All the Facts
Privacy Notice
Effective as of April 2022
Please read this notice carefully to understand what we do.
The 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.
The 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 numbers and Account balances
Payment history and Credit history
Account transactions and Overdraft history
When you are no longer our customer, we continue to share your information as described in this notice.
If you choose to use the RiverHills Bank Mobile or CardHub app, we may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions).
The 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 RiverHills Bank chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal Information | RiverHills Bank Share? | Can you limit this sharing? |
|---|---|---|
| For our everday business purposes: such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus. | Yes | No |
| For our marketing purposes: to offer our products and services to you. | Yes | No |
| For joint marketing with other financial companies. | No | We don't share |
| For our affiliates everday business purposes: Information about your transactions and experiences. | No | We don't share |
| For our affiliates everday business purposes: Information about your creditworthiness. | No | We don't share |
| For non-affiliates to market to you. | No | We don't share |
Questions? Call (513) 553-6700
Download the PDF here.
Who we are
Who is providing this notice?
RiverHills Bank 553 Chamber Drive, Milford, Ohio 45150
What we do
How does RiverHills 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.
How does RiverHills Bank collect my personal information?
We collect your personal information, for example, when you:
Open an account or Apply for a loan
Make a wire transfer or Use your Credit or Debit card
Show us your goverment issued ID
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 affiliate(s) everyday business purposes – information about your credit worthiness
Affiliate(s) from using your information 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.
RiverHills Bank does not share with our affiliates.
Non-affiliates: Companies non related by common ownership or control. They can be financial and non financial.
RiverHills Bank does not share with non-affiliates.
Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.
RiverHills Bank does not joint market.
our customers are our highest priority
RiverHills Bank Privacy Principles
Naturally, we know how important personal privacy is to you and want to protect the information you have entrusted to us.
Expectation of Privacy
We recognize that you expect privacy and security for your personal and financial affairs. We understand the need to safeguard our sensitive information about you that you have entrusted to us. We maintain standards and procedures designed to prevent misuse of this information.
Use, Collection and Retention of Information
In order to assist you with your financial needs and provide excellent customer service we collect, retain, and use certain types of customer information. We may collect or retain nonpublic personal information about you from the following sources:
Applications or other forms that you provide to us, information such as your name, address, social security number, assets, income and investment objectives;
Information about your transactions with us such as payment history, account balances and usage;
Information we receive from consumer reporting agencies, such as your credit worthiness and history.
We collect and retain information about you only for specific business purposes and we will tell you why we are collecting and retaining it upon your request. We use information to administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service.
Maintenance of Accurate Information
We have procedures to help assure that your financial information is accurate, current and complete in accordance with commercial standards. We
also have procedures to respond to your requests to correct inaccurate information in a timely manner.
Limiting Employee Access to Information
We have procedures that limit employee access to information to those employees with a business reason to know such information. We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, special training and our policies. We take appropriate disciplinary measures to enforce employee privacy responsibilities.
Protection of Information
We maintain security standards and procedures to help prevent unauthorized access to confidential information about you.
Disclosure of Account Information
We do not disclose nonpublic personal information about our customers or former customers to parties outside our bank, for their independent use unless: you request or authorize it; the information is provided to help complete a transaction initiated by you; the information is provided to a reputable credit bureau or similar information reporting agency; or the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non-RHB companies for the purpose of independent telemarketing or direct mail marketing.
Maintaining Customer Privacy in Business Relationships with Third Parties
Sometimes it is necessary to provide personally identifiable information about you to a party outside of our bank, such as to a vendor or service company that we may hire to prepare statements or to provide support or services for one of our products. These vendors and service companies agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.
Disclosure of Privacy Principles to Customers
We want you to understand our commitment to personal privacy and our use of information. For this reason, we have prepared these Privacy Principles. We hope these Privacy Principals will answer most of the questions that you may have about how we gather, protect, and use information, should you have any additional questions please feel free to contact the RiverHills Bank 110 Front Street, New Richmond, OH 45157, 513-553-3101.
Information We Share with Consumer Reporting Agencies
It is common for financial institutions like the RHB to share information about customer accounts with consumer reporting agencies. However if you believe some of the information is in error, please let us know in writing to: RiverHills Bank 110 Front Street, New Richmond, OH 45157.
Promotional Offers we Share with You
If we have, a promotional offer or product we think would be of interest to you; we may let you know by mail or by telephone.