Expectations of Privacy
customers’ trust is our most
important asset. We
understand that a key to maintaining that trust is meeting our
customers’ concerns about the privacy of nonpublic personal
personal financial information is non-publicly available information
about an individual who applies for or receives a financial product or
service from us for personal, family or household purposes. We
recognize that our customers are concerned about the confidentiality
and security of nonpublic personal financial information and expect us
to obtain, keep and use the information in an appropriate and
responsible fashion. Doing
so is a responsibility we take seriously.
Keeping and Using Information
keeping and using information is
the core of our business because we must do those things to serve our
customers in their financial relationships with us.
obtain, keep and use many types of information, including nonpublic
personal financial information.
But we limit the
obtaining, keeping and use of nonpublic personal financial information
to lawful information we believe useful in conducting our business,
complying with applicable law, providing quality service to consumers
and offering products, services and opportunities to consumers.
of Accurate Information
that it is important to our customers that we maintain the accuracy of
information concerning their financial relationships with us, and we
have established procedures to maintain the accuracy of the information
in accordance with reasonable commercial standards.
procedures include responding in a timely manner to a request from one
of our customers to correct any information concerning his or her
financial relationships with us that he or she believes is incomplete,
not current or otherwise inaccurate and taking steps to correct the
information if we determine it to be inaccurate.
Employee Access to Information
our employees on the importance of maintaining the confidentiality and
security of nonpublic personal financial information.
limit access by our employees to nonpublic personal financial
information to employees who have a business reason for knowing the
information and who have been trained in the proper handling of the
established procedures to protect against unauthorized access to
nonpublic personal financial information by our employees.
the procedures, any of our employees who obtain unauthorized access to
nonpublic personal financial information is subject to appropriate
Against Unauthorized Access to
the importance of providing safeguards on access to nonpublic personal
have established security procedures and physical and electronic
measures to protect against unauthorized access to nonpublic personal
on Disclosure of Information
We do not
disclose nonpublic personal financial information to nonaffiliated
third parties (including government agencies) except as allowed by and
in accordance with applicable law. Examples
of circumstances in which we may disclose nonpublic personal financial
information of a consumer to a nonaffiliated third party are:
purposes of credit reporting, credit verification, risk management or
complete a transaction requested or authorized by the consumer;
authorized to by the consumer;
protect the confidentiality or security of records relating to the
consumer, an account of the consumer or a transaction involving the
prevent fraud or an unauthorized transaction;
comply with applicable law in connection with a legal proceeding or
governmental investigation or examination; and
described below in the section entitled “Maintaining Customer
Privacy in Business Relationships With Nonaffiliated Third
Customer Privacy in Business
Relationships With Nonaffiliated Third Parties
customers in their financial relationships with us, we occasionally
contract with nonaffiliated third parties (for example, check-printing
and data processing companies) to perform services for us.
disclose nonpublic personal financial information to those
nonaffiliated third parties but only to the extent necessary for them
to perform those services, and we require them to keep and use the
information only as we intend it to be kept and used and to disclose it
only as allowed by and in accordance with applicable law.
Disclosure of Information for Marketing
We do not
disclose any nonpublic personal financial information to nonaffiliated
third parties for marketing purposes.
can call us at 518-234-4397, write us at 857 East Main Street,
Cobleskill, NY 12043, or contact us at firstname.lastname@example.org
operators of a business and does not apply to corporations and other
We reserve the
contract, create any legal right, or change any agreement between us
and any of our customers or anyone else.