February 27, 2016


Information on Your Right to Privacy

Ladysmith Nursing Home Incorporated values your loyalty and trust. The confidentiality and security of your financial and personal information is essential to our business. Our Consumer Privacy Notice is designed to provide detailed information regarding our collection, handling, and safeguarding of your personal and financial information. As used in this notice, “we”, “our” and “us” means Ladysmith Nursing Home Incorporated. Use of the word “you” and “your” refer to our customers. This Privacy Notice is for our consumer customers who have a continuing relationship with us.

In this notice we will explain what information we collect and what information we share with other entities. We will tell you what your rights are, and how you can exercise them.

The Information that We Collect

Nonpublic personal information is information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or public records.

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms

  • Information about your transactions with us

  • Information about your transactions with nonaffiliated third parties

  • Information we receive from a consumer reporting agency

We collect and use this personal information to deliver quality financial products and services to you. The personal information you share with us enables us to:

  • Accurately identify you

  • Protect and administer your records and accounts

  • Process your requests

  • Improve our customer service

  • Comply with applicable laws and regulations

  • Identify additional financial products and services that may be of value to you

Information Confidentiality and Security

We restrict access to nonpublic personal information about you to those employees with a business need to know that information to provide products or services to you. Access to customer information may be granted to resolve questions or inquiries, for internal security or fraud prevention, to provide products and services, or to protect or enforce customer rights. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Information Sharing with Third Parties

We will not disclose nonpublic personal information about customers or former customers to anyone except as disclosed in this notice, and as permitted or required by law.

Following are some specific instances when your nonpublic personal information may be disclosed to third parties as permitted or required by law.

  • With your consent or authorization or at your request

  • To assist in completion of transactions initiated by you

  • To companies that perform services for us in connection with administering, processing, and servicing your account(s)

  • To consumer reporting agencies

  • For purposes of fraud prevention, security or risk control

  • To resolve disputes or inquiries you may have regarding your account

  • Pursuant to audits or sales or transfer of your accounts

  • To comply with federal, state, or local laws, rules and other legal and regulatory requirements

  • When disclosure is required by law, such as pursuant to a court order, legal process, government agency examination, investigation or to protect or enforce your rights