Privacy Policy


You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.


We work diligently to safeguard the information you give to us and we adhere to Gramm-Leach Bliley Act guidelines. In fact, we have developed policies to ensure your confidentiality and maintain your confidence in our institution. For this reason, we ask that you please read the following information carefully.


FACTS WHAT DOES Caldwell Bank & Trust Co. 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
  • Income
  • Account balances
  • Payment history
  • Credit scores
  • Overdraft history

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 Caldwell Bank & Trust Co. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Caldwell Bank & Trust 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 investigations, 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 our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call 318-649-2351
What we do
How does Caldwell Bank & Trust Co. 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 Caldwell Bank & Trust Co. collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • Apply for a loan
  • Make deposits to or withdrawals from your account
  • Provide employment information
  • Provide account information

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.
  • Caldwell Bank & Trust does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Caldwell Bank & Trust Co. does not share your information 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.
  • Caldwell Bank & Trust Co. doesn't jointly market