Farmington Bank's Privacy Policy
PRIVACY POLICY & STATEMENT
1. WHO WE ARE:
Who is providing this notice?
Farmington Bank and Farmington
Bank Loan Servicing, Inc. ("Affiliates")
2. WHAT WE DO:
2.1 How does Farmington Bank 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. In addition, only those individuals who need your
information to perform their job functions at Farmington Bank are allowed to
access it.
2.2 How does Farmington Bank collect my personal information?
(a)
Open
an account, deposit money or pay your bills
(b)
Apply
for a loan or give us income or investment information
(c)
Use
your credit or debit card
(d)
Use
our bill payment services to pay your bills
We collect, retain and
use information about you to serve your financial needs. We also collect information about your
transactions with us and others, such as credit bureaus, affiliates, or other
companies.
2.3 What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to
everyone on your account.
2.4 Why can't I limit all sharing?
Federal law gives you the right
to limit only
(a)
Sharing
for affiliates' everyday business purposes—information about your
creditworthiness
(b)
Affiliates
from using your information to market to you
(c)
Sharing
for non-affiliates to market to you
2.5 What does Farmington Bank do with your personal information?
The following privacy
notice outlines our practices, pertaining to the collection, use and sharing of
personally identifiable financial information, ("Non-Public Personal
Information") for consumers, thoseconsumers who become our customers, and our
former customers. It also explains the
steps we take to protect the security and confidentiality of your information.
2.6 Why?
Financial companies
choose how they share your personal information. In order to conduct banking business with
you, process your transactions and requests, we collect certain types of
personal information about you. 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.
2.7 What?
The
types of personal information we collect and share depend on the product or
service you have with us. This information can include:
(a)
Social
Security Number and Income
(b) Name
and Address
(c) Account
Number, Account Balances and Payment History
(d) Credit
History and Credit Scores
2.8 How?
All financial
companies need to share customer personal information to run their everyday
business. In the table shown to the right, we list the reasons financial
companies can share their customer's personal information, the reasons
Farmington Bank chooses to share, and whether you can limit this sharing.
| Reasons
Farmington Bank can Share your Personal Information |
Does Farmington
Bank Share? |
Can
you Limit this Sharing? |
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 |
YES |
NO – Because we have an existing
business relationship with you and are required to share certain information
in order to process a transaction that you requested, or provide information
to credit bureaus law enforcement officials, or court orders. |
For
our marketing purposes —
To offer our products and services to you |
YES |
YES – AlthoughFederal law allows us to offer you
additional products and services because we have an existing business
relationship with you, we will honor your request to not be contacted for
this purpose. |
For
joint marketing with other financial companies —
We share information only with companies with whom we
have written agreements that prohibit
them from sharing your information with others |
YES |
NO – Because we have an existing
business relationship with you.
Federal law allows us the right to join with other financial companies
to offer you joint products and services. |
For
our affiliates' everyday business purposes —
Information about your transactions and experiences |
YES |
NO – Because Federal law gives us
the right to share information about your transactions and experiences with
our affiliates. |
For our affiliates' everyday business purposes —
Information about your creditworthiness |
YES |
YES – Federal
law gives you the right to limit the sharing information related to your
creditworthiness with our affiliates. |
| For
our affiliates to market to you — |
YES |
YES – Federal
law gives you the right to limit the sharing of your information with our
affiliates to market products and services to you. |
| For
non-affiliates to market to you — |
NO |
N/A – Farmington Bank Does not
share your information with any non-affiliated party that we do not have a
joint marketing agreement with, except where required by law. |
3. DEFINITIONS:
3.1 Affiliates:
Companies related by
common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include companies with a common corporate identity of Farmington
Bank's name, such as our Mortgage Servicing Company. Our affiliate is Farmington Bank Loan
Servicing Inc.
3.2 Non-affiliates:
Companies not related
by common ownership or control. They can be financial and nonfinancial
companies Non-Affiliates we share with can include companies that provide
services necessary to effect, administer, or enforce a transaction that you
request or authorize; Credit bureaus; law enforcement officers, government
agencies and courts. Farmington Bank
does not share information with non-affiliates to market to you, unless a joint
marketing agreement is in place between the bank and the non-affiliate.
3.3 Joint Marketing:
A formal agreement
between non-affiliated financial companies that together market financial
products or services to you. Our joint marketing
partners include credit card companies and financial investment companies.
4. TO LIMIT OUR SHARING:
To limit our sharing
of your information:
(a)
Email us - opt-out@farmingtonbankct.com or
(b)
Call us - 877-376-2265 or
(c)
Print, complete and mail our Privacy and Opt-out Policy to: Farmington Bank, One Farm Glen Boulevard,
Farmington, CT 06032, Attention: Customer Support.
Please note:
If you are a new customer,
we can begin sharing your information 30 days from the date we sent this
notice. When you are no longer our customer, we continue to share your
information as described in this notice.
However, you can contact us at any time to
limit our sharing. For questions;
(a)
Call
860-676-4600 or 877-376-2265 toll-free or
(b)
Visit
us online at: farmingtonbankct.com or
(c)
Visit any of our branch offices and ask to speak
with an account representative.
