Privacy Statement


We have decided not to share information about our customers outside of our corporate family unless it is permitted (or required) by applicable laws and regulations. You do not need to take any further action.

We recognize and respect your personal privacy rights. We realize that you entrust us with personal information, and we take this trust very seriously. It is our policy to maintain your information in a confidential manner, and we are committed to providing our customers with the highest level of security and privacy regarding the collection and use of personal information. Although we are bankers, we are also consumers and aim to treat our customers the same way we want to be treated.

We want you to understand what information we collect, how we use it, and what we do to keep it secure.

Information We Collect

We collect publicly available information and nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates, or others;
  • Information we receive from others, such as credit bureaus, appraisers, or employers;
  • Information about other credit relationships when we verify the personal information you have provided us.

How We Use Your Information

We use our collected information to service your account and administer your customer relationship. Information may be shared or used within our family of companies for a number of authorized purposes, such as:

  • To protect your accounts from unauthorized use or identity theft;
  • To process the transactions that you have requested,
  • To service your account;
  • To offer our own products and services when we feel that our customers would benefit from knowing about such products and services.

How We Protect Your Information

We limit access to customer information to only those employees who need the information to perform their specific responsibilities. Access is permitted on a “need to know” basis. We have and use internal policies and electronic safeguards that prevent the sharing of information that is not required by an employee to complete their job functions. We train our employees to safeguard customer information and incorporate internal policies that cover the unauthorized disclosure or use of that information. We require companies that we do business with to also adhere to these standards.

Disclosures Permitted by Law

We do not disclose customer information to affiliated or nonaffiliated third parties except as permitted by law. The primary laws that govern this issue on the federal level are the Gramm-Leach-Bliley Act of 1999, Regulation P, “Privacy of Consumer Financial Information,”; and The Fair Credit Reporting Act. We will gladly provide further information about these laws if you desire.


Visitors to this website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

  • Date and time our site was accessed
  • IP address
  • Web browser used
  • City, state, and country

We use this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may provide us with personal information via email, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations. Some areas of our website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the webserver to log the pages the visitor uses within the site and to know if the site has been visited previously.

© Joel Richardson. All Rights Reserved. | This website is operated by Joel Richardson, who is currently an employee of VeraBank, N.A. (“VeraBank”) The views expressed on this website are not necessarily those of VeraBank. This website also has its own privacy policy, which may differ from VeraBank’s privacy policy. VeraBank makes no express or implied warranty regarding the information or data on this website, and hereby expressly disclaims all legal liability and responsibility to persons or entities who use or access this site and its content, based on their reliance on any information or data that is available through this website. Joel Richardson has sole responsibility for the information and data on this website. Deposit and loan products described on this website are offered through VeraBank, Member FDIC. To visit VeraBank’s website, here.