NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
Your trust is the cornerstone of our relationship. That is why we work so diligently to safeguard your privacy. The information that you provide us is kept in the strictest of confidence. We have no intention of selling personal information about our customers to third-party businesses. We are proud to make that commitment to you, because your trust is the foundation of our business.
The following privacy policy explains how we use and protect the information about our customers. We ask that you read it carefully.
We, our and us, when used in this notice, mean Sugar River Bank.
This is our privacy policy to 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 a(n)
- Deposit Account
- Loan Account
- Safe Deposit box
- Former customers
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.
We first define some 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 nonaffiliated third party, or simply, an “other party.”
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
- Information you give us on applications or other forms
- Information about your transactions with us
- Information about your transactions with our affiliates
- Information about your transactions with other parties
- Information from a consumer reporting agency
- Information we receive as a result of verifying customer information
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 to protect this information.
Online Privacy Policy
When you are just browsing we do not collect, capture, or retain personal information. If you request an online application for one of our products or services, or log in to view your accounts, our Web site will request information such as your email address or your account number, via an online form. This information allows you to perform certain tasks (for example, correspond with us or view your accounts). Also, it allows us to provide the information you requested. In these cases, we collect only the information necessary to interact with you. If you do not interact with us as you browse our Web site anonymously, any personal information, such as your email address, is not collected. We gather data that is not personally identifiable to you to track Web site usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our sites.
Cookies:
Cookies are pieces of data assigned by a Web server to the browser on your PC. When a user logs into Sugar River Bank Online Banking, the website sends three cookies to their computer. The Cookies are only valid for one session, each time a user logs in, they receive a new set of cookies. We use the cookies to ensure that the user has entered a valid Online Banking ID and PIN and to ensure that the user’s session hasn’t timed out. Contrary to reports about cookies and online privacy, cookies do not contain viruses and most cannot reveal any personally identifiable information about you unless you willingly provide it as a user on a site.
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 have the same policy about disclosing information about former customers as we do about current customers.
AUTHORIZED SHARING – JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:
- Information you give us on an application or other form such as:
- Name
- Address
Federal law allows us to disclose the information listed above with other financial institutions with which we have joint marketing agreements. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Types of Businesses
We may disclose information pursuant to joint marketing agreement to the following types of businesses:
- Financial service providers such as insurance agents
Reasons For Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.
