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At Independent Southern Bancshares, Inc. (INSOUTH), maintaining our customers' trust ad confidence is a high priority. That is why we want you to understand how we protect your privacy when we collect and use information about you, and the measures we take to safeguard that information. This Privacy Notice applies to INSOUTH Bank and Southern Financial, Inc., which comprise the INSOUTH family of companies.

Sources of Information We Collect

Nonpublic personal information is information about you not known publicly that we obtain in connection with providing a financial product or service to you. As part of extending services to our customers, we may collect nonpublic personal information about you from several sources:

  • Information we receive from you on applications, surveys, online registrations or other forms, such as name, address, social security number, assets and income;
  • Information about your account transactions with us, our affiliates or others, such as account balance, payment history, and parties to transactions; and
  • Information we obtain from consumer credit reporting agencies, such as your creditworthiness and credit history.

Disclosure of Customer Information

Various types of information are shared within our family of companies and with other companies.

Nonpublic Personal Information

We may disclose or share the nonpublic personal information described above to our family of companies. We may also share this information with other companies that are not in our family of companies. This information may be shared with financial service providers (such as mortgage bankers, securities broker-dealers, and insurance companies), and with non-financial companies that perform services on our behalf, including marketing.

If you prefer that we not disclose nonpublic personal information about you to companies other than our family of companies, you may "opt out" of those disclosures; that is, you may direct us not to make those disclosures (other than those permitted by law). Each owner of a joint account may "opt out" separately; by "opting out", you instruct us not to share the information associated with your name on any and all accounts with us.

If you wish to "opt out" of disclosures to these other companies, call us toll free at 1-800-541-3891.

You may not "opt out" of certain sharing of nonpublic personal information to third parties. This includes information shared as required by law, for example, to government entities in response to subpoenas. It also includes information shared as part of the routine course of business, such as the servicing of a loan or account with us, sharing with consumer credit reporting agencies.

Transaction and Loan Application Information

We may also share with our family of companies information about our experiences or transactions with you or your accounts. In addition, we may share with our family of companies information about you, including:

  • Information we obtain on loan applications;
  • Information we obtain from a consumer credit reporting agency, such as credit history;
  • Information we obtain to verify something a customer has told us in connection with a loan application, such as loan balances, employment, credit, or other relationships, such as employment history.

If you prefer that we not share this loan and credit information, you may direct us not to share this information by calling us at 1-800-541-3891.

Confidentiality and Security

We restrict access to nonpublic personal 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 regulations to guard your nonpublic personal information. Since we believe that keeping your trust is very important, we will continue to adhere to the policies and practices described in this Notice even if you should have inactive or closed accounts with us.
If at any time you have a concern about your information security, you may contact us through e-mail at, or call our institution at 1-800-541-3891.