Privacy Policy
What does Commonwealth Bank & Trust Company, Inc. 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 and overdraft history
- Account balances and transaction history
- Credit history and credit scores
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 all the reasons financial companies can share their customers’ personal information, the reasons Commonwealth Bank & Trust Company chooses to share, and whether you can limit this sharing.
| Reasons we can share your personal information | Does Commonwealth Bank share? | Can you limit sharing? |
|---|---|---|
| For our everyday business purposes — 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 | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes — information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes — information about your creditworthiness | No | We do not share |
| For our affiliates to market to you | No | We do not share |
| For our nonaffiliates to market to you | No | We do not share |
QUESTIONS?
Commonwealth Bank & Trust Company
Attention: Compliance Officer
4912 U.S. Highway 42
Louisville, KY 40222
Jefferson County: 502.259.2000
Shelby County: 502.633.1000
Northern Kentucky: 859.746.9000
Email
[email protected]
(please do not include confidential information in any email message)
Who We Are
Who is providing this notice?
Commonwealth Bank & Trust Company.
What We Do
How does Commonwealth Bank & Trust Company 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 including physical, electronic, and procedural safeguards.
How does Commonwealth Bank & Trust Company collect my personal information?
We collect your personal information, for example, when you:
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
We also collect your personal information from others, such as credit 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 nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates – Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Bank may only share protected information with affiliates as authorized under 1016.14 and 1016.15.
Nonaffiliates – Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Commonwealth Bank & Trust Company does not share with nonaffiliates so they can market to you.
Joint marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies.
*Revised September 2014