Privacy Statement

 

Notice of Your Financial Privacy Rights

Farmers & Merchants Bank is strongly committed to maintaining customer information according to strict security and confidentiality standards. We will limit the use and collection of information about our web site visitors to what is necessary to administer our business, provide the best service and create reports to determine the level of interest in information offered through our site.

 

Visitor Information collected when our web site is accessed includes:

 

• The date and time the request was received
• Your Internet Protocol address or the proxy address of your Internet Service Provider
• The resource, such as web page, image and links accessed by you
• Web browser used to access the site

City, state and country where the originator of access is located

 

 

Other than the automatic collection of the data mentioned above, this web site collects no personal identity information. The only exception is when you knowingly and voluntarily elect to send information to us through e-mail.

 

Extreme care should be taken when sending sensitive, confidential information by e-mail.

 

Electronic mail is not necessarily secure.

 

This bank has made all efforts to ensure that the information contained herein is accurate: however, the bank can not be held liable for any errors.

 

This bank will not be held liable for damage done to a user's computer, such as a virus being downloaded from a link or site accessed through our web site. Access to the "Links" in various sections of the bank's web site is strictly the decision of the user. These sites are not maintained by this bank, therefore the bank is not responsible for the information provided in these sites.

 

Opening of an account is not available on line as we encourage our customers to come into any of our banking offices to receive personal service provided by our bank employees.

 

Privacy Notice

 

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

 

All of our consumer customers who have a continuing relationship with us, such as:

 

• Deposit account
• Loan account
• Credit card
• Safe deposit box
• Retail installment contract we hold and service
• Self-directed Individual Retirement Account where we act as custodian or trustee
• Visa Check Card

 

All persons (individuals) who do not have a continuing relationship with us but who may use a financial product or service we provide in isolated transactions. This includes, for example, someone who

 

• Uses our ATM machines
• Purchases traveler’s checks or money orders
• Applies for a loan that does not get completed or approved
• Deposit applicants that are not completed

 

We will tell you the sources for non-public personal information we collect on our customers. We will tell you what measures we take to secure that information.

 

We first define some terms. We, our, and us means Farmers & Merchants Bank.

 

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

 

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

 

A non-affiliated third party is a company that is not an affiliate of ours.

 

The Information We Collect

 

We collect non-public personal information about you from the following sources:

 

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with non-affiliated third parties
• Information from a consumer reporting agency

 

 

We do not disclose any non-public personal information about you to anyone, except as authorized by law.

 

The Confidentiality, Security, and Integrity of Your Non-Public Personal Information

 

We restrict access to non-public 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 regulations to guard your non-public personal information.

 

Non-Public Personal Information and Non-Affiliated Third Parties

 

Since we value our customer relationship with you, we will not disclose your non-public personal information to non-affiliated third parties, except as permitted by law.

 

Non-Public Personal Information and Former Customers

 

We do not disclose non-public personal information about former customers.

 

External 3rd Party Links  

 

Our website may include links to other 3rd party web sites.  These links to external 3rd parties are offered as a courtesy and a convenience to our customers.  When you visit these sites, you will leave our website and will be redirected to another site.

 

This Institution does not control linked 3rd party web sites.  We are not an agent for these third parties nor do we endorse or guarantee their products.  We make no representation or warranty regarding the accuracy of the information contained in linked sites.  We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely.

 

If you have questions or concerns about the privacy policies and practices of linked 3rd parties, please review their websites and contact them directly. This privacy policy applies solely to the Customer Information collected by this Institution.