About Cadence


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FACTS 

WHAT DOES CADENCE BANK, N.A. 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 and Credit History 
  •  Account balances and Transaction or loss history 
  • Account transactions and Checking account information 

 

 

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 Cadence Bank, N.A. chooses to share; and whether you can limit this sharing. 

 

 

Reasons we can share your personal information 

Does Cadence Bank, N.A. 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 

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you 

No

We don't share

 

 

 

 

To limit our sharing
  • Call 800-636-7622 - our menu will prompt you through your choice(s) or
  • Visit us online -  www.cadencebanking.com

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions? 

Call 800-636-7622 or go to www.cadencebanking.com 




 

 

 

Who we are 

Who is providing this notice? 

Cadence Bank, N.A.

 

 

What we do

How does Cadence Bank, N.A. 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 with access limited to appropriate employees.

 

How does Cadence Bank, N.A. collect my personal information? 

We collect your personal information, for example, when you 

  • Open an account or Buy securities from us 
  • Apply for a loan or Give us your contact information
  • Make deposits or withdrawals from your account 

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 laws and individual companies may give you additional rights to limit sharing 

What happens when I limit sharing for an account that I hold jointly with someone else?

Your choices will apply to everyone on your account.

 

 

Definitions

Affiliates 

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

  • Our affiliates included financial companies such as Superior Bank, N.A.; Superior Financial Services; 1st Community Credit Corp.; Superior Financial Management, Inc.; NBC Service Corp.; Cadence Insurance Services of MS,Inc.; NBC Insurance Services of AL,Inc

Nonaffiliates 

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

  • We do not share with nonaffiliates so they can market to you. 

Joint marketing 

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. 

  • Our joint marketing partners include service and insurance providers. 

 

 




 Security

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity
To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. Using the above technologies, your Internet banking transactions are secure.