Privacy Policy

WHAT YOU SHOULD KNOW - Important Information of Your Privacy Rights

LandMark Bank of Florida is committed to safeguarding your personal information. This notice describes our long-standing privacy policy and how we handle and protect your personal information. This notice is required by the Federal Financial Privacy Law
(15 U.S.C. 6801-6810).

When we use the words "you" and "your", we mean any consumer or customer who has a continuing relationship with us, such as a deposit account, loan or credit card, safe deposit box or self-directed IRA where we act as a custodian or trustee, or retail installment contract that we hold and service.

If you decide to close your account or become an inactive customer, we will continue to adhere to these privacy policies and practices.

"We", "our", and "us" means LandMark Bank of Florida,

"Nonpublic Personal Information" means information about you that we collect in connection with providing a financial product or service to you. It does not include information that is available from public sources, such as telephone directories or government records.

The information we collect:

We collect Nonpublic Personal Information about you from the following sources:

Information you provide to us on applications and through other means , such as your name, address, assets, occupation, income and other debt;
Information about your transactions and account experiences with us, such as your account balance, payment history, parties to and amounts of transactions;
Information from credit bureaus or third parties regarding their relationship with you or verifying representations made by you, such as your employment history, loan or credit card balances and payment history, or your property value or property insurance coverage.

The information we disclose:

We may share the personal information described above for business purposes with third parties;
Companies under contract to perform services for us on our behalf, such as vendors who provide our data or transaction processing, computer software maintenance and development, insurance coverage, or marketing services;
Financial institutions with whom we have agreements to jointly offer or endorse financial services or products, such as insurance companies or check vendors.

These parties must agree to adhere to similar privacy principles, and use the information only for the purpose provided.

We do not otherwise disclose your information unless:

You request or authorize it (for example, if you've requested an account type that has additional club or membership benefits);
The information is provided to help complete a transaction initiated by you (for example, to verify that your account has available funds for a person to whom you've issued a check);
The disclosure is lawfully permitted or required (for example, to a credit bureau or in a connection with a subpoena or other legal process, a fraud investigation, enforcement of our rights, or during an audit or examination of our bank).

The confidentiality, security and accuracy of your data: We restrict access to your nonpublic personal information to employees who need to know that information to provide products or services to you, or to maintain or service our products or services. We maintain physical, electronic, and procedural safeguards that comply with federal laws and regulations to guard your nonpublic personal information.

We endeavor to keep our customer files complete and accurate. We provide you with access to your account information through various means such as account statements, telephone banking, and Internet Banking. If you ever find that your account information is incomplete, inaccurate or not current, please call or write us at the telephone number or address listed on your account statement or other bank record. We will promptly update or correct any erroneous information.

Customers will be notified in advance of any change in the policies contained in this notice.

For visitors to our website: We only collect non-identifying information about visitors to our website, such as date and time the site was accessed, the pages visited, the domain name or servers used, the address of the site from which the visitor came, and the city of the visitor as identified by the the server address. If visitors submit information by e-mail or otherwise (which message will include the visitor's e-mail address), it is used by employees or third parties who need to know it to perform the requested service, and is treated the same as information provided by other means. We may use "cookies" to deliver content specific to customer interest and to save passwords so customers do not have to reenter them each time that they visit our site. Our website may contain links to other sites; we are not responsible for the privacy practices or content of other websites.

Privacy Principles:

LandMark Bank of Florida has long recognized and respected your personal privacy. It has always been our policy to maintain your information in a confidential manner. The following privacy principles guide us in this effort:

Our customers expect privacy and security of their personal and financial matters.
We will collect, retain, and use customer information only as necessary for specific business purposes.
We will make every effort to maintain accurate and complete customer information, and will respond to requests to correct inaccurate information in a timely matter.
We will seek to limit access to customer information to authorized individuals with a specific business need.
We maintain security standards that help prevent unauthorized access or disclosure of confidential information.
We will not reveal information about our customers unless there is a legitimate business or legal purpose.
We ask and expect vendors that provide services for us and our customer's accounts to abide by similar privacy policies.

Tips For Privacy Protection

Never give out your social security number or personal credit information over the phone unless you initiate the call.
Check SSN earnings and benefits statements annually for fraudulent use.
Before discarding, tear up or shred credit card and ATM receipts, bank statements, unused credit card offers, and other papers with your personal information.
Keep track of your mail. If a statement, check, or bill is missing, someone may have changed your billing address.
Check all credit card and bank statements for accuracy.
Don't mail bills from you own mailbox. Drop them in a postal box, or at the Post Office.
Review your credit report annually and correct mistakes.
Avoid easy to figure out access and personal ID (PIN) codes.
Make sure you do business with reputable companies, especially on the Internet.
Use only secure sites for making on-line purchases. Secure sites begin with "https".
Keep your borrowers padlock or key icon active when doing business online.
Pay for online purchases by credit card to assure you get what you paid for and to limit your liability.
Don't reopen e-mail from unknown sources, and use virus detection software.
Protect your PINs and passwords, change them often and use a combination of letters and numbers.

If you become a victim of identity theft:

File a police report.
Notify all of those whom you have a financial relationship.
Notify credit bureau fraud units, place a fraud alert statement on you credit report and request bi-monthly copies of your credit report until your case is resolved (free to fraud victims).
Establish a password for telephone inquiries on bank and credit card accounts.
Check post office for unauthorized change of address requests.
Report check theft to check verification companies.
Follow up contacts with letters and keep copies of all correspondence.

Where to get help:

Trans Union - www.tuc.com
Report Fraud 800-680-7289
Order Credit Report 800-888-4213

Experian - www.experian.com
Report fraud 888-397-3742
Order Credit Report 888-397-3742

Equifax - www.equifax.com
Report fraud 800-525-6285
Order Credit Report 800-685-1111

Reporting Fraudulent Check Use

Check Rite 800-766-2748
Chexsystems 800-428-9623
CrossCheck 707-586-0551
Equifax 800-437-5120
SCAN/National Processing Co. 800-526-5380
TeleCheck 800-710-9898

Social Security Administration
Report Fraud 800-269-0271
Order Benefits/Earning Statements 800-772-1213.