Consumer Information Privacy Policy

Rev Date: 12/18

Facts

WHAT DOES JCBANK 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 income
  • account balances and payment history
  • credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

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 JCBank chooses to share; and whether you can limit this sharing.


Reasons we can share your personal informationDoes JCBank 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		YesNo
For our marketing purposes—
to offer our products and services to you		YesNo
For joint marketing with other financial companies— NoWe don't share
For our affiliates' everyday business purposes—
information about your transactions and experiences		NoWe don't share
For our affiliates' everyday business purposes—
information about your creditworthiness		NoWe don't share
For our affiliates to market to youNoWe don't share
For non-affiliates to market to youNoWe don't share
Questions?Call 812-522-3607 or go to www.jcbank.com and click on Contact Us
Who we are
Who is providing this notice?JCBank

What we do
How does JCBank 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 JCBank collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your debit card

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.


Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • JCBank does not share with our affiliates.
Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • JCBank does not share with non-affiliates so they can market to you.
Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • JCBank doesn't jointly market.