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Privacy Policy

Privacy Notice: Argent Trust Company (ATC), an Oklahoma State-Chartered Trust Company, and doing business as AmeriTrust Corporation and Heritage Trust Company, is aware that our customers count on us to place the highest importance on the privacy of their personal information and financial dealings with our companies. This information is necessary for us to provide the financial products and exceptional customer service to you. We are providing you with the following information regarding our privacy policy and our commitment to safeguard your personal information.

Confidentiality and Security: We recognize the need for privacy when dealing with personal financial information. We maintain physical, electronic and procedural safeguards that comply with federal standards to store and secure 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.

Information We Collect: 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
  • Checking and Savings Account Information
  • Wire Transfer Instructions
  • Assets and Investment Experience

We may collect personal information, for example, when you:

  • Open an account
  • Make deposits or withdrawals from your account
  • Provide account information or give us your contact information
  • Direct us to buy or sell securities

When you are no longer a customer, we continue to share your information as described in this notice.

Information We May Share:

All financial institutions need to share customers’ personal information to run their everyday business.  In the section below, we list the reasons financial institutions can share their customers’ nonpublic personal information; the reasons we choose to share; and whether you can limit the sharing.

Information and reasons we may share your nonpublic personal information

Do we share your information?

Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain your account(s), or to respond to court orders and legal investigations

Yes

No

For our marketing purposes - to offer our products or services to you.

No

We don’t share

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes – information and your transactions and experiences as needed to properly manage your account(s)

Yes

No

For our affiliates’ everyday business purposes – information about your creditworthiness

No

We don’t share

Questions? Call your account officer or you may call 1-800-375-4646


Definitions:

Affiliates: Companies related by common ownership or control. They can be financial or nonfinancial companies.

Our affiliates include AmeriTrust Corporation, Argent Retirement Plan Advisors, LLC, Argent Advisors, LLC, Argent Fiduciary Consulting Services, LLC, Argent Insurance Services, LLC, Argent Mineral Management, LLC, Heritage Trust Company, Highland Capital Management, LLC, and Wynden Capital Management, LLC.

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

Argent Trust Company does not share with non-affiliates so they can market to you.

Joint Marketing: A formal agreement between non-affiliated companies that together market financial or non-financial products or services to you.

Argent Trust Company does not jointly market.

Notice To Consumers Who Are Residents Of California:

I.  Your Rights:
The California Consumer Privacy Act (“CCPA”) grants California residents (“Consumers”) or another person authorized to act on behalf of the consumer, the right to:

A.  Know what personal information Argent Trust Company, including its subsidiaries and affiliates, has collected about you during the prior twelve months;
B.  Know where Argent Trust Company sells your personal information, and if so, to whom;
C.  Give or withhold consent for Argent Trust Company to sell your personal information;
D.  Request that Argent Trust Company disclose to you:

  1. The categories of personal information collected about you;
  2. The categories of sources from which the personal information is collected;
  3. The purpose for collecting the personal information;
  4. The categories of third parties with whom Argent Trust Company shares personal information; and
  5. The specific pieces of personal information collected about you.

E.  Request that Argent Trust Company delete your personal information, to the extent possible; and
F.  Receive non-discriminatory services and product pricing from Argent Trust Company, regardless of whether you exercise your privacy rights under the CCPA.

II.  What Information Is Covered?

Personal information is defined under the CCPA to include any information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked with a particular consumer of household. Examples include social security numbers, account information, transaction histories, and other biometric data.

III.  What Information Is Not Covered?

Much of the personal information Argent Trust Company collects is already regulated by federal and state laws, and therefore is exempt from the CCPA.  For instance, the CCPA does not apply to personal information collected or disclosed in connection with financial products or services that are used primarily for personal, family, or household purposes.  The CCPA also does not apply to personal information that reflects a communication or transaction between Argent Trust Company and another company, partnership, sole proprietorship, non-profit, or government agency, so long as that communication or transaction involves due diligence about Argent Trust Company or other business, or Argent Trust Company is providing or receiving a product or service.  The CCPA also currently does not afford access or deletion rights to you if your information was collected and used by Argent Trust Company in the context of your role as a job applicant, employee, director, officer, medical staff member, or contractor.

 IV.  Your Choices

Under the CCPA, a consumer who is a resident of California has the right to request that Argent Trust Company delete any personal information about the consumer which Argent Trust Company has collected from the consumer. Argent Trust Company is not required to comply with a consumer’s request to delete if it is necessary to maintain the consumer’s personal information in order to, for example:

  • Complete the transaction for which the personal information was collected, provide a good or service requested by the consumer, or reasonably anticipated within the context of the ongoing business relationship with the consumer, or otherwise perform a contract between the business and the consumer;
  • Enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with Argent Trust Company; or
  • Comply with a legal obligation, such as a regulatory requirement to retain information for a period of time.

Consumers who are residents of California may request that Argent Trust Company disclose to the consumer the specific pieces of personal information that Argent Trust Company has collected about the consumer and may request deletion of their personal information by calling the toll-free number 800-375-4646 or emailing compliance@argenttrust.com. However, as noted above, there are provisions of the California Consumer Privacy Act of 2018 that permit us to retain your personal information, in which case we may be unable to fulfill your request.

Currently, Argent Trust Company, its subsidiaries and affiliates, do not sell your personal information.  If in the future, Argent Trust Company, its subsidiaries and affiliates, seeks to sell the personal information of California residents, it will provide notice and the opportunity to opt-out.  California residents Argent Trust Company knows to be under the age of sixteen (16) would be opted out of the sale of their personal information.