Toy blocks spelling out the word privacy.

Privacy Policy



What Does Blue Ridge Bank and Trust Co. Do With Your Personal Information?

Rev. 11/1/2010

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 and income
  • account balances and transaction history
  • credit history and assets
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 Blue Ridge Bank and Trust Co. chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Blue Ridge Bank and Trust Co. 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 Yes
For joint marketing with other financial companies Yes Yes
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No No - We Do Not Share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No No - We Do Not Share
For our affiliates to market to you No No - We Do Not Share
For nonaffiliates to market to you Yes Yes
To limit our sharing Call 816-358-5000. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. 
 
 
What We Do
How does Blue Ridge Bank and Trust Co. protect my 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 restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.
How does Blue Ridge Bank and Trust Co. collect my information? We collect your personal information, for example, when you
  • open an account or apply for a loan
  • enter into an investment advisory contract
  • show your government-issued ID
  • use your credit or debit card
We also collect your personal information from others such as credit bureaus  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 non-affiliates 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 non-financial companies.
  • Blue Ridge Bank and Trust Co. does not share with affiliates.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies. 
  • Nonaffiliates we share with can include financial institutions and direct marketing companies.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners included credit card companies..