New federal laws have been passed to help you understand how banks and other financial service providers use and protect customer information. Tennessee Commerce Bank recognizes the importance of privacy and confidentiality of customer information. We are committed to treating your personal information responsibly. This policy describes the information we collect and the standards we follow for the use, retention, and security of all “nonpublic financial information”.

Tennessee Commerce Bank collects, retains and uses customer information that is necessary to process account applications, advise customers of our services, products, or benefits, and manage customer accounts. We collect nonpublic personal information from you from the following sources:

• Information we receive from you on applications or other forms

• Information about your transactions with us, our affiliates, or others, and

• Information we receive from a consumer reporting agency

We share nonpublic financial information with certain third parties in order to complete the transaction or service requested. These third parties include check printers, credit bureaus and the bank's data processor. The Bank has no plans to "sell" or disclose confidential information to a third party for their independent use. We do not disclose any nonpublic financial information to any third party for their independent use. There are no plans to disclose such information in the future.

Consumer Privacy Definitions

CONSUMER - means an individual who applies for or obtains a financial product or service from us that is to be used primarily for personal, family, or household purposes.

CUSTOMER - means a consumer who has a continuing relationship with us.

AFFILIATE - means any company that controls, is controlled by, or is under common control with Tennessee Commerce Bank. Our only Affiliate is Tennessee Commerce Bancorp, Inc., the bank’s parent holding company.

NONAFFILIATED THIRD PARTY - means any company or entity that is not our Affiliate.

NONPUBLIC PERSONAL INFORMATION - means personal financial information about you that is not publicly available, was obtained by us from a nonpublic source, or any list, description, or other grouping of consumers that is obtained using any personally identifiable financial information that is not publicly available.
POLICY - means this Privacy Policy

WE, US, OUR - means Tennessee Commerce Bank,its Affiliates, employees, and agents.
 
YOU, YOUR - means any consumer of our financial information.


Tennessee Commerce Bank limits access to customer information to employees who have a business reason to know such information. All bank personnel are trained to understand and recognize the importance of confidentiality and privacy of all customer records. Employees will be subject to appropriate disciplinary actions should they violate this trust. The bank has defined policies and procedures to ensure that collected information is accurate, current, and complete. We will immediately respond to any customer notification of error and ensure that inaccurate information is corrected in a timely manner. Tennessee Commerce Bank maintains comprehensive security standards and procedures to prevent unauthorized access to or use of confidential information in any form. These security measures include protection for electronic transactions conducted at our web site Tncommercebank.com. The bank’s Internet banking system uses a secure “cookie” to facilitate customer transactions. Any information collected by “cookies” is treated with the same security and privacy protection as any other customer information that we receive.


Communication
We invite you to communicate with us often:
• Email: cs@tncommercebank.com
• Telephone: 599-2274 or 1-877-684-2265

We will respond immediately to any comments or questions.