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Privacy Disclosure
Revised: June 15, 2007
The Board of Trustees, management, and staff of Huntingdon Valley Bank are concerned about and respect the privacy of customers’/consumers’ personal financial information. We understand that our customers furnish sensitive information to the bank, and the bank is committed to treating such information responsibly.
The bank will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers. The following privacy policy and disclosure outlines our bank’s practice regarding personally identifiable financial information for consumers and those consumers who become our customers. If you decide to close your accounts or become an inactive customer, we will still adhere to the policies and practices described in this disclosure.
TYPES OF INFORMATION THE BANK COLLECTS
At Huntingdon Valley Bank we collect nonpublic, personal information about you from many sources, including the following:
- Information we receive from you on applications or other forms
- Information about your transactions with us, our affiliates, or others
- Information we receive from a consumer reporting agency
- Information from public records accessed in the ordinary course of business
TYPES OF INFORMATION THE BANK DISCLOSES
The bank does not disclose personal financial information except as outlined in this disclosure. By law the bank may disclose certain personally identifiable information without allowing consumers the right to opt out of the banks sharing agreements under the following circumstances:
- To companies who perform transaction processing for the bank in the following circumstances:
- If the transaction, service, or product is requested or authorized by the consumer
- To maintain or service a consumer’s account as part of a private label credit card or other loan extension program
- In connection with a securitization, secondary market sale (including servicing rights), or similar transaction related to a consumer
- To companies that perform marketing services on our behalf or with whom we have joint marketing agreements.
- To disclose information necessary to enforce the bank’s legal or contractual rights or the rights of any other person who is engaged in the financial transaction
- To disclose information required in the ordinary course of banking business, such as the settlement of claims or benefits, the confirmation of information to the consumer or the consumer’s agent, and the billing, processing, or clearing of items in the normal course of business.
- To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating the bank, persons who are assessing the bank’s compliance with industry standards, and the bank’s attorneys, accountants, and auditors
- To the extent permissible under the Right to Financial Privacy Act
- To a consumer reporting agency under the Fair Credit Reporting Act
- To comply with federal, state, or local laws, rules and or regulations and other applicable legal requirements
Unaffiliated Third Parties, These are companies unrelated to Huntingdon Valley Bank by common ownership but provide additional services to enhance the product line offered by Huntingdon Valley Bank. Each relationship with Huntingdon Valley Bank is governed by a written security agreement wherein the third party company agrees not to use any of your personal information except for the purpose outlined in the contract with Huntingdon Valley Bank. These agreements are with companies such as mortgage banking, insurance companies, brokerage companies and finance companies. These third parties are not permitted to use your information except for the purposed outlined in the agreement between them and Huntingdon Valley Bank. These agreements may be joint marketing agreements, for which no opt out is offered and other arrangements to provide you with products and services.
Your right to opt-out, Unless the disclosure is permitted by applicable law, you have the right to instruct the bank not to share your nonpublic personal information with non-affiliated third parties. To exercise this right, please call us at 215-947-1300 x205. You may exercise or cancel this option at any time.
If you sign the opt-out notice at the time your account is established or application processes, we will honor your request immediately. If you notify us later, we will stop sharing your information within a reasonable time. If you opt out at a time other than at account opening please include the following information with your request.
Full Name, Social Security Number
The bank reserves the right to share all information it collects in accordance with the circumstances stated above.
SAFEGUARDING CUSTOMER INFORMATION
We restrict access to non-public information to those employees who need to access information to provide products or services to our customers. We maintain physical, electronic, and procedural safeguards to guard your non-public personal information. We educate our employees on these procedures and about the importance of confidentiality and customer privacy.
If we change our policy or practice by, for example, adding a category of information that we will disclose to a third party, we will notify existing customers and give them an appropriate time period to opt out of the disclosure.
What you Can Do to Help
Huntingdon Valley Bank is committed to protecting the privacy of its customers. Customers can help by following these simple guidelines:
- Protect your account numbers, plastic card numbers, PINs (Personal Identification Numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
- Use caution when disclosing your account numbers, social security numbers, etc. to other persons.
