Privacy Policy


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This Privacy Policy is provided to help you understand how we protect Customer information. Security Bank of the Ozarks (herein referred to as Bank, we, us or our) respects your decision to do business with us and takes your privacy seriously. Our Privacy Policy provides you with an opportunity to make informed choices about the management of personal information. You trust us with your personal and financial information and we'll honor that trust by handling your information carefully and sensibly. This Privacy Policy will help you understand how we safeguard and use information, and how it applies to all Customers or former Customers who obtain financial services from us for personal, family or household purposes. Similarly, our Customers who receive information from us or transact business with us through the Internet are covered by additional privacy policies on our websites.

Collection of Information
We collect information from and about you in order to identify you as our Customer, establish and manage Customer accounts, complete Customer transactions, understand Customer needs, market products and services we believe are of value to Customers, and comply with legal and regulatory requirements. We collect and obtain Customer information from various sources including the following:

Information listed on credit applications or other related forms
Information listed on deposit account opening forms
Enrollment in the Bank's online account services
Credit reporting agencies
Customer transactions with us or other institutions
Customer communications with the Bank or any of its affiliates
Public information

Security Procedures
We are committed to maintaining the security of our Customers’ financial and personal information. All operational and data processing systems are in a secure environment that protects Customer information from being accessed by unauthorized individuals or third parties. Access to nonpublic information about you is restricted to those Associates who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Correspondence and telephone conversations are monitored for quality, compliance, and accuracy to ensure that our standards are being followed.

From time to time, we may enter into agreements with other companies to provide services to us or to make products and services available to you. Under these agreements, the companies may receive information about you. They must safeguard this information, and they may not use it for any other purpose.

Disclosures to Service Your Account
It is often necessary for us to disclose Customer information to companies, including our affiliates, which perform services necessary to establish and manage Customer accounts on our behalf. These services may include transaction and statement processing, research and analysis, delivery of benefits and programs, marketing services, card issuance, Customer Service, and protection against fraud. Additionally, if we offer Customers the opportunity to enroll in affinity, frequent user, or award programs, we may provide certain Customer information to companies that administer such programs. When it comes to disclosing Customer information to others for the purpose of establishing and managing Customer accounts, we place limits on who receives specific information. We disclose to these companies information that they need to establish and manage Customer accounts and restrict the use of that information so that it cannot be used for any purpose beyond the intended service. We may also provide certain Customer information to others outside of the Bank as required or permitted by law, such as to government entities, other third parties in response to subpoenas, or to consumer reporting agencies.

Former Customer
If you decide to close your account or your account becomes inactive or is closed for some other reason, we will continue to treat and safeguard your information as described in this Privacy Policy.

Commitment to Service
We believe the confidentiality and protection of Customer information is one of our fundamental responsibilities. While information is critical to providing quality service, we recognize that one of our most important assets is our Customers’ trust. Thus, the safekeeping of Customer information is a priority for us. We will continuously strive to maintain complete and accurate information about our Customers and their accounts. If you believe that our records contain inaccurate or incomplete information about you, it is important that you notify us as soon as possible. We will investigate your concerns and correct any inaccuracies.

This Privacy Policy replaces any prior privacy policy we have posted or delivered to you. We reserve the right to change this Privacy Policy at any time, and we will inform you of changes as required by law.

Online Privacy Addendum
This document is an addendum to the Security Bank of the Ozarks Privacy Policy covering our Customers who receive information or transact business with us over the Internet.

Through our website, we strive to provide valuable information to you about the Bank and how we may serve you. In addition, we make available timely updates on new products, services, locations, and Customer Service hours for our valued Customers. We also provide timely account information for users of online account services and the ability to make online payments.

We safeguard all information our Customers share with us through our website.

Links to Third Party Websites
The Security Bank of the Ozarks website contains links to, and may be linked from, third party websites, which are not under the control of Security Bank of the Ozarks. Security Bank of the Ozarks makes no representations whatsoever about any other website to which you may have access through, or to, the Security Bank of the Ozarks website. When you access a non-Security Bank of the Ozarks website, you do so at your own risk, and Security Bank of the Ozarks is not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these sites. Security Bank of the Ozarks is not responsible for updating or correcting false or misleading information on any third party website. Security Bank of the Ozarks provides these links merely as a convenience, and the inclusion of such links does not imply that Security Bank of the Ozarks endorses or accepts any responsibility for the content or uses of such websites. Furthermore, any opinions expressed on any third party website are not necessarily those of Security Bank of the Ozarks.

Your Online Security
One of our highest priorities for Online Account Services is to ensure your privacy and peace of mind by employing some of the most advanced online security measures in the industry.

Once you enroll in Security Bank of the Ozarks Online Account Services, you will be able to use a self-selected username and password that serves as our first line of defense.

The best security measures are those that support your privacy without hindering your access to account information. You can rest assured that your account information is safe.

You can also ensure the security of your information by following these steps:

Never reveal your username and password to anyone.
Change your password frequently using the "Change Password" function.
Always select passwords that cannot be easily guessed.
Always sign out before walking away from your computer.
Always sign out before accessing other websites.
Read more about online security in Account Security.
We reserve the right to change this Online Privacy Addendum and our information collection activities for this website at any time by modifying and posting a new Privacy Policy.

Legal Disclaimers
All information on this website is protected by copyright in the United States of America and in other countries. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this website.

The posting of information or other materials to this website does not constitute a waiver of any proprietary right in such information and materials (such as, but not limited to, copyright, service marks, trademarks, trade names, or other intellectual property) and does not transfer any rights to a user of the website or any other third party, except as expressly provided herein.

Security Bank of the Ozarks is not responsible for system errors on your computer that prevent the Bank's website from loading or operating properly. If an error is discovered within Security Bank of the Ozarks' website itself or due to a problem at the Bank's Internet Service Provider, Security Bank of the Ozarks and the Internet Service Provider will correct the error as soon as possible.

This is the official website of Security Bank of the Ozarks.









PO Box 725, Eminence, MO  65466
Phone: 573-226-3222

PO Box 305, Winona, MO  65588
Phone: 573-325-4231

Copyright 2011 Security Bank of the Ozarks