OUR COMMITMENT TO YOU.
At Fidelity Bank, we value and respect the trust that you place in us when you ask for financial products and services. An important element of that trust is our commitment to protect the private information that you provide to us. It is important for you to know that we do not sell personal information to third parties for the purpose of solicitation. There is no need for you to tell us not to. You also need to know that we carefully manage information within our bank and its affiliates to give you better service, more convenience, and to offer benefits based on your overall relationship with us.
Through our bank and financial services companies, Fidelity Bank provides a full line of banking, investment and insurance services. As a company, we are committed to protecting the confidentiality of personal information you provide to any of our affiliate companies. At the same time, the information you provide can help us introduce you to other Fidelity Bank products and services that may "help you get where you want to be".
WHAT THE POLICY COVERS
This policy covers Customer Information, which means personally identifiable information about a consumer or a consumer's current or former relationship with Fidelity Bank. This policy is provided to you as required by the federal financial privacy law.
INFORMATION WE COLLECT
The type of information we collect depends on the type of product or service you obtain from us. We may collect "nonpublic personal information" about you. "Nonpublic personal information" is information about you, which is not available from public sources, obtained in connection with providing you with a financial product or service. For example, nonpublic personal information includes information regarding your account balance, payment history and deposit account activity. We may collect this personal information from the following sources:
· Information we receive from you on applications or other forms you may complete and provide to us, such as your name, address, social security number, assets, income and, in the case of applications for insurance, your health and medical information;
· Information about your transactions with us, or other Fidelity Bank companies, such as your account balance, payment history, products and services used, credit card usage; and
· Information such as your creditworthiness and your payment history that we receive from third parties, such as credit bureaus.
INFORMATION WE SHARE WITH AFFILIATES
In addition to the information described above, we may share other information with our affiliates about our experiences or transactions with you or your account. The personal information we collect and share with affiliates may include your name, address, social security number, policy number, account number, telephone number, account balance, payment history and deposit account activity. We do not share medical or health information among our affiliates or with third parties except to process transactions or to provide services you have requested or initiated.
WITH UNAFFILIATED THIRD PARTIES
We do not disclose any nonpublic personal information about our customers or former customers to "unaffiliated third parties" (i.e., third parties that are not owned by Fidelity Bank) except as permitted by law.
WITH THIRD PARTIES WITH WHOM WE MAY JOINTLY OFFER PRODUCTS
We may disclose all of the information we collect as described above, except health information, to companies that perform marketing services for us or to other financial institutions with which we have joint marketing agreements. For example, we may disclose information about you to companies with which we offer brokerage and/or insurance products.
INFORMATION ABOUT FORMER CUSTOMERS
If you decide to close your account(s) or no longer are our customer, we will continue to adhere to the privacy policies and practices described in this notice.
NOTICE OF YOUR OPPORTUNITY TO OPT OUT OF INFORMATION SHARING WITH OUR AFFILIATES
Information We Can Share About You with Our Affiliates – Unless You Tell Us Not To:
What Information: Unless you tell us not to, we may share with our affiliates information about you including:
· Information we obtain from your application, such as your income and your marital status in a loan application;
· Information we obtain from a consumer report, such as your credit score and 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: Our affiliates who may receive this information are financial service providers, such as Fidelity Bank’s insurance and investment services subsidiary companies Hayes-Barrett Insurance LLC and Hayes-Barrett Investments LLC, and Exchange Authority, L.L.C.,a 1031 exchange accommodator.
Your Choice To Limit Marketing From Our Affiliates: Federal law gives you the right to limit some but not all marketing from our “affiliates”. You may limit our affiliates from marketing their products or services to you based on your personal information that we collect and share with them. This information includes your income, your account history with us, your credit score, your payment history, your credit history, your payoff status, and your claims history. Your choice to limit marketing offers from our affiliates will apply until you tell us to change your choice. If you have obtained a product or service jointly with another person or persons, a choice to limit marketing will apply to all parties to the account. You may exercise your right to limit marketing offers at any time.
How to Tell Us Not To Share This Information with Our Affiliates and Limit Marketing Offers.
If you prefer that we not share this information with our affiliates and limit their marketing offers, you may direct us not to share this information and limit marketing offers by doing the following:
· write to us at:
Fidelity Bank
Customer Services
9 Leominster Connector
Leominster MA 01453-3791
· call us toll free at 1.800.581.5363
· e-mail us at www.fidelitybankonline.com
· visit your nearby banking office
Please provide your full name and street address, account numbers, and telephone number.
Note: Your direction in this paragraph only covers certain information about you that we might otherwise share with our affiliates. We may share other information about you with Fidelity Bank companies as permitted by law.
OUR SECURITY PROCEDURES
Access to your personal and account information is restricted to those employees who need to know that information as part of their job, to service your account or to provide products and services to you.
We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
We require outside companies and independent contractors to whom we provide information about you for joint marketing, servicing or processing purposes to enter into a confidentiality agreement that restricts their use of nonpublic personal information about you to those purposes and prohibits independent use of that information.
