Ohio Commerce Bank recognizes the importance
of customer privacy, while at the same time, the need to utilize information
about them to administer our business and to provide them with information
concerning our products and services. The maintenance and confidentiality of
this information is one of our highest priorities, and to ensure this
confidentiality, we have adopted the following privacy principles:
Keeping Customer Information Secure. We recognize
customers’ expectations of privacy and security regarding personal and
financial information and the need to keep that information secure. In
order to safeguard this sensitive information within our organization,
we have implemented standards and procedures designed to protect and
prevent unauthorized disclosure and/or misuse of this information. Our
information provided to us and transactions conducted on-line, including
information provided when a customer requests or signs up for and uses
any of our accounts or services, including account access and bill
paying through our on-line banking services, or when a customer sends us e-mail. See the Security page of
our website for more information about our security measures.
Retention and Use of Information. We collect, use
and retain information about customers to identify and communicate with
them, to provide them with products and services they have requested, to
help us respond to questions from customers, and to inform customers
about other financial services that may be of interest to them. We also
use this information to comply with certain laws and regulations that
may apply to us, or to an affiliate, and to help us design or improve
our products and services. We collect information about customers only
for specific purposes and, upon customer request, we will inform
customers of the reason for asking personal information.
Maintenance of Accurate Information. We have
procedures to see that client information is maintained in a
commercially reasonable manner so that it is accurate, current, and
complete. We also have procedures to see that requests to correct
inaccurate or incomplete information are acted upon in a timely manner.
We maintain security standards and procedures to help prevent
unauthorized access to confidential client information, and we regularly
review, test and update our technology and procedures to improve the
security and accuracy of such information. We investigate client
inquiries about information received from our affiliate banks (or from a
credit bureau reflecting information we have provided) that the customer
believes to be inaccurate and we take steps to correct information we
determine to be incorrect.
Limiting Employee Access to Information. Each of our
employees has the responsibility for maintaining the confidentiality of
client information. The company requires all of its employees to protect
the confidentiality of client information and to use it only for bank
purposes. We have policies and security procedures to limit employee
access to personal client information to those employees with a business
reason to know such information. Internal access and sharing of
information about customers within various service departments of the
company occurs only to the extent appropriate to evaluate, structure,
and facilitate the services that the customer has requested or to inform
the customer of other financial services that may be of interest to
him/her. We train our employees to recognize the importance of client
confidentiality, and we take appropriate disciplinary measures to
enforce employee privacy responsibilities.
Disclosure of Consumer Account Information to Others.
We collect nonpublic personal information about you from the
- Information we receive from you on applications or other forms.
- Information about your transactions with us, our affiliates, or
- Information we receive from consumer reporting agencies.
Except for California residents, we may disclose all of the information
we collect, as described within the three bullet points above, to
non-affiliated companies that perform marketing services on our behalf or to
other non-affiliated financial institutions with which we have joint
We do not disclose any other nonpublic personal information about you to
anyone else, except as permitted by law.
We restrict access to nonpublic personal information about you to our
employees who need the information to properly service your account(s), act
upon your requests, or to provide products or services to you. We maintain
physical, electronic, and procedural safeguards that comply with federal
regulations to guard your nonpublic personal information.
How - and why - information is shared. We limit who
receives information and what type of information is shared. We do not
reveal specific information about your accounts or other personally
identifiable data to parties outside our affiliated banks and companies
for their independent use unless: (1) you request or authorize it; (2)
the information is provided to help complete a transaction initiated by
you; (3) the information is provided to a reputable credit bureau or
similar information reporting agency; or (4) the disclosure otherwise is
lawfully permitted or required. We do not sell or provide account or
personal information to companies for the purpose of independent
telemarketing or direct mail marketing of any non-financial products or
services of those companies.
Electronic Mail. Messages sent by e-mail may not be
secured, may be intercepted by third parties and may not be immediately
received by the appropriate department at Ohio Commerce Bank. Please do
not use e-mail to send us communications that contain confidential
information, which we require in writing or which need our immediate
attention. Please call us instead at 216.910.0550. Be aware that
"receipt" acknowledgment on an e-mail message means only that the
message has routed into the Internet, not that the message has been
received by Ohio Commerce Bank. Urgent or confidential matters should be
addressed via phone or in person. Written authorizations should be
provided via U.S. mail or in person.
Web Site Links. The links in this web site will let
the user leave Ohio Commerce Bank’s site. The linked sites are not under
the control of Ohio Commerce Bank, and Ohio Commerce Bank IS NOT
RESPONSIBLE FOR THE CONTENT AVAILABLE ON OTHER INTERNET SITES. These
links are provided as a convenience to users. Access to any other
Internet sites linked to this web site is at the user's own risk. The
inclusion of any link does not imply a recommendation or endorsement by
Ohio Commerce Bank of the linked site.
About "cookies". Cookies are commonly used on web
sites and do not harm your system. By configuring your preferences or
options in your browser, you determine if and how a cookie will be
purpose of providing additional security to our customer. There is no
anonymous traffic data that doesn’t personally identify a customer but
is helpful for improving the customer’s experience.
apply to individuals and we reserve the right to amend them, along with
related provisions, at any time.