Privacy Policies
Southbridge Savings Bank Privacy Policy
We value the trust that you place in us and in this online service. We know that customers expect privacy and confidentiality in all dealings with our company, and we pledge that we will take the steps necessary to protect the privacy of information shared with us. No action can be taken involving your data without your prior consent.
What types of non-public personal information do we collect about you?
We collect and retain data from individual customers including information we receive from you on applications and other forms and information about your transactions with us and other parties.
Do we disclose to affiliated or non-affiliated third parties your non-public personal information?
We may disclose the following kinds of nonpublic personal information about you to affiliated or non-affiliated third parties such as financial service providers, ATM networks, and payment processors:
- Information we receive from you on application forms such as your name and account numbers.
- Information about your transactions with us or others such as account balance, payment history, parties to transactions, and usage of our system.
We will not reveal specific information about customer accounts or other personally identifiable data to affiliated or unaffiliated third parties except as follows:
- When the information is required to complete a transaction that you initiate;
- When you request it;
- When disclosure is required by law (e.g. subpoena, investigation of fraud, etc.); or
- When you have been informed about the possibility of disclosure for marketing or similar purposes and you are given the opportunity to decline or opt out.
We can personalize this service based on the information you provide to us, if you tell us you want this. However, if you prefer that we not disclose nonpublic personal information about you for marketing or similar purposes, you can opt out of such disclosures and direct us not to disclose any information except as permitted by law. By declining, you will not be included in personalized marketing offers from non-affiliated third parties. The choice to decline will be presented to you at the time a service is offered.
Business Relationships with Third Parties
We agree that we will not share information with third parties who do not adhere to similar privacy principles and practices as ours.
Children's Online Privacy
The law requires parental consent to collect or use information from a child under 13. If you are a child under 13, please show this to your parents and do not use the online services of this institution without verifiable parental consent pursuant to the Children's Online Privacy Protection Act.
What is our policy relating to former customers?
If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices described in this notice.
Information Security and Accuracy
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal requirements to guard your nonpublic personal information. Procedures exist to ensure that customer financial information is accurate, current and complete. Our staff responds to requests to correct inaccurate information in a timely manner.
AHB Reverse / American Home Bank Privacy Policy
At First National, we are committed to safeguarding customer information, because your privacy is a priority to us. The information that you provide us is kept in the strictest of confidence. 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.
Notice Of Your Financial Privacy Rights
We, our and us, when used in this notice, refer to First National. This is our privacy notice to our customers. When we use the words "you" and "your" we mean the following types to customers:
All of our consumer customers who have a continuing relationship with us, such as:
- Deposit Account
- Loan Account
- Credit Card
- Safe Deposit Box
- Automobile Lease We Service
- Financial, Investment or Economic Advisory Services (for a fee)
- Home Mortgage Brokerage
We will explain the sources for nonpublic personal information that we collect on our customers. We will tell you what measures we take to secure that information.
We will first define some of our 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.
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 does mean owning enough to have control.
A Nonaffiliated Third Party is a company that is not an affiliate of ours.
The Information That We Collect
We collect 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
- Information about your transactions with nonaffiliated third parties
- Information from a consumer reporting agency
Information We Disclose About You
Sharing Information Within Our Family of Companies
We may share the information we collect about present and former customers within our family of companies. Our "family" is the group of companies related to us by common control of ownership. We share information within this family as a normal part of conducting company business and offering products and services to customers. This sharing of information is limited. Shared information includes identifying information and information we get from our dealing with you and the relationship you have with us.
Sharing Information with Nonaffiliated Third Parties
We may share customer information about present and former customers with the following types of companies:
- Select financial service providers who participate in joint marketing programs with us: such as motor vehicle dealers providing vehicle financing; and also others who provide products or services on our behalf such as mortgage bankers providing real estate loans, securities broker-dealers providing stock trading, credit card companies, and insurance agents, brokers, or underwriting companies providing auto and other types of insurance.
- Financial service providers and non-financial companies who provide services for us or on our behalf, such as companies that prepare account invoices or statements, help us service accounts, promote and market our products, provide computer and systems support and other services.
- Others, such as independent contractors or suppliers.
Unrelated companies receiving customer information from us enter agreements with us to protect the information they receive before information is provided. We do not share customer information with other companies unless an agreement to protect customer information is in place, except as otherwise permitted by law.
The Confidentiality, Security And Integrity Of Your Nonpublic Personal Information
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 standards to guard your nonpublic personal information.
Future Changes
This notice updates and replaces any previous notices you may have received from us about the collection, use and protection of customer information. We may change this privacy notice at any time and if we do, we will notify you as required by law.
To limit the disclosure of your information, click here (pdf).
Internet Privacy Policy
First National is concerned about maintaining the privacy of the information that you provide to us through the use of our web site.
Collection of Information
In an effort to meet the ever changing needs of our customers, we collect non-identifying information, including date and time of access, pages visited, services used, and visitor location. This data allows us to tailor our site to provide descriptions of the products and services that we offer to our web visitors.
Visitors may choose to submit identifying information in a number of ways, for example, submitting an application, sending e-mail or requesting that specific information be sent to you. First National will not disseminate nor sell this personal data to any other organization.
Employee Access
Identifying information is stored in secure computer systems. Only employees who must use the data for reasonable business purposes will have access to it. All of our employees have been made aware of this policy, and it is strictly enforced.
