Rev. April 2019

FACTS: WHAT DOES HEALTHCAREBANK, A DIVISION OF BELL BANK, 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 account balances

payment history and transaction history

account transactions and checking account information

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 HealthcareBank, a division of Bell Bank, chooses to share; and whether you can limit this sharing.


 

Reasons we can share your personal information

 

Does HealthcareBank, a division of Bell Bank, 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 investiga- tions, 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 don’t share

 

For our affiliates’ everyday business purposes—

information about your transactions and experiences

 

No

 

We don’t share

 

For our affiliates’ everyday business purposes—

information about your creditworthiness

 

No

 

We don’t share

 

For nonaffiliates to market to you

 

No

 

We don’t share


Call toll free 1-866-442-2472 option 1.


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Who is providing this notice?

HealthcareBank, a division of Bell Bank

What we do

How does HealthcareBank, a division of Bell Bank, 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.

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 HealthcareBank, a division of Bell Bank collect my personal information?

We collect your personal information, for example, when you

open an account or apply for a loan

make deposits or withdrawals from your account

use your credit or debit card

seek advice about your investments

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 laws 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.

Our affiliates include financial companies such as State Bankshares, Inc. and Bell Insurance Services, LLC.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

HealthcareBank, a division of Bell Bank, 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.

HealthcareBank, a division of Bell Bank, doesn’t jointly market.