Policies and Disclosures
Facts: What does Happy State Bank do with your personal information?
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.
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 income
- Account balances and payment history
- Credit history and credit
When you are no longer our customer, we continue to share your information as described in this notice.
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 Happy State Bank chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
|Reasons||Does Happy State 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||No||We Don't Share|
|For our affiliates’ everyday business purposes - information about your creditworthiness||No||We Don't Share|
|For nonaffiliates to market to you||No||We Don't Share|
What We Do
How does Happy State 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.
How does Happy State Bank collect my personal information?
We collect your personal information, for example, when you
- Open an account or make deposits or withdrawals from your account
- Pay your bills or apply for a loan
- Use your credit or debit card
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 yourcreditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Happy State Bank does not share with our affiliates.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Happy State Bank does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint partners include The Independent Bankers bank (TIB) only if you apply for a Happy State Bank credit card.
Consumer Complaint Notice
Happy State Bank is chartered under the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Happy State Bank should contact the Texas Department of Banking.
Happy State Bank also engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact the consumer assistance division of MoneyGram Payment Systems, Inc., at 800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission of currency exchange activity, please direct your complaint to the Texas Department of Banking.
Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:
In Person or U.S.Mail:
Texas Department of Banking
2601 North Lamar Boulevard Suite 300
Austin, Texas 78705-4294