Financial institutions must make choices about how they share customer personal information. Federal law provides consumers with rights to limit certain types of sharing, though not all sharing can be restricted. Federal law also mandates that we inform you about our collection, sharing, and protection practices for your personal information. We encourage you to read this notice thoroughly to understand our policies and procedures.
The categories of personal information we collect and share vary based on the products and services you maintain with us. This information may include:
After you close your account or terminate your relationship with Spring Valley Bank, we continue to handle your information according to the practices described in this notice.
Every financial institution must share customer personal information to conduct routine business operations. The table below outlines the reasons financial companies may share customer personal information, indicates which reasons apply to Spring Valley Bank, and shows whether you can limit that sharing.
| Reasons for Sharing Personal Information | Does Spring Valley Bank Share? | Can You Limit This Sharing? |
|---|---|---|
| For our everyday business purposes This includes processing your transactions, maintaining your accounts, responding to court orders and legal investigations, and reporting to credit bureaus |
Yes | No |
| For our marketing purposes To present our products and services to you |
Yes | No |
| For joint marketing with other financial companies | No | We don’t share for this purpose |
| For our affiliates’ everyday business purposes Information about your transactions and experiences |
No | We don’t share for this purpose |
| For our affiliates’ everyday business purposes Information about your creditworthiness |
No | We don’t share for this purpose |
| For non-affiliates to market to you | No | We don’t share for this purpose |
We protect your personal information from unauthorized access and use through security measures that meet or exceed federal law requirements. Our safeguards include advanced computer security systems, encrypted data storage and transmission, secure physical facilities with restricted access, and comprehensive employee training on privacy and security protocols.
We collect your personal information through various means, including when you:
We also collect information about you from external sources including credit bureaus, affiliates, and other companies that provide services to us or on our behalf.
Federal law grants you the right to limit only:
State laws and individual financial institutions may provide additional rights to limit information sharing. Please contact us if you have questions about your specific rights regarding information sharing.
Definition: Companies related by common ownership or control. These can include both financial and non-financial companies.
Spring Valley Bank’s Policy: Spring Valley Bank does not share your personal information with affiliates for marketing purposes or for their everyday business purposes related to your creditworthiness.
Definition: Companies not related by common ownership or control. These can include both financial and non-financial companies.
Spring Valley Bank’s Policy: Spring Valley Bank does not share your personal information with non-affiliates for the purpose of marketing their products or services to you.
Definition: A formal agreement between non-affiliated financial companies to jointly market financial products or services to customers.
Spring Valley Bank’s Policy: Spring Valley Bank does not engage in joint marketing arrangements with other financial companies.
You have the right to access the personal information we maintain about you. To request access or to ask questions about our privacy practices, please contact us at:
Phone: 513.761.6688
Email: info@springvalleybank.com
Mail: Spring Valley Bank Privacy Department, [Address]
We strive to maintain accurate and complete records. If you believe any information we have about you is incorrect or incomplete, please notify us immediately, and we will investigate and make appropriate corrections.
When you use our online or mobile banking services, we employ encryption technology and secure authentication processes to protect your information during transmission and storage. We regularly update our security measures to address emerging threats and vulnerabilities.
Spring Valley Bank does not knowingly collect personal information from children under 13 without parental consent. Our websites and online services are not directed to children under 13, and we do not knowingly market to children.
We reserve the right to modify this privacy policy at any time. We will provide notice of material changes as required by law. The revision date at the top of this notice indicates when this policy was last updated. We encourage you to review this policy periodically to stay informed about how we protect your information.
California residents may have additional privacy rights under the California Consumer Privacy Act (CCPA). For information about these rights and how to exercise them, please contact our Privacy Department using the contact information provided above.
Vermont law provides additional privacy protections for Vermont residents. We will not share information about your creditworthiness with our affiliates, and we will not share information about your transactions and experiences with non-affiliates to market to you, unless you provide authorization.
Nevada residents have the right to opt out of the sale of certain covered information that a financial institution has collected or will collect. While Spring Valley Bank does not sell your personal information, if you are a Nevada resident and would like more information about this right, please contact us at info@springvalleybank.com.
We may share your information with third-party service providers who perform services on our behalf, such as data processing, marketing services, or technology support. These service providers are contractually obligated to protect your information and may only use it for the purposes we specify.
We may disclose your information when required by law, regulation, or legal process, or when we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to government requests.
If Spring Valley Bank is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will provide notice before your information becomes subject to a different privacy policy.
Our websites and mobile applications may use cookies, web beacons, and similar technologies to enhance your experience, analyze usage patterns, and deliver personalized content. You can control cookie settings through your browser, though disabling cookies may limit certain website functionality.
If you have questions about this privacy policy or concerns about how we handle your personal information, please don’t hesitate to contact us:
Customer Service: 513.761.6688
Email:
info@springvalleybank.com
We value your trust and remain committed to protecting your privacy and maintaining the security of your personal information.
Spring Valley Bank | Member FDIC | Equal Housing Lender
