Privacy Policy

What does Farmers Bank of Willards do with your personal information?

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
• Payment history
• Credit history
• Overdraft history
• Checking account information
• Employment information

When you are no longer our customer, we continue to share your information as described in this notice.

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.

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 Farmers Bank of Willards chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

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.
Does Farmers Bank of Willards share? – Yes
Can you limit this sharing? – No

For our marketing purposes – to offer our products and services to you.
Does Farmers Bank of Willards share? – No
Can you limit this sharing? – We don’t share

For joint marketing with other financial companies.
Does Farmers Bank of Willards share? – No
Can you limit this sharing? – We don’t share

Our affiliates’ everyday business purposes – information about your transactions and experiences.
Does Farmers Bank of Willards share? – No
Can you limit this sharing? – We don’t share

For our affiliates’ everyday business purposes – information about your creditworthiness.
Does Farmers Bank of Willards share? – No
Can you limit this sharing? – We don’t share

For nonaffiliates to market to you.
Does Farmers Bank of Willards share? – No
Can you limit this sharing? – We don’t share

How does Farmers Bank of Willards 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 Farmers Bank of Willards collect my personal information?

We collect your personal information, for example, when you:

• Open an account
• Apply for a loan
• Make deposits or withdrawals from your account
• Make a wire transfer
• Show your driver’s license

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. See below for more on your rights under state law.

Definitions

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. Farmers Bank of Willards has no affiliates.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. Farmers Bank of Willards does not share 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. Farmers Bank of Willards doesn’t jointly market.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.

Cookies Privacy Policy

1. Introduction
This Privacy Policy describes how Farmers Bank of Willards (the “Site”, “we”, “us”, or “our”) collects, uses, and discloses your personal information when you visit or make a purchase from the Site. By using the Site, you agree to the collection and use of information in accordance with this policy.”

2. Information We Collect

• Personal Data: Name, email address, or phone number (collected via contact forms).
• Log Data: IP addresses, browser types, and pages visited (collected automatically by our server).
• Cookies: Technical data used to improve site performance and marketing (see Cookie Policy below).

3. Cookie Policy
What are cookies?
Cookies are small text files used to store small pieces of information. They are stored on your device when the website is loaded in your browser. These cookies help us make the website function properly, make it more secure, and provide a better user experience.

How we use cookies?
Our website uses first-party and third-party cookies for several purposes. First-party cookies are mostly necessary for the website to function the right way. Third-party cookies are used for understanding how the website performs, how you interact with our website, and providing advertisements that are relevant to you.

Manage your preferences
You can change your cookie preferences any time by clicking the ‘Cookie Settings’ icon on our website. This will allow you to revisit the consent banner and change your preferences or withdraw your consent immediately.

Current Cookie Declaration:

4. Your Rights (GDPR/CCPA)
Depending on where you live, you may have the following rights regarding your data:

• The right to access: You can request copies of your personal data.
• The right to erasure: You can request that we delete your personal data.
• The right to opt-out: You can refuse the use of non-essential cookies via our consent banner.

5. Contact Us
For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us at 410-835-8906.