Consumer Privacy Notice


FACTS WHAT DOES NEIGHBORS 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 and Account transactions
  • Account balances and Checking account information
  • Overdraft history and Wire transfer instructions
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 Neighbors Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Neighbors Bank share? Can you limit this sharing?
For our everyday business purposes -
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
Yes No
For our affiliates' everyday business purposes -
information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For our nonaffiliates to market to you No We don't share


To limit our sharing
  • Call 573-234-6720 — our menu will prompt you through your choices or Visit us online: www.NeighborsBank.com/opt-out/

  • Please note:
    If you are a new customer, we can begin sharing your 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 573-234-6720 or go to https://www.neighborsbank.com/privacy/

Who We Are
Who is providing this notice? Neighbors Bank
What We Do
How does Neighbors Bank 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 Neighbors Bank collect my personal information? We collect your personal information, for example, when you:
  • open an account or make a wire transfer
  • use your credit or debit card or show your driver’s license
  • apply for financing
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.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
*Our affiliates include companies with a Clarence State Bank, Veterans United, Military United, and Mortgage Research Center name; and nonfinancial companies such as Veterans United Realty and Alliance Realty Network.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
*Neighbors Bank 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.
*Neighbors Bank does not jointly market.

Other Important Information
Vermont Residents - Except as permitted by law, we will not share information we collect about you with nonaffiliates or affiliates.
California Residents - Except as permitted by law, we will not share information we collect about you with nonaffiliates or joint marketing partners while you are a resident of California.
Nevada Residents - Call 573-234-6720 to be placed on our Do-Not-Call list. For more information, mail Neighbors Bank, 2301 Chapel Plaza Ct., Suite 2, Columbia, MO 65203 or email privacy@neighborsbank.com. You may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101, call 702-486-3132, or email DBCPINFO@ag.state.nv.us. This notice is provided pursuant to state law.


Online Privacy Notice

We Respect Your Privacy

Your privacy matters to us and we recognize the importance of keeping your information secure. Below, you will find details about our privacy policies and how your information is used. This Online Privacy Notice applies to this Neighbors Bank website. We encourage you to review this policy to better understand how information we collect is used to provide you with exceptional service.

