Privacy Policy

United Bank of Union's Privacy Policy

What Does United Bank of Union Do With Your Personal Information?

Rev. Date 11/13

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 Email Address 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 United Bank of Union chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does United Bank of Union Share?	Can You Limit This Sharing?
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	Yes	No
For joint marketing with other financial companies	No	We Do Not Share
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We Do Not Share
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We Do Not Share
For non-affiliates to market to you	No	We Do Not Share

Questions?
Please call us at (636)-583-2555 or visit us online at www.ubu.bank.

Who We Are & What We Do
Who is providing this notice?	United Bank of Union 15 E Main St, Union MO 63084
How does United Bank of Union protect my 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, secured files, and buildings. We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does United Bank of Union collect my information?	We collect your personal information, for example, when you: Open an account or deposit Use your credit or debit card Apply for a loan Provide employment information Give us your contact information 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 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. United Bank of Union does not share with affiliates.
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. United Bank of Union 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. United Bank of Union does not jointly market.