Privacy

United Legacy Bank cares about you and places a high priority on protecting the privacy of your financial information. We take a wide variety of precautionary measures throughout the bank to safeguard the confidentiality of your personal and financial information.

Our customers depend on us not only to safeguard their assets, but to safeguard the personal information collected and maintained about them, as much we do not share information except as permitted by law.

“Cookies” are commonly used to determine if you have previously visited a web-site and to track areas of the site that were visited. Cookies do not contain personally identifiable information. We may use cookies to help evaluate our web-site and for administrative purposes.

But above all, we want you to know that we do not sell any of your personal information to anyone, nor do we allow any third party we do business with to sell this information.

Please read the following for details.

INFORMATION WE COLLECT ABOUT YOU
We collect information necessary to deliver quality products and services to our customers.

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms.
Information about your transactions with us, our affiliates, or others.
In formation we receive from a consumer reporting agency.

CATEGORIES OF NONPUBLIC PERSONAL INFORMATION WE MAY DISCLOSE

We do not disclose any personal information about our customers or former customers to anyone except as permitted by law. This includes sharing as follows:

To provide you with products and services
To comply with reporting and other legal requirements

We may disclose the following kinds of nonpublic personal information about you:

Information we receive from you on applications or others forms, such as your name, address, phone number, social security number, assets, and income.
Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage.
Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.

The examples set out above are illustrative of the occasions we may disclose categories of non public information. These examples are not intended to describe every situation in which we may provide customer information to a third party or affiliate.

CATEGORIES OF AFFILIATED AND NON-AFFILIATED THIRD PARTIES TO WHOM WE MAY DISCLOSE

United Legacy Bank may provide information to third parties that are affiliates and to third parties that are not affiliates. United Legacy Bank is owned by Riverside Central Florida Banking Company, which is an affiliate. Categories of non affiliate third parties may include:

Third parties used to verify the accuracy of information that a customer provides to us
Third parties that we are assisting the customer to obtain financing
Third parties used to assist us in servicing a customer’s account
Parties who have accepted or have been asked to accept a check drawn by a customer on an account with us
To government entities in response to subpoenas
To credit bureaus regarding a customer account with us
To non-affiliated third parties as permitted by law

DISCLOSURE OF INFORMATION ABOUT FORMER CUSTOMERS

If you terminate your relationship with United Legacy Bank, we will not share information we have collected about you, except as may be permitted or required by law.

CONFIDENTIALITY & SECURITY

We restrict access to nonpublic 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 standards to guard your nonpublic personal information.

ANNUAL MAILING AND UPDATE

We will provide notice of your Privacy Policy annually, as long as you maintain an ongoing relationship with us. You may receive more than one copy of the Privacy Policy.