Online Privacy

Community Southern Bank is committed to providing the highest level of security and privacy in the collection and use of information about our online banking customers, as well as that of all visitors to our web site. The bank’s policies regarding collecting, using, sharing, accuracy, and safeguarding customer information are as follows:

Respect of Right to Privacy

Community Southern Bank acknowledges and respects the privacy and confidentiality of customer information. We want to assure our customers that information communicated electronically through our website is as secure as information received through more traditional bank delivery channels.

Collection and Use of Customer Information

The collection of information online is designed to protect access to your accounts and to assist the bank in providing you with the products and services that are of value to you. All information collected and stored by the bank is used for specific business purposes. Specifically, it is used to protect and maintain your accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services.

This information is gathered from a variety of sources. Personal and confidential information is collected when you open an account or apply for credit. We also may obtain reports from credit bureaus or other creditors for evaluating your initial application or during the course of subsequent periodic review of your banking relationship with us.

Information may also be obtained from “cookies”. A “cookie” is a small file placed on your hard drive by our web site server that is retrieved the next time you enter our web site. The “cookie” is used to help us serve you better by recognizing you as a customer and to automate your online experience. For example, “cookies” are used to store your preferences for certain kinds of information or to store account information so that you do not have to input it every time you visit our site. “Cookies” cannot be used to reveal anything that you have not already explicitly revealed. They cannot read your hard drive, get your e-mail address, or steal personal information about you. If you do not wish to receive cookies, you can set your browser to alert you of a “cookie” being offered, or to reject all “cookies”.

Sharing Customer Information

Community Southern Bank does not sell customer information to outside parties.  We do not share customer information with third parties for any purpose without the customer’s consent, except as provided in this privacy statement.

There are situations in the ordinary course of business where customer information is disclosed to third parties. In accordance with standard banking industry practices, and as provided by applicable federal and state law, we exchange information about our customers with selected credit reporting agencies.  There may be occasions where we are legally required to disclose customer information, such as in response to a subpoena, to prevent fraud, or to comply with a legally permitted inquiry by a governmental agency or federal regulator.

Specific customer information is also disclosed to third parties to provide operational support or to make available certain products on our behalf.

If you would prefer not to have your information (other than for credit, legal, operational support, and product availability purposes) shared with third party companies, or if you wish to be removed from our lists for special offers, please notify us in writing.  When you write us, please include your name and address as they appear on your account statement and your account number(s) to: Community Southern Bank, Compliance Department, 3340 South Florida Ave, Lakeland, Florida 33803.

Customer Information Accuracy

Under the Fair Credit Reporting Act you have the right to notify us if you believe we have reported inaccurate information about your account to any consumer reporting agency. Such notices should be sent in writing and include your complete name, current address, social security number, telephone number, account number, type of account, specific item of dispute, and the reason why you believe the information reported is in error. Send your notice to: Community Southern Bank, Compliance Department, 3340 South Florida Ave, Lakeland, Florida 33803.

Safeguarding Customer Information

Community Southern Bank has established security standards and procedures to help protect customer information from unauthorized access. Customer information is protected from unauthorized access to the bank by a password chosen by the customer. Thus, customer information is only accessible to those who know the customer’s user identification and password. User identification and passwords provide audit trails to further safeguard the privacy of customer information.

Customer information is protected from being altered while in transmission to the bank by encryption technology known as Secure Sockets Layer (SSL). SSL manipulates the data into a format unreadable to humans as it leaves the customer’s workstation.  Furthermore, the data in transit is split up into packets that travel separately and are not reorganized until they filter through the bank’s router. If the encryption code is broken at an unauthorized computer, that computer will only receive incomplete random packets, which would be out of context with the whole data.

Customer information is protected while in the bank by limiting its access to only authorized employees, who are trained in the proper handling of that information.  These employees have been instructed to maintain the information’s confidentiality.  To ensure that the confidentiality policy is understood, it is incorporated into the Employee Handbook. Failure of an employee to comply with the privacy policy is subject to disciplinary action.

Disclosure of Privacy Policies

Community Southern Bank is committed to ensuring the privacy of its customer information. For more information regarding the Community Southern Bank Online Banking Privacy Policy, contact us at: 3340 S. Florida Avenue, Lakeland, Florida, 33803;  (863) 648-2265.


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