What does The Cowboy Bank do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Social Security number
Account balances
Payment history
Transaction history
Credit history
Account transactions
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons The Cowboy Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Do We Share?
Can you limit?
For our everyday business purposes:
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes:
to offer our products and services to you
No
We Don't Share
For joint marketing with other financial companies:
No
We Don't Share
For our affiliates' everyday business purposes:
information about your transactions and experiences
No
We Don't Share
For our affiliates' everyday business purposes:
information about your creditworthiness
How does The Cowboy Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does The Cowboy Bank collect my personal information?
We collect your personal information, for example, when you:
open an account
apply for a loan
make deposits or withdrawals from your account
make a wire transfer
show your government-issued ID
We also collect your personal information from others, such as credit card bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
sharing for affiliates' everyday business purposes—information about your creditworthiness
affiliates from using your information to market to you
sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non financial companies.
The Cowboy Bank has no Affiliates.
Non Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
The Cowboy Bank does not share with non Affiliates so they can market to you.
Joint Marketing
A formal agreement between non affiliated financial companies that together market financial products or services to you.
The Cowboy Bank does not jointly market.
Other Important Information
For Texas Customers. The The Cowboy Bank is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. The Cowboy Bank also engages in the business of selling stored value cards as an agent for TIB The Independent BankersBank, which is licensed under the laws of Texas and is subject to regulatory oversight by the Texas Department of Banking.
After first contacting The Cowboy Bank, if you still have an unresolved complaint regarding the company's stored value card activity, please direct your complaint to the Texas Department of Banking.
Any Consumer wishing to file a complaint against The Cowboy Bank should contact the Texas Department of Banking through one of the means indicated below:
We do not disclose information about former customers, except as permitted by law.
DISCLOSURES
FAIR LENDING POLICY As a commercial bank, the primary function of this institution is to make loans that are mutually beneficial to the bank, its stockholders and the banks customers. As a part of this function. it is the general purpose of the management of this bank to grant all the sound short term local loans which resources permit and opportunity affords.
This bank does not and will not practice "red-lining". That is loans will not be denied based on location in a particular area within our trade area. Rather each loan will be evaluated on sound credit factors.
It is the policy of this bank to rigorously adhere to both the letter and spirit of the laws pertaining to the extension of credit and regulation of banking. Examples of consumer laws include Truth in Lending, Fair Credit Reporting and Equal Credit Opportunity.
The bank shall not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, physical condition, handicap, familial status, developmental disability or age (provided the applicant has the capacity to contract), or because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
The bank will notify applicants of action taken on their applications; report credit history in the names of both spouses on an account; retain records of credit applications; and collect information about the applicant's race and other personal characteristics in applications for certain dwelling loans.
FAIR HOUSING ACT Equal Housing Opportunity Statement: We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or nation origin.
Equal Housing Opportunity Slogan: "Equal Housing Opportunity."
