Privacy Policy

 FACTS

WHAT DOES THE FARMERS SAVINGS 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   
• Account balances
• Payment history 
• Transaction history 
• Credit history
• Checking account information
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 The Farmers Savings Bank chooses to share; and whether you can limit this sharing.

 Reasons we can share your personal information.  Does the Farmers Savings Bank 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 don't share
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 nonaffiliates to market to you
 No  We don't share

 Questions?  Call 330-648-2441 or go to www.fsb-spencer.com

What We Do 
How does The Farmers Savings 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.
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 The Farmers Savings
Bank collect my personal
information?
We collect your personal information, for example, when you
 - Open an account  - Give us your employment history 
 - Apply for a loan  - Give us your wage statements 
 - Use your credit or 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. See below for more on your rights under state law.
   
 Definitions
 Affiliates Companies related by common ownership or control. They can be fmancial and nonfinancial companies. 
    - The Farmers Savings Bank has no affiliates.
 Nonaffiliates Companies not related by common ownership or control. They can be fmancial and non-financial companies. 
    - The Farmers Savings Bank does not share with nonaffiliates so they can market to you.
 Joint Marketing A formal agreement between nonaffiliated fmancial companies that together market financial products or services to you. 
    - The Farmers Savings Bank doesn't jointly market.

   
 Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Customers. We will not share personal information with nonaffiJiates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.





The Farmers Savings Bank welcomes your comments. We strive to give our customers the best service possible. If you have any questions or comments, please call us at 330-648-2441 or email us at info@fsb-spencer.com. We are, "The Bank with the Personal Touch."

Copyright © The Farmers Savings Bank, 2015
Privacy Policy
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