Important Notice Concerning Customer Privacy
AT COUNTRY BANK we are committed to servicing the needs of our customers and we want you to understand how we protect your privacy when we collect and use information about you and how we safeguard that information.
This Notice will help you understand:
- Our security and confidentiality measures for handling our customer records and information.
- The type of information we collect about you and how it may be shared; and
- Our commitment in maintaining ongoing compliance with applicable law and regulations.
Our policy for protecting the confidentiality and privacy of our customers’ nonpublic personal information is achieved through the establishment of administrative, technical and physical safeguards.
Our employees are governed by our policies that include their responsibility to protect the confidentiality of our customers’ nonpublic personal information. Employees actively engaged in the discharge of their assigned duties are authorized to access or use the information we collect.
Information We Collect
We limit the use and collection of information about our customers to data that are necessary to administer our business, provide superior customer support, and offer services that are of interest to our customers. The bank will collect and use information to help identify and mitigate potential risk or loss, as well as identify additional bank products or services that we believe our customers might want to know about. We collect information as necessary to provide our customers their requested services from such sources including application forms, interviews, transactions from banking activity (known as experience data), credit agencies, government sources and public records. The type of information we collect depends upon the services being requested by the customer, but may include the following type of personally identifiable information: Name, Address, Telephone Number(s), Employment Information, Transactions (experience data), Social Security Number, Income and Credit or Debt obligations.
Protection of Information Collected through countrybankonline.com
When using Countrybankonline.com, we collect basic information that personally identifies you, such as e-mail address, name, age and zip code. If your log-on credentials for the site are forgotten, we rely on certain other information about you that was collected to verify your identity. The Countrybankonline.com site uses ‘cookie’ technology. A cookie is a piece of information which a web server may place on your computer when you visit a web site. Web sites commonly use cookies to improve the user experience and have not been known to harm your computer or to transmit computer viruses. At Country Bank, our cookies will track your activity relating to your online activity on our web site and to any of our online promotions. In addition to the information we collect from cookies, we also obtain information which you provide to us online—for example, when you are doing your online banking with us or when you communicate with us. In some cases, we retain both the cookie information and/or the information you provide to us online. Country Bank safeguards this information according to established internet security standards and procedures.
How We Share Information
To protect customer privacy, we carefully control the way in which any information is shared. We share information concerning a customer’s account history and experiences within the bank. We do not sell or provide current or past customer non-public personal information to any outside organization other that for the support or promotion of the bank’s products or services. The type of information we share depends upon the services provided, but may include the following type of nonpublic personal information: Name, Address, Telephone Number(s), or Transactions (experience data).
With Non Affiliated Third Party Relationships
COUNTRY BANK may hire a specific reputable company or vendor to provide operational support, to participate with us in supplying the bank’s products and services, or to promote the bank’s products and services on our behalf.
With Consumer Reporting Agencies & Other Companies
We will exchange information about our customers with reputable credit reporting agencies in accordance with standard industry practice and within the guidelines of the law, so we can verify the existence and condition of our customers’ account(s) and to prevent fraud.
With The Government
The Right to Financial Privacy Act, the Welfare Reform Act, the Bank Secrecy Act, Internal Revenues Code and various other State and Federal laws and regulations require the bank, under certain circumstances, to provide customer information to government agencies. We will only disclose customer information to the government or others when we are required to do so by such laws, regulations or by subpoena.
With 3rd Party Litigants
If you are involved in a legal proceeding, both federal and state law provide parties to the litigation the right to compel the production of records and information from banks and other third party record keepers in certain situations. We will only disclose customer information to third party litigants when we are required to do so by lawful judicial process or a subpoena.
Maintaining This Policy
This policy will be reviewed based on changing business conditions or changes in our information sharing practices. COUNTRY BANK reserves the right to change this policy at any time in accordance with applicable laws and regulations.
Inactive Customer Or Closed Accounts
If you decide to close your account(s) or end your customer relationship with us (i.e. pay off a loan), or otherwise become an inactive customer, we will continue to adhere to the privacy position disclosed in this notice.
How to Contact Us
If you have any questions related to the privacy of your personal information please call us at 212.818.9090, complete the online information request form, or you may write to us at:
Country Bank
200 East 42nd Street
New York, New York, 10017
Right to Change
We reserve the right to modify our privacy policies and procedures at any time.
