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Privacy Policy

Rev 9-2010

FACTS WHAT DOES COMMERCIAL TRUST COMPANY 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 Commercial Trust Company chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Commercial Trust Company 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		 No We do not share
For joint marketing with other financial companies No We do not share
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No We do not share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We do not share
For our affiliates to market to you No We do not share
For our non-affiliates to market to you No We do not share

 

Questions? Contact one of our customer service representatives by calling our Fayette Facility at 660-248-2222 or our Harrisburg Facility at 573-256-6111 or toll free at 877-568-2111.
Who we are
Who is providing this notice? Commercial Trust Company
What we do
How does Commercial Trust Company 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 Commercial Trust Company collect my personal information? We collect your personal information, for example, when you

  • open an account
  • pay your bills or apply for a loan
  • use your credit or debit card
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 yiou additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Commercial Trust Company does not share with our affiliates
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Commercial Trust Company does not share with non-affiliates
Joint marketing A formal agreement between nonaffiliate financial companies that together market financial products or services to you.

  • Commercial Trust Company does not joint market
Other important information
From time to time, we may change the policies and procedures provided in the Privacy Statement, due to changes in the law, or changes in our operations, and we will notify you of these changes as required by law.