At
Skowhegan Savings we value your business and appreciate
the trust
you place in us every
day. In these tumultuous times, you can be
assured that Skowhegan Savings is the right partner for
your future. Your bank is financially strong, having
over twice the capital required by federal regulators and
more
than at any time in our 139 year history.
The
trust you place in us is backed by FDIC insurance which
has recently
been enhanced as described below.
Additionally,
we want to help you keep your private information
secure and have included a list of best practices designed
to protect your nonpublic personal information. You’ve
placed
trust in us to protect your privacy and we take that
responsibility very seriously as you can see by our
annual privacy notice
(see below).
Protect
Your Identity!
What
can you do to protect your identity? Guard your personal
information! Here are some
tips for keeping your private information secure:
- Do not carry your Social Security card in your wallet
- Properly discard documents containing account numbers or other nonpublic personal information
- Change your passwords and PIN numbers regularly.
- Do not use obvious codes such as birthdays or the names of family members.
- Memorize passwords and PIN numbers
- Carefully review your bank and credit card statements as well as your bills. Call if you do not recognize a charge.
- Order your credit report every year. All consumers
are entitled to one free credit report annually (www.annualcreditreport.com).
Promptly respond to any inaccurate information
- Destroy or shred any offers of pre-approved credit cards you do not intend to use and beware of offers from companies you don't recognize
- DO NOT give personal information over the phone, via email or text message unless you solicited the call. If someone calls stating they are from your bank or credit card company, ask for a number to call them back -- and then make sure it's really an official number
Our
Privacy Policy
Information
We Collect
As a
trusted financial institution, we collect, retain, and
use nonpublic personal information
about individual customers, allowed by law, to provide
products and services to our customers. We may collect
nonpublic personal information from such sources as:
- Applications or other forms
- Information about your transactions with us, our affiliates, or others
- Information we receive from a consumer reporting agency and
- Information about Web site usage statistics, including IP address, domain name source origin (State, Country), time at site, number of hits, browser used, and operating system used
We collect,
retain, and use the above listed information about users
of our Web site only
where we reasonably believe that it will help administer
our business or provide products, services, and other
opportunities to our customers. We use this information
to help us design
or improve our products and services and to understand
our customers’ financial needs so that we can provide
them with quality products and superior service.
Information
We Share
We may
disclose nonpublic personal information about you with
nonaffiliated third parties
under certain circumstances to provide account services.
Any nonpublic personal information shared is conducted
in strict adherence to applicable law. We do not disclose
any nonpublic personal information about you to anyone,
except as permitted under law.
Who
Receives Information and Why
We do
not disclose any nonpublic personal information about our
customers or former customers,
to anyone, except as permitted by law. We may exchange
such information with our affiliates and certain nonaffiliated
third parties (under limited circumstances) to the extent
permissible under law to service your account, offer
you products or services we believe you may find valuable,
report to credit bureaus, manage risk, and other financial
services related activities.
Service
Providers/Joint Marketing Partners
To provide
our customers with products or services that we believe
may meet your
financial
needs, we may exchange limited nonpublic personal information
about you to nonaffiliated firms that conduct marketing
services on our behalf, or with other financial institutions
in order to offer financial products or services pursuant
to a joint agreement.
Such
information exchanged includes:
- 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 with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage; and
- Information we receive from a consumer reporting agency, such as information relating to your creditworthiness and credit history.
How
We Protect Your Information
We understand
that the protection of your nonpublic personal information
is of the utmost
importance. Guarding your privacy is our obligation.
Skowhegan Savings maintains strict procedures and policies
to safeguard
your privacy. Our policies and procedures restrict employee
access to customer information only to those who have
a business reason to know such information, and we educate
our employees about the importance of confidentiality
and
customer privacy. Skowhegan Savings maintains physical,
electronic, and procedural safeguards that comply with
federal standards to guard your nonpublic personal information. |
