Protecting your privacy is important to us. We want you to understand what information we collect and how we use it. In order to provide you with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain information about you. The following policy serves as a standard for all our employees regarding the collection, use, retention, and security of nonpublic personal information.

“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, this includes information regarding your account balance, payment history, and overdraft history.

Information We Collect

We may 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, our affiliates or others; and
  • Information we receive from third parties such as consumer reporting agencies
  • E-mail and electronic information sources
  • Information you supply so that we may comply with government mandated program.

Information We Disclose

We do not disclose any nonpublic personal information about our members or former members to anyone, except as permitted by law.

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements:
  • Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
  • Information about your transactions with us, our affiliates or others, such as your account balance, payment history, parties to transactions, and credit card usage; and
  • Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
If you decide to terminate your membership or become an inactive member, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures

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.

FAIR CREDIT REPORTING ACT DISCLOSURE--applies only to non-commercial customers

Notice of Your Opportunity to Opt Out of Information Sharing With Companies In Our Corporate Family

Under the Fair Credit Reporting Act, we are permitted by law to share with our affiliates information concerning a customer’s account history and experiences with us.

Information We Can Share With Our Corporate Family About You--Unless You Tell Us Not To

What Information: Unless you tell us not to, we may share with companies in our corporate family information about you including:
  • Information we obtain from your application, such as your income or marital status;
  • Information we obtain from a consumer report, such as your credit score or credit history;
  • Information we obtain to verify representations made by you, such as your open lines of credit; and
  • Information we obtain from a person regarding its employment, credit, or other relationship with you, such as your employment history
Shared With Whom: Companies in our corporate family who may receive this information are:
  • Financial service providers, such as mortgage bankers, broker-dealers, and insurance agents; and
  • Non-financial companies, such as retailers, direct marketers, airlines, and publishers.
How To Tell Us Not To Share This Information With Our Corporate Family
If you prefer that we not share this information with companies in our corporate family, you may direct us not to share this information by calling us at 781-598-5555.

Joint Relationships: If two or more customers jointly obtain a product or service from us (joint customers), we will treat a do-not-share instruction by one of the joint customers as applying to that customer only--unless the customer notifies us that he or she is acting on behalf of other joint customers for that product or service.

NOTE: Your direction in this paragraph covers certain information about you that we might otherwise share with our corporate family. We may share other information about you with our corporate family as permitted by law.

 

 



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