Privacy Policy

As our loyal customer you provide us with very important information about yourself. We believe it is our responsibility to safeguard your personal and financial information and maintain its confidentiality.

While some financial institutions share account owner information with other businesses, we are committed to keeping it confidential.

We have developed the following privacy policy to ensure you the confidentiality you deserve. You have our promise that we will adhere to these guidelines. It is our pledge to you.

Your Financial Privacy Rights

We, our and us when used in this notice means Peoples Bank of Wisconsin. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):

     Deposit account

     Loan account

     Safe deposit box

     Retail installment contract we hold and service

     Self-directed Individual Retirement Account

     Home Mortgage brokerage

     Telephone banking

     Internet banking

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

Definitions of Commonly Used Terms

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

Opt-out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

The Information We Collect

We collect information about you from the following sources:

     Information you give us on applications or other forms

     Information about your transactions with us

     Information about your transactions with our affiliates

     Information about your transactions with other parties

     Information from a consumer reporting agency

     Information we receive as a result of verifying customer information

The Confidentiality, Security and Integrity of Information

We restrict access to 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 to protect this information.

Your Information and Our Affiliates

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

Transaction and experience information from our account records.

     Information about your transactions and experience with us, such as:

        Name

        Address

        Account balances

        Account activity

        Types of accounts

        Parties to the transaction

        Payment history

        Deposit history

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Other information not taken from transactions and experience.

     Information you give us on an application or other forms, such as:

        Social Security Number

        Assets

        Income

        Age

        Beneficiaries

     Information we receive from a credit reporting agency, such as:

        Creditworthiness

        Credit history

     Information from other affiliates of ours, such as:

        Credit history

You may opt out of the disclosure of the information listed above.

Types of Affiliates

We may disclose information about you to financial services providers, such as bankers.

Reasons for Disclosure

We may disclose information about you to our affiliates to provide you with information about additional products and services.

Your Information and Other Parties

We will not disclose information about you to anyone, except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

Information about Former Customers

We do not disclose information about former customers, except as permitted by law.

Web Privacy

We understand the importance of maintaining customer security on our website. Unless, the information is provided by you through the use of the "Contact Us" form and the associated email, you do not reveal any personal information simply by visiting the bank website, viewing various pages, and using the financial calculators. Any information provided by you through use of the "Contact Us" feature will be used only to answer the request and will not be given or sold to any other organization. We may, however, collect tracking activity information, to analyze the use of our sites and which pages and features are most popular. The information that may be collected and stored includes:

     The name of the customer's Internet service provider (ISP)

     The website that referred you to us (if any)

     The date and time various pages were accessed

     The page or pages you requested

Children's Privacy

Protecting the privacy of our children is more critical today than ever. For that reason, our website is not structured to attract children under the age of 13. Parental consent is required for children under 13 to provide personally identifiable information via our website.

Your Right to Block the Disclosure of Your Information

Affiliates. We are permitted to disclose information about our transactions or experiences with you to affiliates. You do not have the right to opt out of the disclosure of this particular type of information. We may also disclose other information to our affiliates (that is, information beyond our transactions and experiences with you), unless you tell us to not disclose this other information.

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. Remember, though, that your opt out will not apply to information we share that is related to your actual transaction and experience with one of us, which we make available to our affiliates. If you have obtained one or more products or services jointly, an opt out instruction by one party is effective for all information we have collected about all joint parties. If one of you chooses to opt out, no information about any of the joint parties will be shared. If you wish to opt out of the disclosure of your information, you may do so by calling this toll free number: 1-800-575-8528.