Privacy Policy

Revised 12/2024
FACTS:      WHAT DOES BANK OF RIPLEY 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 transaction history
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 Bank of Ripley chooses to share; and whether you
can limit this sharing.
Reasons We Can Share Your Personal Information Does Bank of Ripley
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		 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		 No We Don't Share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We Don't Share
For our affiliates to market to you No We Don't Share
For nonaffiliates to market to you No We Don't Share
Questions? Call 731.635.1230 or go to www.bankofripley.com
Who We Are
Who is providing this notice?    Bank of Ripley, a division of Security Bank and Trust Company,
Bank of Tipton, a branch of Bank of Ripley   
What We Do
How does Bank of Ripley 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate..
How does Bank of Ripley collect my personal information?
We collect your personal information, for example, when you
  • Open an account or apply for a loan
  • Pay your bills or use your credit or debit card
  • Make deposits or withdrawals from your account
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 non-affiliates 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 non-financial companies.
  • Our affiliates include companies such as our bank holding Company -- Security Bancshares, Inc
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non-financial companies. 
  • Bank of Ripley does not share with nonaffiliates 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.
  • Bank of Ripley doesn't jointly market.