9933. You may also send your instructions to Blue Ridge Bank and Trust Co. Attn: Customer Service Center at 4200 Little Blue Parkway, Independence, MO 64057.
What this means:
You may direct us not to disclose nonpublic personal information about you with non-affiliated third parties except as permitted by law. These exceptions include companies that perform marketing services on our behalf, other financial institutions with whom we have a joint marketing agreement, other non-affiliated service providers such as those that assist us in processing transactions on your behalf, and credit reporting agencies.
MAINTENANCE OF ACCURATE INFORMATION
We continually strive to maintain complete and accurate information about you and your accounts. If you believe that our records contain inaccurate or incomplete information, please notify us. We will investigate your concerns and correct any inaccuracies.
CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
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 have safeguards in place through policies and procedures that protect your nonpublic personal information from non-bank employees who may have access to information about you due to the proximity of the location of their offices.
We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers, except as permitted by law.
WEBSITE PRIVACY STATEMENT
Specific to Internet Usage
When someone visits the Bank's website, our goal is to provide the same level of protection for their information as we have indicated above.
Blue Ridge Bank & Trust Co. and its web hosting company acting as Blue Ridge Bank & Trust Co.'s agent will collect and store technical information about your visit to our web site. We use this information for statistical purposes to make our site more accessible to visitors, and the information we collect is not provided to any other third party. Specifically, we may record:
Access to your account information using NetTeller online banking is protected using Customer ID, password, and 128-bit encryption technology. You must apply for this product and become registered with Blue Ridge Bank & Trust Co. for authentication purposes. For more information, please call your local branch or any Financial Services Representative at 816-358-5000 between 9 a.m. and 5 p.m., and we'll set up your user ID and password.
We will link to other internet sites as a convenience to you, our customer. Blue Ridge Bank & Trust Co. will only link to sites that uphold our corporate standards. However, we are not responsible for the content of those sites, nor their policies for the collection of customer information.
Blue Ridge Bank & Trust Co. has implemented technology to help ensure that any sensitive personal information you provide us or any account information you receive online is handled in a safe and secure manner. Special secure-connection hardware and software are in place to help insure the security of online communication of your information.
Additionally, we have implemented procedures to provide assurance that only authorized Blue Ridge Bank & Trust Co. employees may view the information you share with us. This is accomplished by limiting access to that information (via access capability and password control) to only those employees having a legitimate business purpose for viewing or responding to your information or inquiries.
Blue Ridge Bank and Trust Co. employees are governed by a strict code of conduct, which includes the importance of our customers' rights and expectations of privacy. Information is shared strictly on a "need to know" basis, and only with those who have a valid right to that information. Our employees are educated as to the importance of this issue, and disciplinary measures are used to enforce it.
Our Web Site includes sections that are public (not password protected) as well as areas that are password protected (for example, individual customer banking areas or records).
Unlike the personal information that you provide and view with respect to your personal banking relationship, all of the information we may gather in the public areas of our Web Site is technical. We use this information to determine which parts of our Web Site are most popular, how people access our site, how we can improve the content of our Web pages, and how we can improve service to our customers.
In addition, included in the Blue Ridge Bank and Trust Co. Web Site is the capability for you to correspond with us. This correspondence, via e-mail, may be for asking general questions, requesting literature, or responding to bank promotions. These activities may include sharing some personal information about you with Blue Ridge Bank & Trust Co. We collect the e-mail addresses of those who correspond with us via e-mail.
If you have provided personal identifying information via e-mail (such as name and address), the information will only be used to communicate with you to handle your request. It is not sold or transferred to third parties unless required to do so by law. We want to be very clear: we will not obtain personal identifying information about you when you visit our site, unless you choose to provide such information to us.
If you send 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, charge card numbers or Social Security numbers you may want to send this information via postal mail to:
Blue Ridge Bank & Trust Co.
4240 Blue Ridge Blvd., Suite 100
Kansas City, MO 64133-1700
Protecting Our Children
We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with the online industry and parents.
We will not collect personally identifiable information from your child. If your child sends us an e-mail with a question or comment, or enters one of our contests, we will respond using his or her e-mail, but will also review and respond within our quarterly newsletter from Otter B.
If your child submits stories, artwork, comments, or anything else to us which is posted at our site, he or she will be identified only by first name, age.
We want to make this site a place where families can surf together, and where parents and caregivers are happy to have their children interact, learn, and play. If you have any comments or questions, we're happy to hear them. This is, after all, your site.
Maintenance of Accurate Information
We have procedures to help ensure that your financial information is accurate and current. Our goal is to respond to your requests to correct inaccurate information in a timely manner.
Whether or not you are a customer of Blue Ridge Bank and Trust Co., we will collect personal information from you if, and only if, you voluntarily provide that information to us. It is our policy that we will not sell or rent customer information to any unaffiliated third party for marketing purposes.
The Bank reserves the right to change this policy at any time. Questions concerning the privacy of your information at Blue Ridge Bank and Trust Co. should be directed to:
Blue Ridge Bank and Trust Co.
Attention: Security
4240 Blue Ridge Boulevard, Suite 201
Kansas City, MO 64133-1700
Telephone: (816) 358-5000 ext 4184
E-Mail: security@blueridgebank.net