Community South, A better way to bank

Privacy & Security

Privacy Policy Notice

THIS NOTICE APPLIES ONLY TO CONSUMER ACCOUNTS

As a valued customer of Community South, protecting your privacy is important to the management and employees of this financial institution. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Community South employees for collection, use, retention, and security of nonpublic personal information.

What Information We Collect

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

  • Information we receive from you on applications or other loan and account forms;
  • Information about your transactions with us or others; and
  • Information we receive from third parties such as credit bureaus.
  • "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history, information such as your income, net worth, Social Security number and address.

What Information We Disclose

We are permitted under law to disclose nonpublic personal information about you to third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan or account with us, for example our data processor; to effect, administer, or complete a transaction that you have initiated, for example, to an attorney who is closing your loan; to government entities in response to subpoenas; and to credit bureaus. We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.

We may also disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements, for example, to provide accounts with additional benefits such as club accounts.

We do not sell or provide personal or account information to telemarketers or other companies to use for marketing of their products or services.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal and account information 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.

Further Information

For further information, you may call Community South at 731-847-6316. Thank you.

Internet Banking

Security Statement

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity

To begin a session with the bank's server the user must key in a Log-in ID, update for multi-factor authentication and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lockout mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that user.

Secure Data Transfer

Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. Using the above technologies, your Internet banking transactions are secure.

Lost or Stolen Debit Card

You can report your debit card lost or stolen by calling 1-800-383-8000.

Do Not Call Policy

Community South is committed to honoring the requests of its current and prospective customers. In support of this commitment and pursuant to regulations set forth by the Federal Communications Commission ("FCC"), the Bank's Board of Directors has adopted the following policy. This policy statement is being provided to our customers.

Community South maintains a record of the name and contact telephone number for consumers who do not wish to be called. If you do not wish to receive sales calls from Community South, you can ask us to place your telephone number on our "Do Not Call" list by completing this form. You may mail the form to Marketing, 68 West Main Street, Parsons, TN 38363. Please allow up to 30 days for your telephone number to be removed from any sales programs that are currently underway.

  • Your request can be in writing or by phone, and must include at a minimum, your telephone number and name. If you call, please call 731-847-1646
  • If you have multiple phone numbers, tell us all numbers that you want to be included.

Any email communication to you confirming receipt of your "do-not-call" request will not be deemed to have violated this policy.

  • Our "do-not-call" records are maintained for at least five (5) years, so those consumers will not be burdened with periodic calls to renew a "do-not-call" request.
  • When a request is received from a consumer not to receive telemarketing and/or telephone solicitation calls from the Bank, necessary steps are taken to make a record of the request, which includes the consumer's name and telephone number. The bank will honor a consumer's "do-not-call" request within a reasonable time from the date that such a request is made. As telemarketing and/or telephone solicitation may already be in progress at the time of a consumer's request, processing such a request may take up to thirty (30) days from the date of the consumer's initial request. For the purpose of this policy, the term "telemarketing" means the initiation of a telephone call or message for the purpose of encouraging the purchase and/or rental of, or investment in, property, goods, or services, which are transmitted to any consumer by the Bank and its subsidiaries. Communications that do not apply are calls or messages:
    • i. (i) to any person with that person's prior express invitation or permission; or

    • ii. (ii) to any person with whom the caller has an established business relationship.

  • When we solicit prospective customers, we also honor "Do Not Call" requests on behalf of consumers listed on the National Do Not Call Registry maintained by the Federal Trade Commission and the Tennessee Do-Not-Call list. Many states’ “Do Not Call” regulations permit companies to contact their own customers even though they are on these "Do Not Call" lists. Therefore, if you are a customer, you may be contacted by us even though you are on the state or the national "do not call" list. If you do not want to be contacted by Community South even though you are a customer, simply follow the steps above to be placed on the Community South "Do Not Call" list and your request will be honored.
  • Being listed on the Community South "Do Not Call" list means that you won't receive any sales calls from anyone representing Community South. We may still contact you, however, for non-solicitation purposes. This would include things like surveys, billing or other service-related matters.
  • Any personnel involved with telemarketing and/or telephone solicitation with the Bank are trained, informed, and directed to comply with the Bank's "Do-Not-Call" policy.
  • Consumers must inform the Bank of any changes in name or phone number if they move or wish to place a new telephone number on the Bank's "Do-Not-Call" list.
  • This policy does not cover independent third parties, who may, on their own initiative, conduct telemarketing and/or telephone solicitation to solicit consumers for the Bank's products or services.
  • This policy does not apply to business customers or business prospects or to Community South's Small Business Lending Division.
  • If a consumer requests a copy of our "Do Not Call" policy, we will send a copy via U.S. Mail or electronic mail. The "Do Not Call" policy is also posted on the Community South website http://www.communitysouth.com/.

    • The Bank intends to comply with all federal and state do-not-call laws and regulations. If you have any questions or comments regarding the Bank's "Do-Not-Call" policy, you may also contact:

    The Community South Marketing Department

    731-847-1646 or via email at: donotcall@communitysouth.com

    Approved by the Community South Board of Directors: January 30, 2008

    Unlawful Internet Gambling Enforcement Act (UIGEA)/Regulation GGy

    The Unlawful Internet Gambling Enforcement Act (UIGEA), signed into law in 2006 (mandatory effective date of June 1, 2010, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. The Department of the Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act. As defined in Regulation GG, unlawful Internet gambling means to "place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in which the bet or wager is initiated, received or otherwise made".

    As a customer of Community South Bank, restricted transactions are prohibited from being processed through your account or banking relationship with us if your account is considered a commercial account. Commercial accounts are defined as any account that is not a consumer customer. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. Banks are required to block unlawful Internet gambling debit and credit card transactions.

    Please contact our Compliance Department at 731-847-6316 if you would like additional information on UIGEA.

    © 2008-2010 Community South. Links to third-party websites are provided solely as a convenience to you. Community South has not reviewed all of these third-party sites and does not control and is not responsible for any of these sites or their content. Thus, Community South does not make any representations about them, or any information, software or other products or materials found there, or any results that may be obtained from using them. If you decide to access any third-party websites, you do this entirely at your own risk.

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