Privacy Policy

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The policy of Family Financial, Inc. is that the financial records of our customers and the relationships between Family Financial, Inc. and our customers are confidential, and that the safekeeping of customer information is a priority. 

We collect, retain, and use information about our customers when we reasonably believe that it will help administer our business or provide products, services, and other 

opportunities for them. We collect and retain information about our customers only for specific business purposes - unless prohibited by law from doing so. We use information to comply with certain laws and regulations, help us design or improve our products and services, and to understand our customers’ financial needs so that we can provide our customers with quality products and superior service. Privacy Notices are provided as required by applicable state and federal laws. 

Family Financial, Inc. will not reveal confidential customer information to third parties except in the following instances:

• The information is provided to any affiliate of Family Financial, Inc. that may now exist or hereafter be established.
• As necessary to effect, administer, or enforce a transaction requested or authorized by the consumer.
• To service or process a financial product or service requested or authorized by the consumer.
• To protect the confidentiality or security of our customers’ records pertaining to the consumer, service, product, or transaction.
• To protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability.
• For required institutional risk control or for resolving consumer disputes or inquiries.
• To persons holding a legal or beneficial interest relating to the consumer or to persons acting in a fiduciary or representative capacity on behalf of the consumer.
• To provide information to insurance rate advisory organizations, guarantee funds or agencies, agencies that are rating our customers, people that are assessing our customers’ compliance with industry standards.
• To the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 (to law enforcement agencies -including government regulators).
• To a consumer reporting agency in accordance with the Fair Credit Reporting Act.
• In connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit.
• To comply with Federal, State, or local laws, rules, and other applicable legal requirements.
• To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, State, or local authorities; or
• To respond to judicial processes or government regulatory authorities having jurisdiction over our customers for examination, compliance or other purposes as authorized by law.
• We do not provide account or personal information to unaffiliated third parties for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies. 

Access to Information 

Family Financial, Inc. will maintain appropriate security standards and procedures regarding unauthorized access to customer information (additional details are in our 

Cybersecurity/Information Security Policy). Employee/contractor’s access to personally identifiable information will be limited to those with a business reason for knowing such information. If personally identifiable customer information is provided to a third party, 

Family Financial, Inc. will share information only as necessary to provide products and services to our customers, and only to third parties who adhere to similar privacy principles that provide for keeping such information confidential. 

Customer Confidential Information

Family Financial, Inc. employees/contractors are entrusted with information regarding our customers' personal financial affairs. This information is strictly confidential, as is every transaction between Family Financial, Inc. and our customers. Company records, communications, and proprietary information must also be treated in a confidential manner.

Cybersecurity/Information Security Policy

This Cybersecurity/Information Security Policy is implemented pursuant to FTC 

regulations at 16 CFR Part 314, to protect the confidentiality of consumer non-public information. This policy applies to all consumer non-public information obtained by the company while serving consumers and customers of the company.

Non-public Personal Information is any data or information considered to be personal in nature and not subject to public availability.

Personal information includes, but is not limited to:

• Individual names
• Social Security Numbers
• Credit or debit card numbers
• State identification card numbers
• Driver’s license numbers
• Asset information
• Credit/liability information
• Income information

Personal information does not include publicly available information that is lawfully made available to the public from federal, state, or local government records.