Privacy Notice

This privacy policy covers your nonpublic personal information, which means the personally identifiable financial information (1) you provided to PenChecks Trust Company of America, (2) resulting from any transaction between you and PenChecks Trust Company of America, or (3) otherwise obtained about you In connection with providing you with services.

This privacy notice is provided in accordance with the Securities and Exchange Commission's rule regarding the Privacy of Consumer Financial Information ("Regulation S-P"). Please take the time to read and understand the privacy policy that we have implemented to safeguard your nonpublic personal information.1

Information We Collect

We collect certain nonpublic personal information about our customers to ensure that we offer the highest quality financial and administrative services. The nonpublic personal information we gather during the normal course of doing business with you may include

  • Information we receive from other institutions, third party administrators, actuaries or employers on applications or other forms; Information about your activities and transactions with us, our affiliates, or others.

Information We Disclose

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. In accordance with Section 248.13 of Regulation S-P, we may disclose all of the Information We Collect, as described above, to certain nonaffiliated third parties such as attorneys, accountants, auditors, third party administrators, actuaries and persons or entities that are assessing our compliance with industry standards. We enter into contractual agreements with all nonaffiliated third parties that prohibit such third parties from disclosing or using the information other than to carry out the purposes for which we disclose the information.

Confidentiality and Security

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

1 Nonpublic personal information means personally identifiable financial information and any list, description or other grouping of consumers that is derived using any personally identifiable financial information that is not publicly available.