ACCURACY OF CUSTOMER INFORMATION
We recognize that the accuracy of your personal and account information is very important to you and to that end we follow procedures to reasonably ensure the accuracy of your information. We also have procedures to respond to your requests to correct inaccurate information in a timely manner. If you find that your information (for example, on account statements, by telephone or ATM) is not complete, accurate, or current, please write to us at: Fidelity Bank, 9 Leominster Connector, Leominster MA 01453-3791 or contact us at www.fidelitybankonline.com. Please include your account or policy number. We will correct the information as quickly as possible.
INTERNET BANKING PRIVACY
Safeguarding your personal information when interacting with us using the Internet is also extremely important. We apply the standards discussed above in caring for your personal information. When browsing our Web site, personal information, such as your e-mail address, is not collected. Some areas of our Web site require information, such as your e-mail address or your account number, to enable you to perform certain tasks (e.g. to review your accounts or correspond with us). In these cases, we collect the information necessary to interact with you.
If you submit an application or form online to Fidelity Bank, or request an online transaction, we may keep the information you send in an electronic database. We use security measures to protect against the loss, misuse and the alteration of data used in our systems.
Our web site contains links to third-party sites that you may find useful. These sites may have their own privacy policies. You should review the privacy policy of any Web site before you provide personal or confidential information.
E-mail sent within our on-line banking system is secure. The secure on-line transmission of information to us is only available from within your on-line banking account; after you have established a secure connection using Secure Socket Layer (SSL) encryption. You may also contact us by telephone, postal mail or in person.
We preserve the content of your e-mail, your e-mail address and our response, so that we can more efficiently respond to any follow-up questions from you. We also retain this information to meet legal and regulatory requirements.
REGULAR INTERNET E-MAIL IS NOT SECURE
Please do not send confidential information such as social security or account numbers to us via regular e-mail. In instances where e-mail addresses are provided, they are provided for information inquiries of a non-sensitive and non-confidential nature. Since an Internet e-mail response back to you would not be secure, we will not include confidential information in an e-mail response.
PROTECTING CHILDREN ON-LINE
We will not knowingly collect, store, use or disclose information from children. We define children as persons under the age of 13.
We do not direct any portion of the Web site to children, accept applications directly from children, knowingly collect, nor share personal information about them; unless the information has been provided by an adult in connection with opening a deposit account for or with the child. We won't send any unsolicited promotions to users who indicate they are less that 13 years of age unless the solicitation is in connection with an account opened by an adult.
This does not prevent parents from opening deposit accounts on behalf of their children. We will obtain parental consent prior to the creation of an account on behalf of a child.
PROTECTING YOURSELF AGAINST THE PROBLEM OF IDENTITY THEFT
Identity theft is a growing crime in our country. Identity theft occurs when someone steals your personal information and uses it to establish credit; charge items or borrow money using your name.
Protect your identity by taking the following actions:
· Tear up unused credit offers and other documents containing personal information before discarding them.
· Guard your social security number.
· Don't release information to people you do not know, especially over the telephone or the Internet.
· Review bank statements for accuracy.
· If you are denied credit for no apparent reason, obtain a copy of your credit report and review it for accuracy.
If you become a victim of identity theft:
· Contact your bank and all others with whom you have a financial relationship/
· File a police report if you have had a loss.
· Report the fraud to the major credit bureaus:
Equifax 1-800-525-6285
Experian 1-888-397-3742
Trans Union 1-800-680-7289
For additional help, call the Federal Trade Commission at 1-877-ID-THEFT or visit their Web site at www.consumer.gov/idtheft.
REDUCING DIRECT MARKETING FROM OTHER COMPANIES
If you would like to reduce the amount of advertising you receive from companies outside of Fidelity Bank and its affiliates, you can write to the following agencies:
For advertising received by mail:
Mail Preference Service
c/o Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735-9008
For advertising received via telephone:
Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 9014
Farmingdale, NY 11735-9014
Be sure to include complete information about each name, address and telephone number you would like excluded from these lists. If you have moved within the past year, remember to include your old address and telephone number. The same is true for name changes and the addresses and telephone numbers associated with each name.
If you would like to have your name taken off all pre-approved credit solicitations by other financial institutions, you can write to the following credit reporting bureaus or call 1-888-567-8688. Be sure to include your full name, current address, social security number and telephone number.
Experian
Consumer Opt-Out
901 West Bond
Lincoln, NE 68521
Equifax, Inc.
Options
P.O. Box 740123
Atlanta, GA 30374-0123
Trans Union Corporation
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328
KEEPING UP-TO-DATE WITH OUR PRIVACY POLICY
Fidelity Bank will provide notice of our privacy policy annually, as long as you maintain an ongoing relationship with us. This policy may change from time to time, but you can always review our current policy at www.fidelitybankonline.com, or contact us for a copy at 1-800-581-5363.
QUESTIONS
We are strongly committed to our relationship with you and want to be sure you understand the steps we have taken to protect your personal information. Questions or comments may be sent to us at:
Fidelity Bank
9 Leominster Connector
Leominster, MA 0153-3791