- If someone calls you explaining the call is on behalf of the bank and asks for your account number, you should beware. Legitimate bank personnel will never ask you to provide private personal information they already have.
- Keep your information with us current. If your address or phone number changes, please let us know.
- It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
If you ever find any errors with your account or loan information, please call us at 215-947-1300. It is our policy to investigate and correct errors in a timely manner.
HOW WE HANDLE YOU’RE INTERNET PRIVACY
Huntingdon Valley Bank respects your privacy when using and accessing information about us over the Internet through this web site. We do not sell or distribute user information to third parties. We gather user information and will distribute this information within Huntingdon Valley Bank in order to serve your needs and respond to your information requests. We use these guidelines in protecting your privacy.
- Gathering of User Information. We collect information about our Web visitors indirectly through our Internet access logs. When you access huntingdonvalleybank.com, your browser's domain name and Internet address is automatically collected and is placed in our Internet access logs. We use this information to learn about which pages and information our Web site visitors access and how often. We also collect user information when you voluntarily submit it to us on our e-mail contact form. When we collect this type of information, we intend to use the information to determine how we can meet your needs and respond to your requests. It is completely up to you whether you want to provide this information.
- Use of Cookies. The Huntingdon Valley Bank Web site only minimally uses cookies to assign a "User I.D." Cookies are small files of information, which save specific information about your visit. The cookies we use identify you merely as a number and are used only to assist in producing overall site statistics. Cookies, by themselves, cannot be used to find out the identity of any user. Unless you specifically tell us who you are by completing a contact form, we will never know who you are although we assign you a cookie. If you are uncomfortable regarding the use of cookies, you can disable cookies on your computer by changing the settings in preferences or options menu in your web browser.
- Disclosure of User Information. Huntingdon Valley Bank will not sell or distribute user information to third- parties. If you have voluntarily submitted user information to us through an e-mail or contact form, Huntingdon Valley Bank maintains your security by ensuring the information is only distributed within Huntingdon Valley Bank. This enables us to respond to your request about a product or service.
TERMS OF USE
Huntingdon Valley Bank provides this web site to provide information about Huntingdon Valley Bank’s products and services to our current and potential customers and others who wish to learn about Huntingdon Valley Bank. By using our web site you agree to comply with the terms and conditions stated herein.
- Authorization. Unless otherwise noted, all materials on this web site are the property of Huntingdon Valley Bank. You may view, print and use the information on this site solely for your personal, informational use. Unauthorized use of this information is strictly prohibited.
- External Links. Huntingdon Valley Bank Web site may provide links to other third party web sites. Even if the third party is affiliated with Huntingdon Valley Bank through a business partnership or otherwise, Huntingdon Valley Bank is not responsible for, practices or the content of linked sites. These links are provided to you for convenience only, and you access them at your own risk. You will see a pop-up alert notifying you that you are leaving Huntingdon Valley Bank’s web site upon activation of a link.
- Trademarks: Trademarks and/or logos of Huntingdon Valley Bank and other proprietary marks used in this web site are the property of Huntingdon Valley Bank and their respective owner(s). You may not use any of these marks or logos without the express permission of Huntingdon Valley Bank or the respective owner(s).
- Indemnity: In consideration for your use of this web site you agree to hold Huntingdon Valley Bank harmless from any and all claims, consequential or otherwise, and to reimburse Huntingdon Valley Bank for its reasonable attorney’s fees and costs arising from your use or misuse of this web site.
We may at times change this online privacy policy statement. We might, for example, change our online privacy policy to conform with changes that have been made to state or federal law. Or we might change our online privacy policy so that it conforms with changes made to our web site.
QUESTIONS
If you have any questions about our Privacy Statement, please contact our Privacy Administrator, at (215) 947-1300 extension 205.
GENERAL PRIVACY DISCLOSURES
Huntingdon Valley Bank will be pleased to provide you a copy of our general Privacy Disclosure upon request. Call us at 215-947-1300 or write us at 2617 Huntingdon Pike Huntingdon Valley PA 19006 Huntingdon Pike PA 19006.
