privacy policy

We, our and us, when used in this notice, mean Commerce Bank Texas.

This is our privacy notice for our customers. When we use the words you and your, we mean the following types of customers:

Our consumer customers, who have a continuing relationship by purchasing or holding financial products or services such as:

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

Definition of Terms

Nonpublic personal information means 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 government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as a third party, or simply, an "other party."

The Information We Collect

We collect information about you from the following sources:

The Confidentiality, Security and Integrity of Your Information

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal standards to protect your information.

Your Information and Other Parties

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

Information About Former Customers

We do not disclose information about former customers, except as permitted by law.

Authorized Sharing - Outside Marketing Services

We may disclose the following information to companies that perform marketing services on our behalf: Information you give us on an application or other forms, such as your name and address.

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law. These nonaffiliated third party service providers agree to maintain the confidentiality of such information and to use it only for the intended purposes.

Types of Businesses

Here are the types of businesses with whom we may disclose information for outside marketing purposes: marketing service providers.

Reasons For Disclosing

We may disclose information about you to companies that perform marketing services on our behalf to provide our customers with information about different products and services.

Protecting Children’s Information Privacy

Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children, and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.

Commerce Bank Texas is Committed to Protecting Your Privacy

Complaints and comments about this site should be directed to:

Commerce Bank Texas

112 W. Fordtran

Stockdale, Texas 78160

Consumer Complaint Notice

Commerce Bank Texas is chartered under the laws of 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 this institution should contact the Texas Department of Banking 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 

 

Telephone No.: 1-877/276-5554 (toll free)  

Fax No.: 512/475-1313 

E-mail:consumer.complaints@dob.texas.gov  

Website: www.dob.texas.gov

 

Internet Security Statement

At Commerce Bank Texas, the security of your online information is a high priority. We want to protect the personal and financial information you've entrusted with us. We would like explain how we protect the security of your online information. Commerce Bank Texas offers online banking and bill pay services to our customers. These services allow you to access your account information through an authentication process, which uses personal access codes and passwords. We employ a number of measures to provide these services in a secure manner. These measures allow us to properly authenticate your identity when you access our services and protect your information as it traverses the Internet between your computer and Commerce Bank Texas. Our security measures must rely on these access codes remaining confidential. We strongly recommend that you do not share these access codes and passwords with others. Certain third party providers such as bill pay and bill presentment sites, financial aggregator sites, brokerage sites or other e-commerce sites may offer to provide services to you by accessing your accounts using your access codes and passwords. While it is your decision whether or not to use these services, please be advised that we cannot be responsible for the security and accuracy of the information displayed to you anywhere but at the commercebanktx.com Web site. For information about privacy, please read our Privacy Notice.

What can I do to make myself more secure?

Commerce Bank Texas requires that you download the most recent version of a recommended Web browser, which supports 128-bit encryption technology. Currently, the most recent versions of Microsoft Internet Explorer and Firefox are available for free download via the Internet and support this technology.

What is Encryption and what does it mean to me?

Encryption is the scrambling of information for transmission back and forth between two points. This technology allows for secure transmittal on the Internet by encoding the data using a mathematical formula that scrambles the data. A key is then required to decode the transmitted data. The effectiveness, or level of security, of encryption is measured in bits or how long the "decoder" key is. The more “bits” in the encryption, the greater the security of the transmission.

Why should I upgrade my Internet browser?

Commerce Bank Texas wants you to have a secure online banking experience. Commerce Bank Texas Online Banking is designed with this in mind. To keep pace with our ever-changing world of features, security enhancements, and other additions to the Commerce Bank Texas Online Banking, we require our customers to use current version of a recommended browser. Customers who do not upgrade to the most recent browser may not have access to all of the features offered online at commercebanktx.com. We currently support the following browsers: Internet Explorer 6.0 and higher, Netscape 7.0 and higher, Safari 1.0 and higher and Firefox 1.0 and higher.

OK, I've done all of that. Is there anything else?

Another method for practicing good Internet safety is to get into the habit of visiting commercebanktx.com and performing all financial transactions before venturing out onto the Web for general surfing.

In addition, you should be aware of certain risks and should act responsibly when dealing with programs or files from unknown sources -- this applies to both software available on the Internet and sent via email. Installing files from unknown sources raises the risk of unknowingly downloading infected or malicious software or computer viruses. Once installed on your computer, these programs could potentially tamper with your files without your knowledge. We urge you to never run any untrusted or unfamiliar software or programs received from email or the Internet. As you chat, browse the Web or accept email from unknown persons, always be careful and a bit suspicious.

We also recommend the use of virus detection software that can ensure your computer is free from known viruses. We encourage you to check frequently for updates to your virus-detecting programs and install updates as necessary. Concerned consumers can keep abreast of security issues by visiting Microsoft's Security Advisor Web site or the Privacy Partnership Web site.

With enhanced interactive content and online security, we feel that your cooperation and use of these browsers, in conjunction with practicing good computer sense, will provide you with a safe and secure way of enjoying the great convenience and security of banking online at commercebanktx.com.