Privacy Policy

Facts

What does Bank of Oak Ridge 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 score

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 Bank of Oak Ridge chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Bank of Oak Ridge 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	No
For joint marketing with other financial companies	No	No
For our affiliates’ everyday business purposes information about your transactions and experiences	No	No
For our affiliates’ everyday business purposes information about your creditworthiness	No	No
For our affiliates to market to you	No	No
For our nonaffiliates to market to you	No	No

How does Bank of Oak Ridge 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 Bank of Oak Ridge collect my personal information? We collect your personal information, for example, when you:

• Open an account or deposit money
• 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 you additional rights to limit sharing. See below for more on your rights under state law.

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Bank of Oak Ridge has no affiliates.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Bank of Oak Ridge does not share with nonaffiliates so they can market to you.

Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Bank of Oak Ridge does not jointly market.