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       PRIVACY NOTICE

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We Know You Care about Your Financial Privacy

Since 1869, South Adams Savings Bank has been committed to the principle that maintaining the privacy and integrity of a person’s personal and financial information is fundamental to retaining customer trust. Our officers and staff are committed to preserving the confidentiality of your information, and ensuring that safeguards and procedures are in place to protect it.  We recognize that preserving the privacy of your financial affairs is one of our vital responsibilities. We have provided this brochure to disclose our privacy policy to you, and explain how we safeguard your financial information.

 

We Respect Your Privacy

South Adams Savings Bank does not reveal specific information about customers or their accounts to non-affiliated third parties that are not directly involved in providing our banking services to you, except as permitted by law or at your request. We safeguard information in the same manner for both our current and former customers.  We will continue our commitment to preserve and protect your privacy as technology evolves in the twenty-first century.

 

Categories of Information That We May Collect

South Adams Savings Bank collects information about you for specific business purposes, and retains it as required by law.  We use the information to administer your accounts, records, and funds, and to help us improve our service to you. 

Sources of the information we collect include:

·       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, such as your account balance, payment history, parties to transactions, and ATM or debit card usage.

·       Information we receive from a consumer-reporting agency regarding your credit history.

Categories of Information That We Disclose

We respect the privacy of our customers and do not reveal personal or transactional information to companies that are not affiliated with us for their independent use unless the disclosed information is:

·         requested or authorized by you, the customer;

·         required to complete a customer initiated transaction;

·         an exchange of information with a reputable information reporting agency (such as a credit bureau);

·         to comply with a legal action (such as a subpoena or court order), as required by regulation during an exam, or by statute;

·         to facilitate bona fide bank business, including marketing of our products.

·         to make available products or services that are offered by a non-affiliated third party that is under contract to provide these services. See section on Information Sharing for more details.

At times, it may be necessary to provide customer information to parties we hire to support our products and services (such as the company who prints your checks or one that prepares your statement). 

South Adams Savings Bank will require that these companies agree to adhere to the same high standards of confidentiality that we hold and that they maintain privacy principles that will protect and safeguard your confidential information.

 

Information Sharing: We may share the information we collect about you (as described above) with certain non-affiliated third party companies as listed in this section. These non-affiliates are not owned or controlled by us, but are companies we may contract with to provide you with convenient access to other products and services or because these companies help us perform necessary business functions or services.

 

Financial Service Providers such as the (i) securities broker-dealer we use to provide you with investment services, (ii) credit card company that issues credit cards for SASB customers, (iii) other financial firms we may have joint marketing arrangements with from time to time.

 

Non-Financial Companies that we may have joint marketing arrangements with, such as the marketing firms used by us for customer surveys and direct mailings, and the printing vendor we use for printing of checks for customers.

 

Data Processing Companies and other similar vendors we contract with to carry out transactions initiated by you or to carry out our day-to-day business and record keeping.

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
 

Employee Access and Internal Security

All South Adams Savings Bank employees are required to follow the Bank’s Code of Conduct Policy as it relates to confidentiality.  All customer information is considered private and privileged, and may be accessed only as needed to provide you with the finest customer service. Additionally, the Bank employs advanced security technology to safeguard all of our data and prevent unauthorized access to customer information.  Access to this information occurs only in accordance with strictly defined internal security standards.

Contact Us

We want you to understand South Adams Savings Bank’s commitment to your privacy, and how and when we use the information you provide to us. We have established procedures to help ensure your personal and financial information is current, accurate, and complete.  If you ever believe our records are not accurate, please notify us.  We will promptly make appropriate corrections as needed. If you have any questions regarding these privacy principles, please contact us at:  P.O. Box 306, Adams, MA 01220 or phone us at: (413) 743-0040.

Disclosing our Privacy Principles to You
We want you to understand South Adams Savings Bank’s commitment to your privacy, and how and when we use the information you provide to us. If you have any questions regarding these privacy principles, please contact your local branch, or e-mail us at sasb@sasavings.com. If you choose to contact us via e-mail, please keep in mind that e-mail is not secured, and sensitive information, such as your account number, should not be transmitted through e-mail.  If you need to communicate sensitive information to us please use these links.

 


 

THIS NOTICE CONTAINS INFORMATION ABOUT THE PROTECTION OF PERSONAL INFORMATION THAT SOUTH ADAMS SAVINGS BANK COLLECTS ABOUT YOU, OUR CUSTOMERS, AND HOW THE INFORMATION WE COLLECT IS USED AND SAFEGUARDED.

OPT OUT – If you prefer that we not disclose nonpublic personal information about you to any nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may complete and return the form below.

 

 

 Please do not allow your affiliates to use my personal information to market to me.

 

Name: ___________________________

 

Address:  _________________________

 

 

 

 

 

Telephone:  __________________

 

Print and mail to:

South Adams Savings Bank

Operations Department

P.O. BOX 306

Adams, MA  01220         

 




MAIN BRANCH: 2 CENTER STREET, ADAMS, MA 01220 PH: (413) 743.0040 FAX: (413) 743.9548
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