Privacy Policy

Rev. July 2016

FACTS WHAT DOES LONE STAR STATE BANK OF WEST TEXAS 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 income
      • account balances and payment history
      • credit history and credit scores
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 Lone Star State Bank of West Texas chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Lone Star State Bank of West Texas 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
No We don't share
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 our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call (806) 771-7717 or go to www.lonestarwtx.com
What we do
How does Lone Star State Bank of West Texas 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 Lone Star State Bank of West Texas collect my personal information? We collect your personal information, for example, when you
     •  open an account or deposit money
     •  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 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.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
      • Lone Star State Bank of West Texas does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
      • Lone Star State Bank of West Texas does 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 First Bankcard (a division of First National Bank of Omaha).
Other Important Information

Consumer Complaints

Lone Star State Bank of West 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 Lone Star State Bank of West Texas should contact the Texas Department of Banking.

Lone Star State Bank of West Texas also engages in the business of selling checks as an authorized delegate of American Express under Chapter 151 of the Texas Finance Code. If you have a complaint regarding an American Express travelers cheque product, first contact the customer service division of American Express at 1-800-221-7282. If you still have an unresolved complaint regarding the company's money transmission or 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 via US Mail: Texas Department of Banking - 2601 North Lamar Boulevard, Suite 300, Austin, TX  78705-4294
     • By Telephone: (877) 276-5554 (toll free)
     • By Fax: (512) 475-1313
     • By email: consumer.complaints@dob.texas.gov
     • Through a website: www.dob.texas.gov
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TERMS OF USE

PLEASE READ THESE TERMS OF USE CAREFULLY.  BY ACCESSING THIS SITE OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT ACCESS THIS SITE.

You are currently viewing a page of the lonestarwtx.com website (“Site”) belonging to Lone Star State Bank of West Texas ("LSSB"). These Terms of Use (“Terms of Use”) govern your access to and use of the Site, including any content, functionality, and services offered on or through the Site (“Services”).  “You” and “your” refer to any person who accesses or uses the Site or Services.

LSSB reserves the right to modify these Terms of Use at any time without notice.  Any change to these Terms of Use will be effective upon posting of such updated Terms of Use on the Site. The most current version of the Terms of Use will be available to you by clicking the link at the bottom of the Site. By continuing to access or use the Services after the date of any change to these Terms of Use, you agree to be bound by such terms contained in the most recent version of these Terms of Use.  LSSB reserves the right to modify or terminate the Services or to terminate your access to the Site, in whole or in part, at any time.

Trademarks, copyrights, and restrictions on use

All trademarks, service marks, and trade names are proprietary to LSSB. You may not use, reproduce or display any of the LSSB trademarks except upon LSSB’s prior written consent.
The Site and its entire contents, features, and functionality (including but not limited to all web pages, user interfaces, information, design, software, source code, text, displays, graphics, images, and the design, selection, and arrangement thereof) are owned by LSSB, and are protected by United States and intellectual property or proprietary rights laws. Except as expressly provided in these Terms of Use, you may not copy, display, distribute, transmit, transfer, link to, reproduce, license, frame, alter, create derivative works of, reverse engineer, or republish all or any portion of the Site for any commercial or public purpose without LSSB's prior written consent. You may, however, view information available on the Site for your informational purposes. You may download from the Site materials, except for software or source code, but only for your personal or internal business purposes only. You may download software or source code from the Site, but only such software or source code purposely made available to you by LSSB for downloading from the Site, subject to any applicable terms of use. You acknowledge and agree that you do not acquire any ownership rights of any kind by downloading materials from the Site.

Your use of the Services, including the Site, imposes on you an obligation of appropriate use and conduct, which includes, but is not limited to, not causing an unreasonable or disproportionately large processing load on our Services or systems, not engaging in any conduct that restricts or inhibits use of the Services by others, and not introducing or transmitting any virus, worm, Trojan horse or other material that may harm or disrupt our Services or systems. Unauthorized use of the Services, misuse of passwords, or misuse of any information or material posted on this Site is strictly prohibited.
You may use the Services, including the Site, only for lawful purposes and you agree not to use the Services in any way that violates any applicable federal, state, local, or international law or regulation.

Links to Third Party Sites or Content

The Site may contain links to websites controlled or offered by third parties (non-affiliates of LSSB). LSSB hereby disclaims all liability for any other company's website content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site. In addition, any advice, opinions, services, products, or recommendations provided by the linked site providers are those of the providers and not of LSSB. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you and the linked site provider.

