What does National Bank of Middlebury do with your personal information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number, income and address
- Account balances, payment history, and account usage
- Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers’ personal information to run their everyday business. In the following section, we list the reasons financial companies can share their customers' personal information; the reasons National Bank of Middlebury chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information:
For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Do we share? Yes Can you limit this sharing? No
For our marketing purposes—to offer our products and services to you. Do we share? Yes Can you limit this sharing? No
For joint marketing with other financial companies.Do we share? No Can you limit this sharing? No
For our affiliates' everyday business purposes—information about your transactions and experiences. Do we share? No Can you limit this sharing? Yes
For our affiliates' everyday business purposes—information about your creditworthiness. Do we share? No Can you limit this sharing? Yes
For our affiliates to market to you. Do we share? No Can you limit this sharing? Yes
For non-affiliates to market to you. Do we share? No Can you limit this sharing? Yes
How does National Bank of Middlebury protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does National Bank of Middlebury collect my personal information?
We collect your personal information, for example, when you
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates' everyday business purposes—information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Affiliates - Companies related by common ownership or control. They can be financial or non-financial companies.
- Community Financial Services Group
- Middlebury National Corporation
Non-Affiliates - Compmaies not related by common ownership or control. They can be financial and non-financial companies.
- Deluxe Check Printers
- Vantiv (ATM and card processing)
- Mortgagebot (online loan applications)
- Check Free (bill-pay company)
- FIS (statement fulfillment)
Joint Marketing - A formal agreement between non-affiliated companies that together market financial products or services to you.
Other Important Information:
This Notice of Your Financial Privacy Rights does not apply to business customers and is not intended to create a contract or to enlarge the bank's legal obligations.
Guidelines for the responsible use and protection of our customers' information
Whereas National Bank of Middlebury recognizes its customers' expectations of financial privacy; and whereas preserving our customers' trust is one of the core values of our bank and the broader banking community; we therefore resolve to abide by the following guidelines for the responsible use and protection of our customers' information:
- Always value the trust of our customers and the importance of keeping their personal financial information confidential.
- Provide our customers with our policy on using their personal financial information responsibly and protecting it.
- Hold our employees to the highest standard of conduct in ensuring the confidentiality of customer information.
- Hold any personal medical information about our customers sacred and will NOT use it for marketing purposes or in making credit decisions.
- Use information responsibly in order to provide our customers with significant benefits, including fraud prevention, improved products and services and to comply with laws.
- Establish procedures to maintain accurate information and respond in a timely manner to our customers' request to change or correct information.
- Use a combination of safeguards to protect our customers against the criminal use of their information and to prevent unauthorized access to it.
- Not provide account numbers to companies outside our family of companies for marketing purposes.