PRIVACY PROTECTION NOTICE
As an organization that collects Social Security numbers
in the regular and ordinary course of business, Farmington Bank is committed to
protecting the confidentiality of Social Security numbers and other information
capable of being associated with a particular individual (“personal
information”).
To meet this commitment, the Bank has implemented
physical, electronic, and procedural safeguards to prevent unlawful disclosure
of personal information and to limit access to such information to those
employees and third parties who need to know that information to serve
customers, evaluate applications for loans or employment, administer employee
benefits, or engage the services of vendors.
This Policy applies to personal information obtained by
the Bank in connection with customers, employees, vendors, and applicants for
loans or employment. It does not apply
to personal information that is lawfully made available to the general public
from federal, state, or local government records or widely distributed media.
ON-LINE PRIVACY
Farmington Bank is
committed to your privacy and security online as well as your privacy and
security in more traditional banking settings.
- When you browse our
Web-Site's informational pages, we do not collect any information that
identifies you personally.
- When you bank online
with us, we place "Cookies" on your computer.
These are files that enable our web site to load faster on your browser
and to recognize returning visitors. We
do not store any of your personal information in these files.
1. INTERNET BANKING SECURITY:
At Farmington Bank, we
employ industry standard computer technology to protect your data on all of our
computer systems, including those used in supporting our Online Banking
system. We use Secure Socket Layer,
(SSL) technology, which encrypts data as it crosses the Internet. Your information passes through a firewall,
which acts as a security guard for internet traffic and helps to ensure that
your information is protected.
Farmington Bank
provides additional security measures with Multifactor Authentication (MFA).
MFA strengthens the safeguards at log in by adding steps to verify your
identity. Part of this identification
process includes recognizing the computer you normally use to access Online
Banking. Computer verification coupled
with your unique login information, is incorporated into your online identity
profile. You will also answer a series
of questions that will be used to authenticate you as a user. Your cooperation is vital to maximize the
effectiveness of our security measures.
Here are some steps you should take to protect the privacy of
information you send and receive when you use internet banking.
(a) You
must use an internet browser that supports Secure Socket Layers, (SSL). SSL encrypts your data to prevent
unauthorized persons from gaining access to it. If you are having difficulty
signing onto internet banking, you may need to upgrade your browser to one that
supports SSL, such as the latest of Microsoft Internet Explorer ®, Netscape
Navigator ®, or Mozilla Firefox ®.
(b)
Do
not share your Login ID or Password with anyone you do not want to have access
to your accounts. Anyone who has your
Login ID and Password has the same access to your accounts that you have. If you suspect that an unauthorized person
has obtained your Login ID or Password, please contact our customer support
center immediately at 860-676-4600 or 877-376-2265 toll free.
In general, be careful
of any internet site with which you are not familiar. Avoid sending information unless you are in a
secure site like online banking. When
visiting new sites, be particularly aware of small windows that may randomly
appear on the screen. If you are not
comfortable with a newly-created window, close it immediately. The safest next step would be to exit and
restart your browser.
2. CONTACTING FARMINGTON VIA EMAIL:
Farmington Bank offers several
ways of contacting the bank using electronic mail.
2.1Contact Us – Anyone who visits our web site can use posted links titled, "Feedback"
and "Get In Touch" which appear on every page. These links offer convenient
methods of exchanging non-confidential information with the bank. Both links are not secure connections and
should not be used to convey any account information.
2.2 E-Mail Links – The same cautions that apply to section 1.0 above apply to Email
links to bank employees and departments that appear in various locations on our
web site. Use them for non-confidential
information only.
2.3 "Do's" and "Don'ts" for Contacting Farmington Bank Electronically:
(a)
DO
use "Feedback" and "Get in Touch" to request general information on products,
services, branch locations and hours of operation.
(b)
DO
use "Feedback" to offer general comments on our web site.
(c)
DO
feel free to use individual e-mail links on our web site to contact specific
bank employees or departments; However, DON"T send financial or personal
information via these links; they are not secure.
(d)
DON'T
use "Feedback" or "Get In Touch" to apply to open an account or to sign up for
internet banking. Instead, use the
secure forms provided for these purposes.
(e)
DON'T
use "Feedback" or "Get In Touch" to send your Social Security number, account
number, or other personal information.
3. ONLINE ENROLLMENT AND APPLICATION FORMS:
Online enrollment
forms are available to allow you to enroll for Online Banking and Bill Pay or
apply for a new account. You can be
assured of the confidentiality of the information you provide on these forms,
because they communicate via a secure connection.
4. LINKS TO NON-FARMINGTON BANK WEBSITES:
We provide links to other
web sites that offer non-Farmington Bank services, products, or information
that we think may be of interest to you.
It is important that you review the privacy policies of these sites,
since we cannot control the information provided or the information collection
practices of any non-Farmington Bank site you visit. We do not guarantee or endorse any of the
services, products, or information provided through these sites.
5. ONLINE PRIVACY AND CHILDREN:
In accordance with the
Children's Online Privacy Protection Act, we do not knowingly collect or retain
personally identifiable information about children under the age of thirteen.
6. CALCULATORS:
The calculators on our
web site do not store any personal information when you use them.
7. QUESTIONS:
If you have questions regarding our privacy
policy, please contact us, or call our Customer Support Center at 860-676-4600
or 877-376-2265 toll-free.
