Privacy Policy

Privacy Disclosure 

Revised: June 15, 2009

The Board of Trustees, management and staff of Huntingdon Valley Bank are committed to protect the privacy of customers’ private, personal information. We understand that customers furnish sensitive information to us, and the bank will treat such information responsibly and in accordance with the law. The following disclosure outlines the bank's policies and practices regarding personally identifiable information. Our policy tells you about the information that we collect about you and to whom we may disclose that information.  Some terminology that we will use throughout this disclosure follows:

Nonpublic, Personal Information. Nonpublic, personal information is information that is collected when providing a financial product or service to you. Nonpublic, personal information does not include information that is available from public sources, such as telephone directories or government records.

Everyday Business Purpose. The actions necessary to run our institution and manage customer accounts, such as processing transactions, mailing and auditing services, providing information to credit bureaus, responding to court orders and legal investigations.

Nonaffiliated Third Parties. Nonaffiliated Third Parties are companies that do not share common ownership or control with us. They can be financial or non-financial companies.

Joint Marketing. Joint marketing is a formal arrangement between nonaffiliated financial companies, such as credit card companies, that work together to market products or services to you.

Affiliate. An affiliate is a company related by common ownership or control. At this time, Huntingdon Valley Bank has no affiliates.

INFORMATION WE COLLECT ABOUT YOU

We collect non-public, 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 

-Information we receive from a consumer-reporting agency 

INFORMATION ABOUT FORMER CUSTOMERS.  This policy applies to both our former and current customers.

CATEGORIES OF NONPUBLIC, PERSONAL INFORMATION WE MAY DISCLOSE

We may disclose the following kinds of non-public, personal information about you:

-Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income

-Information we receive about our customers from transactions with us or others, such as their account balance. payment history, parties to a transaction and credit usage.

-Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history

CATEGORIES OF NONAFFILIATED THIRD PARTIES TO WHOM WE MAY DISCLOSE

We may disclose nonpublic, personal information about you to the following types of nonaffiliated third parties:

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

CATEGORIES OF NONAFFILIATED THIRD PARTIES TO WHOM WE RESERVE THE RIGHT TO DISCLOSE

We reserve the right to disclose nonpublic, personal information about you to the following types of nonaffiliated third parties:

-Financial service providers, such as mortgage bankers, securities broker-dealers or insurance agents. We may also disclose nonpublic, personal information about you to nonaffiliated third parties as permitted by law.

SERVICE PROVIDERS AND JOINT MARKETERS

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 we receive about customers from transactions with us or others, such as account balance, payment history, parties to a transaction, and credit usage

-Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history

The entities with whom we share nonpublic, personal information are service providers that perform marketing services on our behalf and on behalf of another financial institution; and a financial institution with whom we have a joint marketing agreement.

OPT-OUT DISCLOSURE

If you prefer that we not disclose non public, personal information about you to 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:

-Return a written request to:

Huntingdon Valley Bank

Privacy Administration

650 Louis Drive, Suite 100

Warminster, PA 18974

OR

You may telephone us at 215-947-1300 ext. 205

JOINT ACCOUNTS

A single opt-out notice received from any joint account owner will be treated as an opt-out notice as applying only to that joint account owner. In addition, the institution allows any joint account owner to opt-out on behalf of all account owners upon request.

CONFIDENTIALITY AND SECURITY

We restrict access to non public, 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. We educate our employees on these procedures and about the importance of confidentiality and customer privacy.

ADDITIONAL INFORMATION

CORRECTING ERRORS If you ever find any errors with your deposit account or loan information, please call us at 215-947-1300.

INTERNET PRIVACY

Huntingdon Valley Bank respects your privacy when using and accessing information about us over the internet.Please see our web-based disclosure on the web at www.huntingdonvalleybank.com.

WHAT YOU CAN DO TO HELP

Customers can help by following the simple guidelines listed below:

- Protect your account numbers, PINs and passwords. Never keep your PIN with your cards.

- Use discretion when disclosing your account information or social security number.

- Do not provide information to anyone who says they are from your bank and asks for information, such as account numbers or PINs regardless of how convincing they are.

- Make sure that we have current information about you, such as addresses and telephone numbers.

CHANGES TO OUR PRIVACY POLICY

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 a chance to opt out of that disclosure.

QUESTIONS

If you have any questions about our Privacy Statement or policies, please contact our Privacy Administrator at (215) 947-1300 ext. 205.