At Affinity Financial Corporation (AFC) and Sky Bank
(the Bank), respecting the privacy and security of your personal information
is our top priority. We recognize that our most important asset is our customers’ trust
and that is why we work diligently to safeguard the confidentiality of your personal
read this notice carefully. It will provide you with information on how we
manage the information you entrust to us and an overview of the policies we
use to protect your privacy.
COLLECTION OF INFORMATION
main concern when collecting and maintaining customer information is to provide
you with the best possible customer service. We obtain nonpublic personal
information about you from the following sources:
From you, on forms, via the Internet, by telephone or other
means. Examples of this type of information include your name, address, social
security number, employment, credit history and other financial information.
From transactions with us, our affiliates or with others.
For example, account balances, transaction records, and your payment histories.
From consumer reporting agencies such as a credit bureau
report relating to your credit worthiness.
From outside sources regarding your employment, credit or
other relationship with you or by verifying information you provided, such as
employment history and loan or credit card balances.
USE AND SHARING OF INFORMATION
customer information we collect, as described above, may be used for a variety
of reasons in the course of our conducting business and/or in compliance with
applicable laws and regulations. Our commitment to you is to limit who receives
the nonpublic personal information and the type of information shared in
accordance with the following guidelines.
INFORMATION SHARING WITHIN THE BANK AND AFFILIATES
the Bank, the primary purposes for which we use your nonpublic personal
information are as follows:
To develop or improve our products and services – We
collect and analyze customer information, such as account activity and history,
in order to find ways to improve our current products and services, or to develop
new ways to meet your needs
As part of our efforts to offer you the best and most current banking
opportunities, we may contact you with information about new products,
services and special promotions. If you would like to be taken off our
mailing list or e-mail list, please submit your request to the Bank by email or telephone.
To provide you with excellent customer service – Your
customer information allows us to respond quickly and efficiently to your
INFORMATION SHARING WITH NONAFFILIATED THIRD PARTIES
For those customers who open accounts with the Bank through this website, the Bank will not sell or provide your personal information to any third party for their independent use. We do not share information we collect about you or former customers with third parties except as permitted by law.
AFC and the Bank
may share all of the information we collect, as described above, with third
parties for a variety of purposes, including:
To companies that provide services for us in the processing
or servicing of your transactions. These companies may include check printers,
bill payment providers, customer service call centers, operations support, data
processing and ATM providers. For example, the company may provide assistance
in processing your transactions or in the production and mailing of your
account statements. Our contractual agreements with these companies require
them to maintain the confidentiality of your information and to use the
information only for the specific purpose we have requested.
To companies that perform marketing services on our behalf
or to other financial institutions with whom we have joint marketing
agreements. A joint marketing agreement with a third party could provide you
with access to specific bank products that we do not offer. “Financial
Institutions” would include insurance agents and companies, securities
broker-dealers, and other companies providing financial products or services.
Our contractual agreements with these companies require them to maintain the
confidentiality of your information and to use the information only for the
specific purpose we have requested.
To government, regulatory and other legal authorities, as
required by law, or in response to a subpoena or a similar legal process, a
fraud investigation, or to auditors conducting an examination of our bank. In
all cases, we only provide the specific information required.
PROTECTING THE SECURITY OF THE INFORMATION WE COLLECT ABOUT YOU
AFC and the Bank
maintain physical, electronic, and procedural safeguards to help prevent
unauthorized access to personal information. We restrict access to your
nonpublic personal information and your account information to those properly
authorized employees and agents who need to know that information. Our
employees are trained to fulfill their responsibilities of maintaining customer
confidentiality and privacy at all times. If necessary, disciplinary action
will be taken to enforce our policies on protecting your personal information.
ACCURACY OF YOUR CUSTOMER INFORMATION
do our best to maintain accurate and complete information about you and your
accounts. If you ever identify information you think is inaccurate or
incomplete, please contact
your Customer Care Team. We will
investigate your concerns and correct any inaccuracies.
you decide to close your account(s) or become an inactive customer, we
will continue to adhere to the privacy policies and practices as described
above regarding the collection and sharing of nonpublic personal information.
LINKS TO OTHER SITES
This web site contains links to other
sites. If you use a link to visit the site of another company, we cannot be
responsible for the privacy practices of that company or its site.
are small text files we place on your computer when you access our web site.
in the case that you are responding to a specific promotional offer. We do not
currently record any personal identifiable information in any cookies produced
by our site.
CHILDREN’S INFORMATION PRIVACY
Bank does not seek to obtain information from children or minors except to
identify beneficiaries. Our application process is designed to identify applications
submitted by minors and to prevent their opening an account. We may offer a
Uniform Gift to Minor Account that would include the name of the minor, but may
only be opened with an adult signatory on the account.
AFC and the Bank
will continue to review and monitor our privacy practices and we will modify
policy by accessing our web site or calling us toll free for
PRIVACY ISSUES CONTACT INFORMATION
P O Box 1245
Phone: 877-468-7265, toll free