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Privacy Policy

What Does Spirit of Texas Bank Do With Your Personal Information?

Rev. Date 9/14

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
  • Account balances
  • Transaction history
  • Account transactions
  • Checking account information
  • Wire transfer information
When you are no longer our customer, we continue to share your information as described in this notice.
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 Spirit of Texas Bank chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Spirit of Texas Bank 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 We don't share
For joint marketing with other financial companies No We don't share
For our affiliates’ everyday business purposes
information about your transactions and experiences
No We don't share
For our affiliates’ everyday business purposes
information about your creditworthiness
No We don't share
For our affiliates to market to you No We don't share
What We Do
How does Spirit of Texas Bank 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 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 Spirit of Texas Bank collect my information? We collect your personal information, for example, when you
  • Open an account
  • Give us your contact information
  • Make a wire transfer
  • Tell us who receives the money
  • Tell us where to send the money
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 non-affiliates 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.
  • Spirit of Texas Bank does not share with affiliates.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Spirit of Texas Bank, ssb does not share with non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Spirit of Texas Bank, ssb does not jointly market.
Other Important Information
For Texas Customers. The Spirit of Texas Bank, ssb is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the TExas Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against the Spirit of Texas Bank, ssb should conteact the Texas Department of Savings and Mortgage Lending through one of the means indicated below: In person, or by U.S. Mail: 2601 NOrth Lamar Boulevard, Suite 201, Austin, Texas 78705-4294; Telephone No. (877) 276-5550; Fax No. (512) 475-1505; or via electronic submission on the Department's website at https://www.sml.texas.gov/consumerinformation/tdsml_consumer_complaints.html