What Information We Collect
We may collect “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; and
- Information we receive from third parties such as credit bureaus.
“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, payment
history, and overdraft history.
What Information We Disclose
We are permitted under law to share information about our experiences or transactions
with you or your account (such as your account balance and your payment history with
us) with companies related to us by common control or ownership (“affiliates”).
We also are permitted under law to disclose nonpublic personal information about you to “nonaffiliated third parties” (third parties that are not members of our corporate family)
in certain circumstances. For example, we may disclose nonpublic personal information
about you to such third parties to assist us in servicing your loan or account with us; to
government entities in response to subpoenas; and to credit bureaus. In addition, we
may disclose nonpublic personal information we collect to: service providers, such as
companies that perform mailing services; and unaffiliated financial institutions with whom we have joint marketing agreements. We do not disclose any nonpublic personal
information about you to any other third parties, except as permitted by law.
SOUTHSIDE BANK DOES NOT SELL CUSTOMER INFORMATION.
Any information transmitted to us through our internet site is protected by a data
security system know as “SECURE SOCKET LAYER” (SSL). SSL is designed to insure that transmitted information is encrypted and protected at all times. To provide better service and a more effective website, we may use “cookies” (cookies are messages a website sends to a web browser) as part of our interaction with your browser. These cookies do not collect personally identifiable information. You may disallow cookies by making the appropriate selection from your browser options. You should understand, however, that certain services provided by our bank require cookies for effective delivery.
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 statement.
Our Security Procedures
We also 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.
Regulatory Oversight
Southside Bank is chartered under the laws of the State of Texas and by state law is
subject to regulatory oversight by the Texas Department of Banking. Any consumer
wishing to file a complaint against Southside Bank should contact the Texas Department of Banking.
Southside Bank also engages in the business of selling checks as an agent for a company licensed under the laws of the State of Texas and subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint concerning sale of checks activities should contact the Texas Department of Banking.
Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:
In person or U. S. mail: Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, TX 78705-4294
Telephone Number: 1-877-276-5554 (toll free)
Fax Number: 512-475-1313
E-mail address: consumer.complaints@banking.state.tx.us
Website address: www.banking.state.tx.us
Fair Credit Reporting Act, Consumer Rights
You have a right, under the Fair Credit Reporting Act, to dispute any information we have provided a credit reporting agency concerning your account relationship with Southside Bank. If you wish to dispute any such information, please address your written response to the following address:
Southside Bank
Credit Department
1201 South Beckham
Tyler, Texas 75701
In your written response to Southside Bank, please provide as much detailed information as you can regarding the specific information we have reported that you dispute. Include a copy of any documentation that would help us determine if your dispute about the accuracy and completeness of our information is incorrect.
We will advise you, in writing, on the results of our research within 30 days of receiving
your letter. If within our 30 day research period you provide us additional information, we
may take up to 45 days to research your dispute. If we hear nothing further for 30 days
after we have responded to your letter, we will consider your dispute satisfied.
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