  1. What We Collect
    We collect two types of information through this site: Personal and Non-Personal.
    1. Personal Information
      Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers. We may use Personal Information to:
      1. to respond to your inquiries and fulfill your requests;
      2. to inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information;
      3. to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you;
      4. to personalize your experience on the Site;
      5. to allow you to apply for products or services (e.g., to prequalify for a mortgage, or open a checking account, savings account, or other financial product) and evaluate your eligibility for such products and services;
      6. to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared;
      7. for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
      8. for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements.
    2. Non-Personal Information
      We also collect Non-Personal information which includes, but is not limited to: your IP address, referring URL, your web browser, your operating system, the web pages you view while visiting our site and your interactions with those pages.
      1. We use this information to improve our site and better accommodate our visitors.
      2. We utilize "cookies" throughout our site to improve your experience and to help us understand our visitors' needs. A "cookie" is a small text file that contains your anonymous information and is transferred onto your computer where it is stored, and then allows the website administrator to identify your computer and learn about how you use our web site. A "cookie" will not allow a web site to learn any personally identifiable information, like your name or address, which you otherwise would have disclosed. We use cookie information to identify and correct errors on our site and to determine the popularity of pages and to provide you with an excellent resource for mortgage information on the internet.
      3. We utilize Web Beacons to track the effectiveness of our marketing campaigns. Web beacons (also known as clear gifs, pixel tags, and single-pixel gifs) are small graphic images on a web page or in an email that can be used for such things as recording the pages and advertisements that you select, or tracking the performance of email marketing campaigns.
      4. We collect other site usage information via Google Analytics and Google's DoubleClick cookie to serve ads over time based on a user's prior visits to our website. You may opt out of the DoubleClick cookie by visiting the Google advertising opt out page or you may opt out of Google Analytics by visiting the Google Analytics opt-out page.
      5. We use FullStory.com to collect information regarding your use of our site, including pages visited, links clicked, non-sensitive text entered, and mouse movements, as well as information more commonly collected such as your IP address, referring URL, browser, operating system, cookie information, and Internet Service Provider. FullStory.com does not collect or store your interactions with any form inputs that could be used to personally identify you. Data is stored by FullStory.com for up to 60 days after your web session. You may opt out of this usage tracking by clicking here.
      6. California "Do Not Track" Disclosures: While some Internet browsers have the ability to specify privacy preferences to websites, including requests not to track your usage and browsing history, Neighbors Bank websites do not currently respond to these signals and may continue track your activity on this website and use gathered information as provided in this policy.
    1. How We Use Your Submitted Information
      1. Our primary purpose in collecting information about you is to provide you with the products, services, and information that you request. We may use information about you to track how you use our website. We may use information to provide maintenance, support, and answer other customer service questions regarding the website. In addition, we may aggregate the information that you provide with the information that other users provide in order to conduct research, analysis, or studies for our own purposes.
      2. If you submit your information, you may be contacted directly by phone and/or email as a result of your request, even if the number you supplied is on the National Do Not Call registry. If, however, after you have submitted your information to us and you no longer wish to be contacted at the phone numbers provided, you may instruct us to place you on our internal "do not call" list by calling us at 1-800-220-0600.
      3. You may choose what information to provide us. You may choose to withhold certain information, but this may affect your ability to use certain features of our website. We encourage consumers to disclose all pertinent information so we can provide a high level of customer service and offer the best products for you.
      4. Federal and state laws require us to maintain certain loan qualification forms for set periods of time. In order to comply, we may be unable to delete certain information from our systems once you supply it to us. We make significant efforts to protect this information.
      5. Neighbors Bank may periodically send you complimentary materials including newsletters, commercial offers, instructional videos or other information if you choose to provide us an email address. By providing your email address or submitting a request for more information that includes your email address, you have opted to receive these materials from us. If you desire to stop receiving these materials, please email privacy@neighborsbank.com with the specific request.
      6. For additional information on how Neighbors Bank makes use of the Personal Information you submit to us, please see our Consumer Privacy Notice.
    1. How We Share your Information
      1. We may be required to disclose certain personal information resulting from a properly served request from a federal or state law enforcement agency, government agencies, or other similar entities as a result of a subpoena, court order, in order to exercise our legal rights, to protect our company or employees from threats or fraud, to protect us from legal claims, or as otherwise required by law. We may raise or waive any legal rights available to us. This information may also be disclosed in the event of a merger or sale of the company, an asset sale, or the unlikely event of bankruptcy.
    1. Opt-Out Provisions
      1. Once you submit your information to Neighbors Bank it may not be retracted. You will be contacted by a representative after you submit a request through our site or an affiliate site.
      2. We may disclose any of the personal information that we collect from our customer or former customer to non-affiliated third party entities as permitted by federal and state law.
      3. If you wish to prevent all websites from tracking your website usage data via FullStory.com, you may opt out by navigating to https://fullstory.com/optout and clicking "Opt out of FullStory." Opting out will create a cookie that tells FullStory.com to turn off recording. The presence of this cookie is required to continue opting out, so if you clear your browsing cookies, you will need to opt-out again
      4. We comply with all relevant state and federal laws regarding the safeguarding of your personal information. Maintaining the security of your information is a top priority at Neighbors Bank, so please contact us with any questions or concerns that you have regarding this policy.
      5. WE DO NOT DISCLOSE ANY NON-PUBLIC PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOU TO ANYONE FOR ANY PURPOSE THAT IS NOT SPECIFICALLY PERMITTED BY LAW
      6. We restrict access to your stored non-public personal identifiable information to those employees that need to know this information in order to provide our services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your information against unauthorized access.
    1. Children's Online Privacy Protection Act (COPPA):
      1. This site is intended for individuals age 18 and older. Children under the age of 13 should not use this site, and are expressly prohibited from using our services.
    1. Our Secure System Protects You
      1. To protect your personal information from unauthorized access and use, Neighbors Bank uses physical, electronic, and procedural safeguards. Nevertheless, no system can be completely secure, and you should not expect that your information will remain protected. Unauthorized entry or use, hardware or software failure, human error, or a number of other factors may compromise the security of your information. As a consumer, you should always safeguard your personal information and protect yourself from potential identify fraud.
    1. General Policy Provisions
      1. The policies and practices described in this disclosure are subject to change, but we will communicate any such changes to you as required by law. We encourage you to periodically review our privacy policy for any changes.
      2. You may receive copies of this privacy policy as well as the terms and conditions by sending an email detailing your request to privacy@neighborsbank.com or by sending a written request to:

        Customer Service
        Neighbors Bank
        2301 Chapel Plaza Court, Suite 2
        Columbia, MO 65203

        Call 1-800-220-0600 to speak with a representative.