Purpose
It is
the intent of this policy to describe how we will keep customer and former
customer information protected, confidential, and secure. We will also describe
the scope of the information we keep and some of our practices to update and
protect this information. This policy statement is intended to comply with all
applicable laws and regulations as required.
Our
Commitment To Privacy
Your
privacy is important to us. To better protect your privacy we provide this
notice explaining our information practices and the choices you can make about
the way your information is collected and used. To make this notice easy to
find, we make it available in writing, on our homepage at www.ocsavings.com
and at every office location we maintain.
We
also participate in the Council of Better Business Bureaus' BBBOnLine® Privacy
Program, and comply with all the BBBOnLine® privacy standards. Further
information about this program is available at http://www.bbbonline.org.
Our
Commitment To Children's Privacy
Providing
service to children while protecting their privacy is important to us. We
provide accounts to minors only with parental consent.
We
provide a special youth section to our web pages with links that have been
reviewed for content suitability for children of all ages. Links and content in
all of our web pages are reviewed to ensure suitability for children who browse
outside the youth pages of our site.
We do
not host or link to any chat or posting sites where children would be able to
communicate directly with others. We do provide email links to associates of
Ohio Central Savings for questions, support or additional information. E-mails
sent to Ohio Central Savings Associates are responded to on a one-time basis and
no personally identifiable information is maintained.
Safeguarding
Your Information
To
protect information you submit to us, we provide secure internet forms and
nationwide 800 number access. It is highly recommended that you never submit
your account number, social security number or any other personal information
via email. The best way to ensure privacy is to use only secure forms or call or
write to us. To prevent unauthorized access, maintain data accuracy, and ensure
the correct use of information, we have put in place procedures to safeguard and
secure the information we collect in compliance with federal standards.
Employee Training
We
continually work with our associates to recognize and protect your privacy. Our
associates perform a series of checks to verify the identity of our customer
before releasing information. These verifications are required regardless of the
medium the customer uses to contact us.
Creating
Documentation and Verification
Information
and requests received from customers will be verified with our records or with
other public records to ensure proper identification and access permission.
Our Commitment to
Accuracy
We
strive to keep our information up-to-date and accurate. When we find there is
updated information available about you, it is our policy to verify this
information with you prior to changing your file with us. We also periodically
review your information and request updates directly from you.
The Information
We Collect
We
collect the following information from you that we reasonably believe will be
necessary or useful in processing, administering and maintaining the products
and services you have requested from us.
We
collect information from you from various sources such as 1) applications or
other forms, such as your name, address, phone, social security number, assets
and income, 2) information about your transactions with us and affiliates or
others such as your account balance, payment history, parties to transactions,
credit and debit card usage, 3) information we receive from third parties
including consumer reporting agencies, such as credit worthiness and credit
history, and 4) information we are required to collect for government tracking
of loan applications and credit granting.
The Way We Use
Information
We use
the information you supply about yourself to underwrite loans and services, to
maintain and service accounts, and to communicate with you about your accounts
that our affiliated companies and we provide to you. We may disclose nonpublic
personal information about you with our affiliates (businesses related to us by
common ownership or control) and other non-affiliated third parties under
certain circumstances to provide account services. We do not disclose any nonpublic personal information about
you to anyone, except as permitted under law or otherwise provided in this
policy.
Who
receives information and why
We
communicate your information to third party providers in order to obtain
information about you to determine our willingness to provide credit or services
to you and to prevent fraud. We
also provide account information to national consumer reporting bureaus. Certain
information such as real estate mortgages, auto lien filings, uniform commercial
code filings and other documents are public records.
We may
disclose information we collect to our affiliated financial service providers,
such as insurance agents and savings institutions (“affiliate” businesses
are related to us by common ownership or control).
Except
as permitted by law, or otherwise provided in this policy, we do not release
information to nonaffiliated third parties.
An example of when we may share customer information as permitted by law
with a nonaffiliated third party would be to complete a transaction you
requested, such as by ordering a property appraisal as a part of your loan
application.
We are
also required to report information to certain government agencies and to have
information reviewed by agency examiners and outside auditors. In addition, we
are compelled from time to time to provide information pursuant to court orders.
We use
return email addresses to answer the email we receive and to communicate
directly with you. We do not allow third parties access to this
information.
We may
disclose the information we collect to companies that perform marketing services
on our behalf or to other financial institutions with whom we have joint
marketing arrangements. The third
party marketing service providers who receive this information are required
under law to use the information we share with them only for our specific
marketing purposes. Applicable law
prohibits them from re-using or selling this information.
How You
Can Correct Your Information
We
have established procedures to ensure that your information is accurate and
complete. You can access your
information by phone, in person or by fax. In addition you will be mailed
a periodic statement that contains your information.
You
can correct factual errors in your personally identifiable information by
sending us a written signed request that credibly shows the error and the
correct information to PO Box 645, Dublin, OH 43017. To protect your privacy and
security, we will also take reasonable steps to verify your identity before
making corrections.
Links to Third
Parties
Third
party links from the Ohio Central Savings website are provided as an additional
resource. Ohio Central Savings does not have any control over the
information provided or submitted to these resources. Individuals should
check with the third party providers to learn more about their information
collection practices.
How To Contact Us
Should
you have other questions or concerns about these privacy policies, please call
us at 800-678-6228 or send us an email at bob@ocsavings.com
or by U.S. mail at 6033 Perimeter Drive, PO BOX 645 Dublin, OH 43017.
Important Information About Procedures for Opening a New
Account
To help the government fight 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 or other identifying
documents.
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