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Privacy Policy

September 2016

Facts

What does the Farmers and Merchants Bank do with your personal information?

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 credit history
  • account balances and payment history
  • overdraft history and transaction history

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 The Farmers and Merchants Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does The Farmers and Merchants 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

No

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 nonaffiliates to market to you

No

We don't share

Questions?

Call 765-869-5513 or go to www.fmbank.org

Who Are We?
Who is providing this notice? The Farmers & Merchants Bank
What we do

How does The Farmers and Merchants Bank 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 The Farmers and Merchants Bank collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card

We also collect your personal information from 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 nonfinancial companies.

  • The Farmers and Merchants Bank does not share with our affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • The Farmers and Merchants Bank does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • The Farmers and Merchants Bank doesn't jointly market

Terms of Use

BY USING OUR SITE YOU AGREE TO THE TERMS SET FORTH BELOW:

No Warranty

This site and its content and the information and material contained in this site are provided "as is," "as available." Farmers & Merchants Bank does not warrant the accuracy, adequacy or completeness of this content, information and material, and expressly disclaims liability for errors or omissions in this information and material. No warranty of any kind (e.g., implied, expressed or statutory, including but not limited to the warranties or non-infringement, title, merchantability, fitness for a particular use and freedom from computer virus) is given in conjunction with the information and material contained in this site.

Limitation on Liability

You acknowledge that in no event will Farmers & Merchants Bank be liable for any damages, including, without limitation, direct, indirect, special, incidental, or consequential damages, losses or expenses arising in connection with use of this site or any linked site (or inability to use this site or any linked site) by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if advised of the possibility of such damages.

Links

This site may contain links to sites controlled or offered by third parties not affiliated with the Farmers & Merchants Bank. When you click on such a link, you are leaving this site and are visiting the linked site at your own risk. You are responsible to protect against disability or destructive code you may encounter on any linked site. Farmers & Merchants Bank disclaims liability for any information, materials, products or services posted or offered at any third party site linked to this site. Farmers & Merchants Bank does not endorse or recommend any products, services or information contained at those linked sites, nor is The Farmers & Merchants Bank liable for any failure of products or services offered or advertised at such linked sites. In addition, the sponsors of such linked sites may have terms of use and privacy policies that differ from the Farmers & Merchants Bank policy, and may provide less security than the Farmers & Merchants Bank site.

Change of Terms

Farmers & Merchants Bank may make changes to this site at any time, including terminating the site in whole or in part or removing content or features without notice. Any change will become effective when Farmers & Merchants Bank posts the change or removes the feature. Your visit to the site following the posting of such change or removal of the feature constitutes your agreement to the change.

Copyright and Trademarks

All logos, trademarks, servicemarks, pictures, text, data together with any and all other materials contained on this website are the property of Farmers & Merchants Bank. All materials contained on this website are intended for the private or internal use of those visiting this website. By using this website, you will not acquire any ownership rights in any and all materials contained on this website. No one may copy, download, link to, sell, republish, transfer or redistribute any and all portions of this website for any commercial or public use, without obtaining the express written consent of Farmers & Merchants Bank prior to any such commercial or public use. In the event that this website contains the logos, trademarks or servicemarks of a third party, no one may use such logos or marks with the third party consenting to such use.

Indemnification

You agree to defend, indemnify and hold harmless Farmers & Merchants Bank, its related entities, and their respective officers, employees and agents from and against any and all claims, actions, suits, proceedings losses, liabilities, damages, costs and expenses, including attorneys’ fees, arising out of or related to your use of this website and any and all materials contained in this website.

Legal Use of Website

You agree that you will not use this website for any unlawful purpose. Any unauthorized or unlawful use of this website is strictly prohibited.

Additional Terms

Your use of this web site is also subject to the disclosures and terms that appear elsewhere on the Farmers & Merchants Bank site. The failure or delay to enforce any and all terms that appear in this website, including but not limited to the terms on this terms link, shall not be deemed a waiver of any term or the right to enforce any term.

Governing Law

Farmers & Merchants Bank controls and governs this site from its headquarters in Indiana. The laws of the United States and Indiana (without giving effect to its conflict of laws provisions) will govern the interpretation and resolution of any disputes involving this site. If any portion of this site is deemed unenforceable or illegal, that portion shall be deemed deleted and the rest of the site shall be deemed to survive.

Patriot Act

The official title of the USA PATRIOT Act is "Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT) Act of 2001." To view this law in its entirety, click on the USA PATRIOT Act link below.

What this means for you?

The purpose of the USA PATRIOT Act is to deter and punish terrorist acts in the United States and around the world, to enhance law enforcement investigatory tools, and other purposes, some of which include:

  • To strengthen U.S. measures to prevent, detect and prosecute international money laundering and financing of terrorism;
  • To subject to special scrutiny foreign jurisdictions, foreign financial institutions, and classes of international transactions or types of accounts that are susceptible to criminal abuse;
  • To require all appropriate elements of the financial services industry to report potential money laundering;
  • To strengthen measures to prevent use of the U.S. financial system for personal gain by corrupt foreign officials and facilitate repatriation of stolen assets to the citizens of countries to whom such assets belong.
U.S.A. Patriot Act

Customer Identification Program Policy Statement

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you?

  • When you open an account, we will ask for your name, physical address, date of birth, and other information that will allow us to identify you.
  • We may also ask to see your driver's license or other identifying documents.

We thank you for your understanding and for joining us in securing a safer tomorrow.