Privacy Policies

Privacy Notice:

Argent Financial Group, Inc., and its commonly owned affiliates, are aware that our clients count on us to place the highest importance on the privacy of their personal information and financial dealings with our companies. This information is necessary for us to provide the financial products and exceptional client service to you. We are providing you with the following information regarding our privacy policy and our commitment to safeguard your personal information.

Confidentiality and Security:

We recognize the need for privacy when dealing with personal financial information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure 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.

Information We Collect:

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
• Account Balances and Transaction History
• Checking and Savings Account Information
• Retirement and Other Investment Account Assets
• Assets and Investment Experience

When you are no longer a customer, we continue to share your information as described in this notice.

Information We May Share:
All financial institutions need to share clients’ personal information to run their everyday business. In the section below, we list the reasons financial institutions can share their clients’ nonpublic personal information; the reasons we choose to share; and whether you can limit the sharing.

Definitions:

Affiliates: Companies related by common ownership or control. They can be financial or nonfinancial companies. Our affiliates include:

Argent Trust Company, Argent Institutional Trust Company, Argent Trust Oklahoma, AmeriTrust Corporation, Heritage Trust Company, Salem Trust Company, Argent Advisors, Inc., Argent Retirement Plan Advisors, LLC, Argent Fiduciary Consulting Services, LLC, Argent Insurance Services, LLC, Argent Mineral Management, LLC, Highland Capital Management, LLC, Orleans Capital Management Corp., Argent Wealth, LLC, Argent Insurance, LLC, Funeral Services, Inc., Wynden Capital Management, LLC, Argent Solutions, LLC

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

Argent Financial Group, Inc., and its commonly owned affiliates, do not share with non-affiliates so they can market to you.

Joint Marketing: A formal agreement between non-affiliated companies that together market financial or non-financial products or services to you.

Argent Financial Group, Inc., and its commonly owned affiliates, do not jointly market.

Notice To Consumers Who Are Residents Of California:

I. Your Rights: The California Consumer Privacy Act (“CCPA”), as amended or superseded by state law, grants California residents (“Consumers”) the right to:

A. Know what personal information Argent Financial Group, Inc., and its commonly owned affiliates, including its subsidiaries and affiliates, has collected about you during the prior twelve months;

B. Know where Argent Financial Group, Inc., and its commonly owned affiliates, sells your personal information, and if so, to whom;

C. Give or withhold consent for Argent Financial Group, Inc., and its commonly owned affiliates, to sell your personal information;

D. Request that Argent Financial Group, Inc., and its commonly owned affiliates, disclose to you:

• The categories of personal information collected about you;
• The categories of sources from which the personal information is collected;
• The purpose for collecting the personal information;
• The categories of third parties with whom Argent Financial Group, Inc., and its commonly owned affiliates, shares personal information; and
• The specific pieces of personal information collected about you.

E. Request that Argent Financial Group, Inc., and its commonly owned affiliates, delete your personal information, to the extent possible; and

F. Receive non-discriminatory services and product pricing from Argent Financial Group, Inc., and its commonly owned affiliates, regardless of whether you exercise your privacy rights under the CCPA.

II. What Information Is Covered?

Personal information is defined under the CCPA to include any information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked with a particular consumer of household. Examples include social security numbers, account information, transaction histories, and other biometric data.

III. What Information Is Not Covered? 

Much of the personal information Argent Financial Group, Inc., and its commonly owned affiliates, collectively are already regulated by federal and state laws, and therefore is exempt from the CCPA. For instance, the CCPA does not apply to personal information collected or disclosed in connection with financial products or services that are used primarily for personal, family, or household purposes. The CCPA also does not apply to personal information that reflects a communication or transaction between Argent Financial Group, Inc., and its commonly owned affiliates, and another company, partnership, sole proprietorship, non-profit, or government agency, so long as that communication or transaction involves due diligence about Argent Financial Group, Inc., and its commonly owned affiliates, or other business, or Argent Financial Group, Inc., and its commonly owned affiliates, is providing or receiving a product or service. The CCPA also currently does not afford access or deletion rights to you if your information was collected and used by Argent Financial Group, Inc., and its commonly owned affiliates, in the context of your role as a job applicant, employee, director, officer, medical staff member, or contractor.

IV. Your Choices
Under the CCPA, a consumer who is a resident of California has the right to request that Argent Financial Group, Inc., and its commonly owned affiliates, delete any personal information about the consumer which Argent Financial Group, Inc., and its commonly owned affiliates, has collected from the consumer. Argent Financial Group, Inc., and its commonly owned affiliates, is not required to comply with a consumer’s request to delete if it is necessary to maintain the consumer’s personal information in order to, for example:

1. Complete the transaction for which the personal information was collected, provide a good or service requested by the consumer, or reasonably anticipated within the context of the ongoing business relationship with the consumer, or otherwise perform a contract between the business and the consumer;

2. Enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with Argent Financial Group, Inc., and its commonly owned affiliates; or

3. Comply with a legal obligation, such as a regulatory requirement to retain information for a period of time.

Consumers who are residents of California may request that Argent Financial Group, Inc., and its commonly owned affiliates, disclose to the consumer the specific pieces of personal information that Argent Financial Group, Inc., and its commonly owned affiliates, has collected about the consumer and may request deletion of their personal information by calling the toll-free number 800-375-4646 or emailing compliance@argenttrust.com. However, as noted above, there are provisions of the California Consumer Privacy Act of 2018 that permit us to retain your personal information, in which case we may be unable to fulfill your request.

Currently, Argent Financial Group, Inc., and its commonly owned affiliates, its subsidiaries and affiliates, do not sell your personal information. If in the future, Argent Financial Group, Inc., and its commonly owned affiliates, its subsidiaries and affiliates, seek to sell the personal information of California residents, it will provide notice and the opportunity to opt-out. California residents Argent Financial Group, Inc., and its commonly owned affiliates, known to be under the age of sixteen (16) would be opted out of the sale of their personal information.