Privacy Policy Notice

Your online privacy is important to Council Bluffs Savings Bank. Carroll County State Bank and Council Bluffs Savings Bank (a division of Carroll County State Bank) treat customer relationships with great care. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals.

Protection of Information

We restrict access to nonpublic personal information about you 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.

What Information We Collect

We may collect, retain, and use “nonpublic personal information” about you from the following sources:
• Information we receive from you on applications or other loan and account forms;
• Information about your transactions with us, our affiliates or others;
• Information we receive from third parties such as credit bureaus; and
• Information we receive from visitors to our web site

“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, transaction history, payment or credit history, and overdraft history. It may also include information we collect at the time of loan application or account opening such as Social Security number, assets and income.

Customer Information We Disclose

We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic personal information about you to non-affiliated third parties, except as permitted by law.

In addition, we may disclose all of the information we collect, as described above in the section “What Information We Collect,” to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Website and Children’s Privacy

Our website is directed to a general audience. We do not knowingly solicit or collect information from children on our site. Visitors may elect to provide us with personal information via E-mail, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our Website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before. Visitors to this bank Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

• Date and time our site was accessed
• IP address (A numeric address given to servers connected to the Internet)
• Web browser used
• City, state, and country
• The Bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Questions and/or Concerns?
In order for the Bank to provide you with the maximum benefits and services, we request that you keep your information as up-to-date as possible. If you ever have questions or concerns regarding the accuracy of your personal information at the Bank, please contact us at (712) 322-1700 or (712)-322-3300. We will investigate your concerns and make any changes as needed.