Privacy

Your use of the Site or Services is subject to our Privacy Policy (above). By accessing or using the Site or Services, you understand and agree that LSSB may collect and retain personal or other information about you or the device you use to access the Site or Services.

Feedback

You agree that any and all suggestions, comments, and feedback that you submit at or via this Site in connection with any LSSB products and services (“Feedback”) shall be deemed to be non-confidential. LSSB shall have no obligation to keep such Feedback confidential, except as otherwise specifically agreed or required by law.  LSSB also shall be free to use or exploit in any way and for any purpose any Feedback without any restriction of any kind.  Such Feedback may include ideas for new or improved products or services, concepts, know-how, techniques, etc.

Chat

At any time and in connection with any product or service that LSSB provides, LSSB may at its sole discretion make interactive online chat (“Chat”) service available to you. LSSB makes no warranty that the Chat service will be available at any particular time or be free of fault or error.

The Chat service is provided as a convenience to facilitate your understanding of LSSB’s products, services, and online applications. Our Chat service agents will try to provide you with accurate and current information based on your question or need. Nothing we communicate in the Chat service will be considered a legal agreement, representation, or warranty as to our products, services, processes, decisions, or response times. Providing or participating in the Chat service does not constitute consent by you or us to use electronic records and signatures as a substitute for written documents.
You will not use the Chat service to send any abusive, defamatory, dishonest, or obscene message, and doing so may result in termination of the Chat service session.

Disclaimer and limitation of liability

THE SERVICES, INCLUDING THE SITE (INCLUDING ALL CONTENT, FUNCTIONALITY, AND MATERIALS), ARE OFFERED BY LSSB ON AN "AS IS," “AS AVAILABLE,” "WHERE IS," AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND—WHETHER EXPRESS, IMPLIED, OR STATUTORY—INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION UNDER THE LAWS APPLICABLE TO THESE TERMS OF USE.
YOU ACKNOWLEDGE THAT NEITHER LSSB, ITS DIRECT OR INDIRECT SUBSIDIARIES, NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY PROVIDERS, OR LICENSORS WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS, OR CONTENT OF ANY INFORMATION, SERVICE, OR PRODUCT PROVIDED THROUGH THE SERVICES. LSSB DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES.

TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, IN NO EVENT SHALL LSSB BE RESPONSIBLE FOR ANY LOSS OF ANY KIND, INCLUDING LOSS ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM OR MOBILE DEVICE, PROPERTY DAMAGE, AND BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, IN NO EVENT SHALL LSSB BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, LOST PROFITS, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE (OR INABILITY TO USE) OF THE SERVICES, THE SITE, ANY ONLINE SERVICES OR ANY INTERNET BROWSER SOFTWARE AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

Indemnification

You agree to defend, indemnify, and hold harmless LSSB (and all of its direct and indirect subsidiaries) and each of their respective directors, officers, employees, agents, successors, and assigns from and against all losses, liabilities, damages, claims and expenses, including attorneys' fees, arising out of, relating to, or resulting from your violation of these Terms of Use or misuse of the Service or the Site, including such violation or misuses conducted by your employee or agent.

Enforceability and governing law

These Terms of Use constitute a contract between you and LSSB governed by the laws of the state of Texas, with the exception of its conflicts of laws provisions. In the event any of the terms or provisions of these Terms of Use shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision that comes closest to the intention underlying the unenforceable term or provision. These Terms of Use shall be subject to any other agreements you have entered into with LSSB.

The Site is hosted in the United States.   If you are accessing this Site from outside the United States, you may be subjecting yourself to United States law, which may differ from your local laws, including laws that govern personal data collection, use, and disclosure.   In your use of this Site or Service, you may transfer certain personal information to the United States.  You consent to that transfer and you consent to the application of United States law.

Miscellaneous

You agree and understand that effective use of the Site will require your browser to use software plug-ins and modules, including, without limitation, JavaScript, in order to correctly display content and utilize features on the Site.


If you are enrolled in Lone Star State Bank’s Personal or Business Online Banking your use of the Services is governed by our Online Banking Agreements, which incorporates these Terms of Use by reference, and if there is a conflict between these Terms of Use and the Online Banking Agreements, the Online Banking Agreements control.

Our mailing address is

6220 Milwaukee Avenue

Lubbock, Texas  79424

 

Routing and Transit Number: 111325797

PRIVACY POLICY

© Lone Star State Bank of West Texas 2015

Member FDIC - Equal Housing Lender