Privacy Policy

Privacy Policy

Protecting your privacy is important to Liberty Bank and our employees. We want you to understand what information we collect and how we use it. We welcome this opportunity to describe our privacy policies and the steps we take to protect your customer information.

Our Pledge to You:

	We are committed to protecting your privacy at all times.
	We are committed to bringing you the services you need to succeed financially. If we do not offer a financial service we may establish a referral program with outside companies for purposes of providing you services. We do not share customer information with these companies unless you give us permission.
	We do not share medical information provided as part of insurance applications, except for the purposes you have authorized.

Definition of Nonpublic Personal Information:

“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 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, such as your name and address;
	Information about your transactions with us or others such as your account balance and payment history; and
	Information we receive from consumer reporting agencies and other third parties such as your credit worthiness and credit history.

What Information We Disclose:

We may disclose all of the information described above to companies that perform marketing services on our behalf.

We are permitted under law to disclose “nonpublic personal information” about you to other third parties in certain circumstances.

	Where it is necessary to complete a transaction initiated by you.
	In order to report the existence and condition of an account to companies such as reputable credit bureaus or merchants
	In order to comply with government or court orders.

We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices in this notice.

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. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your “nonpublic personal information.”

Texas Consumer Complaint Process:

The Liberty 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 the Liberty Bank should contact the Texas Department of Banking through one of the means indicated below.

In Person or U.S. Mail:
2601 North Lamar Boulevard, Suite 300,
Austin, Texas 78705-4294
Telephone No.: 877-276-5554
Fax No.: 512-475-1313
Email: consumer.complaints@banking.state.tx.us
Website: www.banking.state.tx.us

Contact us if you have any questions regarding our privacy policy.

Complaints regarding the sale of checks:
After first contacting Liberty Bank, if you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to:

Texas Department of Banking
2601 North Lamar Boulevard
Austin, Texas 78705
1-877-276-5554 (toll free)
www.banking.state.tx.us.