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Recognition of a Customer's Expectation of Privacy
You regard your personal information as yours, and so do we. Because we do not sell or share your information with third parties not associated with services or activities of J.W. Terrill (except as allowed by law), there is no need for you to tell us not to share your private information.
Collection, Retention, and Use of Customer Information
We collect and use various types of information to service your accounts, save you time and money, and better understand your needs. We do so in order to help you learn more about the products and services that may be of interest to you.
We collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates or others; and
• Information we receive from a consumer reporting agency.
Security Standards
We maintain physical, electronic and procedural safeguards to protect the integrity and confidentiality of your information. J.W. Terrill also limits access to your nonpublic personal information to those employees who need to know that information in order to provide products and services to you. All our employees are trained to understand and comply with these information principles.
Maintenance of Accurate Information
J.W. Terrill has implemented internal controls and procedures designed to maintain accurate records concerning your personal information. Should you ever believe that our records contain inaccurate, incomplete or noncurrent information about you, please notify us. We will respond to requests to correct the information in a timely manner.
Disclosure of Information to Nonaffiliated Third Parties
We do not disclose any nonpublic personal information about our customers or former customers to nonaffiliated third parties, except as permitted by law or as described below.
Service Providers and Joint Marketing Agreements
We may disclose all of the information we collect, as described under the heading "Collection, Retention, and Use of Customer Information," to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements.
Sharing as Required by Law
We may disclose information to nonaffiliated third parties as allowed by law. For example, this may include a disclosure in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds or trust and mortgages in public records, an audit or examination, or the sale of your account to another financial institution. We may also share information:
• If you initiate a request for us to share information with an outside party; or
• If the information is provided to help complete a customer-initiated transaction.
- Sharing Information within J.W. Terrill
As permitted by law, we may share information about our experiences or transactions with you or your account, such as account balance, payment history and services purchased, among our J.W. Terrill family of companies. The J.W. Terrill family of companies consists of financial service providers, and the number of companies may change from time to time. There are no nonfinancial companies, or other organizations within the J.W. Terrill family of companies, with whom we share information.
For example, we may share information in order to:
• Provide customer service or account maintenance; or
• Tell you about other products or services offered by J.W. Terrill that we believe you will find useful.
We do not share among our affiliates other information you have given us in connection with an application for one of our products or services, or information we have received from a consumer reporting agency or other third party. You will be notified if we intend to do so and be given the opportunity to prevent such sharing.
Protecting what's yours.
Personal. Confidential. Private. You share information about yourself in the highest expectation that every fact and figure will remain safe, secure, in your control — and well you should. You own your information as surely as you own a home, a car or the money in your bank account.
Be assured J.W. Terrill regards it exactly the same way.
Because you've trusted us to help you reach life's goals, we want you to be an informed partner. We want you to know in detail our daily practices for protecting what's yours.
What does this Privacy Policy cover?
Our concern for safekeeping your personal information goes far beyond this brochure. Our Privacy Policy covers the practices of all affiliates within the J.W. Terrill family* — including our insurance, investment and financial planning companies. It applies to the nonpublic personal information of our customers and former customers. This Privacy Policy also serves as our Policy notice.
Rev. 04/07
Copyright © 2009 J.W. Terrill All Rights Reserved
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