AUTHORIZED SHARING – JOINT MARKETING
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 or ours. This is also known as nonaffiliated third party, or simply, an “other party.”
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THE INFORMATION WE COLLECT
We collect information about you from the following sources:
- Information you give us on an application or other forms
- Information about your transactions with us
- Information about your transactions with other parties
- Information from a consumer reporting agency
- Information we receive as a result of verifying customer information
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COOKIES
To provide better service and a more effective Web site, we use "cookies" as part of our interaction with our customer's browsers. A "cookie" is a small text file placed on our customer's hard drive by our Web Page Server. A cookie cannot retrieve any other data from a hard drive, pass on computer viruses, or capture an e-mail address. Cookies are commonly used on Web sites and do not harm our customer's system.
We use cookies in places where our customers need to register, such as Internet banking, or where our customers are able to customize the information they see. Recording a cookie at such points makes the online experience easier and more personalized. We also use cookies to identify what sections of our site our customers visit most so we can continue to provide more information on the topics and subjects our customers have demonstrated interest in. These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who our customers are or an e-mail address. By configuring preferences or options in the browser, our customers can determine if and how a cookie will be accepted.
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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 and services to you. We maintain physical, electronic and procedural safeguards to protect this information.
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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. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.
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INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law.
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AUTHORIZED SHARING – OUTSIDE MARKETING SERVICES
We may disclose the following information to companies that perform marketing services on our behalf:
- Information you give us on an application or other forms, such as:
-Name
-Address
We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosures of this information. We may also disclose information about you to other outside marketing services as permitted by law.
Types of Businesses
Here are the types of businesses with whom we may disclose information for outside marketing purposes:
- Service providers that perform marketing services for us
- Direct Sales Companies
Reasons for Disclosing
We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.
Limitations on Disclosure
Here are the limitations we impose on the use of information disclosed to companies that perform marketing services on our behalf:
- We only allow direct mail solicitations.
- We do not allow telephone solicitations.
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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 forms, such as:
- Name
- Address
- Social Security Number
We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.
State Limitations
We will not share this information about customers who reside in the following state(s):
- Alaska
- Alabama
- Idaho
- Vermont
We will not share this information derived from deposit relationships with us about customers who reside in the following state(s):
- Massachusetts
- Mississippi
- New Jersey
We will not share this information about our customers who reside in Illinois with other parties.
Types of Businesses
We may disclose information pursuant to joint marketing agreements to the following types of businesses:
- Financial Service Providers, such as:
- Private Label Credit Card Issuers
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.
Limitations on Disclosures
Here are the limitations we impose on the use of information disclosed to other financial institutions with whom we have joint marketing agreements:
- We do not allow telephone solicitations.
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