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Privacy Disclosure
Revised: June 15, 2008
The Board of Trustees, management, and staff of Huntingdon Valley Bank have always been and remain concerned and respectful of the privacy of customer’s 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 customers 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
Nonpublic, personal information does not include that which is available from government records, widely distributed media, or government-mandated disclosures.
TYPES OF INFORMATION THE BANK DISCLOSES
- To companies who perform transaction processing for the bank 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 programs.
- In connection with a securitization, secondary market sale (including servicing rights), or similar transaction.
- To third parties with which we have agreements to jointly offer a financial product or service, called (Joint Marketing Partners). We may disclose all information we collect about you but limit the information we supply to what is appropriate for the third party to fulfill their agreements with us. Before we disclose any information to them, they must agree, in writing, to keep your information confidential and use it only for the purposes we authorize.
- Examples of such third parties may include:
- Insurance companies or agencies
- Investment services companies or brokers
- Other financial institutions
- Insurance companies or agencies
- 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.
- To provide information to insurance rate advisory organizations, guaranty funds, 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.
WHAT INFORMATION DO WE DISCLOSE TO AFFILIATES AND THIRD PARTIES
We are permitted under the Fair Credit Reporting Act (FCRA) to share information about our experiences with you or your account with our affiliates. Information we share includes account balance and your payment records, if applicable. The FCRA also permits us to share additional information about you or your account, including information we received from your applications and from credit reporting agencies with our affiliates, for marketing purposes, provided that we inform you that we may do this and give you the opportunity to prevent us from sharing the application and credit bureau information, (“restricted information”). Therefore, you may direct Huntingdon Valley Bank not to share “restricted” information” with our affiliates by “opting out.” This opt out does not apply to information that relates solely to our experiences with you or your account, such as payment history or other similar information.
Finally, we may disclose nonpublic, personal information about you to "nonaffiliated third parties" to provide you with additional services. You have the right to opt out of these disclosures in the same manner as the “restricted information” from affiliates.
The bank reserves the right to share all information it collects in accordance with the circumstances stated above.
Your choice to limit information sharing (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. Your opt out will also cover sharing with affiliates of the bank with regards to “restricted information.” To exercise this right, please call (215) 947-1300 x205 or mail us at 650 Louis Dr. Ste 100, Warminster PA 18974. You may exercise or cancel this option at any time. If you notified us previously, your election will remain in effect until revoked by you.
If you elect to opt out at the time your account is established or your application is processed, we will honor your request immediately. If you notify us later, we will stop sharing your information within a reasonable time, normally within 30 days.
SAFEGUARDING CUSTOMER INFORMATION
We restrict access to non-public information to those employees who need to access such information to provide you with products or services. 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.
WHAT CAN YOU 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, PINs (Personal Identification Numbers) and passwords. Never keep your PIN with your cards.
- Use discretion when disclosing your account numbers, social security numbers.
- Do not provide information to anyone who says they are from your bank and asks for account numbers or PINs, regardless of how convincing they are.
- Make sure we have current information about you, such as addresses and telephone numbers.
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 website. 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 website 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 website 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.
If you are sending electronic mail to Huntingdon Valley Bank, we want to remind you that e-mail is not necessarily secure against interception. If your information is very sensitive, or includes personal or confidential information, such as your bank account, charge card, or social security number, you may want to send it by postal mail to one of the addresses listed in the Locations page of this website.
TERMS OF USE
Huntingdon Valley Bank provides this website 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 website, you agree to comply with the terms and conditions stated herein.
Authorization. Unless otherwise noted, all materials on this website 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's website may provide links to other third-party websites. 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. Upon activation of a link, you will see a pop-up alert notifying you that you are leaving Huntingdon Valley Bank’s website.
Trademarks: Trademarks and/or logos of Huntingdon Valley Bank and other proprietary marks used in this website 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 website, 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 website.
CORRECTING ERRORS
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
CHANGES TO OUR PRIVACY POLICY
If we change our policy or practice, for example, by 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.
QUESTIONS
If you have any questions about our Privacy Statement, please contact our Privacy Administrator, at (215) 947-1300 extension 205.
