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Privacy Policy
Disclaimer
USA Patriot Act, Identification Program
FDIC
Protecting the privacy of consumers is important to Bank of Lincolnwood and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Bank of Lincolnwood employees for the collection, use, retention, and security of nonpublic personal information.
“Consumer” means an individual who obtains or has obtained a financial product or service from a bank that is to be used primarily for personal, family, or household purposes, or that individual’s legal representative.
We take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Categories of Nonpublic Personal Information We Collect
We collect nonpublic personal information about you from the following
sources:
- Information we receive from you on applications or other forms such
as, your name, address, social security number, assets and income;
- Information about your transactions with us, our affiliates, or
others; such as your account balance, payment history, parties to
transactions, and credit card usage.
- Information we receive from third parties such as a consumer reporting agencies, such as your creditworthiness and credit history.
Nonpublic Personal Information We Disclose
We do not disclose any nonpublic personal information about our customers or
former customers to anyone, except to other nonaffiliated third parties as
permitted by law.
As an example of information that may be disclosed as permitted by law, we may disclose nonpublic information about you to others to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus.
Joint Marketing/Service Provider Disclosure
Although we would like to offer you a variety of services, there a many
services that we do not ourselves provide. Accordingly, we may establish
joint marketing programs with other financial institutions or other outside
companies. Any such program would include confidentiality agreements to
protect customer information. We may disclose all of the information we
collect (as described above) to companies that perform marketing services on
our behalf or to other financial institutions with which we have joint
marketing agreements.
Privacy on Our Web Site
We appreciate that both customers and those just visiting our web site have
special concerns about the privacy of their nonpublic personal information
on the Internet. The privacy policy of Bank of Lincolnwood applies fully to
all communications and transactions between you and us on the Internet. We
also want you to know we have taken steps to provide for the safety and
security of your information while communicating with us on the Internet.
Bank of Lincolnwood, like any web site owner, may collect and store
information about the name of the domain from which you access the Internet,
the date and time your access our web site, and the Internet address of the
web site from which you linked to us. We may also collect information on
visitors in the aggregate to enable us to tell which areas of the site are
of the most interest to our users, which areas of site promotion are most
effective, and when peak usage occurs.
E-Mail Privacy
Bank of Lincolnwood’s web site does not require you to disclose any personal
information. If, however, you elect to contact us via e-mail, please be
aware that your e-mail address, and any other information your e-mail header
shows about you, such as your name or business, will be visible to us in the
e-mail. When you communicate with us by e-mail, we will only use your e-mail
information for the specific purpose of responding to your comments or
questions. Your e-mail address will not be sold, nor will it be shared with
others outside the institution unless we are required to do so by law. For
your protection, we will reply by phone regarding any requests you have made
about your account information.
If you have questions regarding the Privacy Disclosure, please contact us at 1-847-675-2800.
Communications--You may communicate directly with Bank of Lincolnwood through our web site, subject to the following conditions:
- You may not upload information or material that violates any
copyright, trademark or other proprietary rights of any person or
entity.
- You must not include any obscene, libelous or defamatory content in
your communications.
- You acknowledge that from time to time, some of those communications may be shared with other departments within Bank of Lincolnwood.
Submissions
Information submitted to Bank of Lincolnwood through our web site will
become and remain the property of Bank of Lincolnwood. Bank of Lincolnwood
will be free to use, for any purpose, any ideas, concepts, know-how or
techniques contained in information provided to Bank of Lincolnwood through
our web site. Bank of Lincolnwood will not be subject to any obligations of
confidentiality regarding submitted information except as agreed to by Bank
of Lincolnwood in establishing and/or maintaining a direct customer
relationship or as otherwise specifically agreed to or required by law.
Disclaimer of Warranties
The information, materials, and functions contained on these web pages,
including text, graphics, links or other items are provided on an “as-is”
basis without warranties of any kind, either express or implied, including
but not limited to warranties or merchantability, fitness for a particular
purpose, or freedom from computer virus. Bank of Lincolnwood does not
warrant that adequacy, accuracy or completeness of the information and
materials included on these web pages or in third party sites linked to or
from our web pages or that the functions provided will be uninterrupted or
error-free. Bank of Lincolnwood expressly disclaims any liability for any
errors in or omissions from information, materials and functions included on
these web pages or any third party sites linked to or from our web pages.
Disclaimer of Liability
In no event will Bank of Lincolnwood be liable for any direct or indirect,
special, incidental, consequential, or punitive damages or lost profits
arising in connection with use of our web pages, any interruption in
availability of our web pages, delay in operation or transmission, computer
virus, loss of data, or otherwise, even if Bank of Lincolnwood has been
advised of the possibility of such damages or loss.
USA Patriot Act, Identification Program
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to obtain,
verify and record information that identifies each person who opens an
account.
What this means for you
When you open an account, we will ask for your name, address, date of birth,
and other information that will allow us to identify you. We may also ask to
see your driver’s license or other identifying documents.
In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account.
We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country.
Federal Deposit Insurance Corporation (FDIC)
Bank of Lincolnwood has been FDIC insured since March 1954. Answers to
commonly asked questions about FDIC insurance can be found in the FDIC
deposit insurance brochure “Your Insured Deposits” or by looking at the FDIC
web site: www.fdic.gov
