Privacy Policy

FACTS: WHAT DOES HAPPY STATE 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 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 customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons HAPPY STATE BANK chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

 

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

Does HAPPY STATE BANK share? Yes

Can you limit this sharing? No

 

For our marketing purposes — to offer our products and services to you

Does HAPPY STATE BANK share? Yes

Can you limit this sharing? No

 

For joint marketing with other financial companies

Does HAPPY STATE BANK share? Yes

Can you limit this sharing? No

 

For our affiliates' everyday business purposes — information about your transactions and experiences

Does HAPPY STATE BANK share? No

Can you limit this sharing? We don't share

 

For our affiliates' everyday business purposes — information about your creditworthiness

Does HAPPY STATE BANK share? No

Can you limit this sharing? We don't share

 

For non-affiliates to market to you

Does HAPPY STATE BANK share? No

Can you limit this sharing? We don't share

 

What We Do

 

How does HAPPY STATE 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 HAPPY STATE BANK 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 credit card or debit card

We may 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. 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.

• HAPPY STATE BANK does not share with our affiliates

 

Non-affiliates

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

• HAPPY STATE BANK does not share with non-affiliates so they can market to you.

 

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint partners include The Independent Bankers bank (TIB) only if you apply for a HAPPY STATE BANK credit card.