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Privacy Policy

We, our and us, when used in this notice, mean Beacon Bank. This is our privacy notice for 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
  • Credit Card Account
  • Safe Deposit Box
  • Retail Installment Contract We Hold and Service
  • Mortgage Brokerage Services

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.

Choose a section for more information on our Privacy Policy:

  • DEFINITION OF TERMS
  • THE INFORMATION WE COLLECT
  • COOKIES
  • THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
  • YOUR INFORMATION AND OTHER PARTIES
  • INFORMATION ABOUT FORMER CUSTOMERS
  • AUTHORIZED SHARING – OUTSIDE MARKETING SERVICES
  • 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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