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Cogent Bank

Privacy & Legal

Rev. Date 8/1/2010

FACTSWhat Does Cogent 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
  • Account balances
  • Payment history
  • Transaction history
  • Credit history
  • Checking account 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 Cogent Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Cogent 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
YesNo
For our marketing purposes –
to offer our products and services to you
NoWe don't share
For joint marketing with other financial companiesNoWe don't share
For our affiliates’ everyday business purposes –
information about your transactions and experiences
NoWe don't share
For our affiliates’ everyday business purposes –
information about your creditworthiness
NoWe don't share
For nonaffiliates to market to youNoWe don't share
Questions?Call 386-774-2001 or go to www.cogentbank.net
What We Do
How does Cogent 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.
From the time it was founded, Cogent Bank has always highly valued its customer's privacy. We protect your confidential information and will continue to do so using progressive measures.
How does Cogent Bank collect my personal information?We collect your personal information, for example, when you
  • Open an account
  • Make deposits or withdrawals from your account
  • Provide employment information
  • 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 law and individual companies may give you additional rights to limit sharing.
Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and non-financial companies.
  • Cogent Bank does not share with our affiliates.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and non-financial companies.
  • Cogent Bank does not share with nonaffiliates, so they can market to you.
Joint MarketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Cogent Bank does not jointly market.