Privacy Policy

What Does Farmers & Merchants Bank Do With Your Personal Information?

Rev. Date 3/2023

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
  • Transaction history
  • Account balances
  • Credit history
  • Payment history
  • Account transactions
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 Farmers & Merchants Bank chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Farmers & 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 Yes No
For our affiliates' everyday business purposes –
information about your transactions and experiences		 Yes No
For our affiliates' everyday business purposes –
information about your creditworthiness		 No We Do Not Share
For our affiliates to market to you No We Do Not Share

Questions: Call toll-free (866)-733-3444 or go to www.ffmbank.com

Who We Are
Who is providing this notice? First Farmers & Merchants means the following institutions: All institutions with the "First Farmers & Merchants" name.
What We Do
How does Farmers & 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.

We also maintain other physical, electronic, and procedural safeguards to protect this information, and we limit access to information to those employees for whom access is appropriate.
How does Farmers & Merchants Bank collect my personal information? We collect your personal information, for example when you
  • Open an account
  • Apply your account for a loan
  • Use your credit or debit card
  • Make deposits or withdrawals from your account
  • Give us your contact information
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 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 non-financial companies.
  • Our affiliates include:
    • Companies with a First Farmers & Merchants Bank name
    • Liberty National Bank
    • Non-financial companies such as: FFM Shared Services, LLC and 215 Holding Co.
Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Farmers & Merchants Bank does not share with non-affiliates so they can market to you
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include Elan Financial Services