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At The Fahey Banking Company, a standard we have passed on to
each customer relationship is trust. You have chosen to do business
with us and we are obligated to honor that relationship with great
care. Beginning with the information you share with us, we believe
that your privacy should not be compromised. You can count on
us for the standard of trust in the services you want, need, and
deserve to accomplish your financial goals. We believe that we
can do both through the privacy policy outlined below.
We, our, and us will refer to The Fahey Banking
Company.
You and your will refer to all consumer customers
who have a continuing relationship with us through products such
as: deposit and loan accounts, safe deposit box, custodial individual
retirement accounts, certificate of deposit accounts, as well
as any former customers. You and your also refers to any consumer
that uses a bank service but does not have a continuing relationship,
such as ATM transactions and loan applicants.
Nonpublic Personal Information is personally identifiable
financial information that is collected but is not readily available
from public sources such as government agencies or telephone directories.
Affiliate is any company we own, control, or who owns
or controls us.
Nonaffiliated Third Party is any company that is not an
affiliate.
Information Collected
We collect nonpublic personal information about you:
From applications and other forms: your name, address, social
security number, income;
From your transactions with us or others: account balance and
credit card usage
From consumer reporting agencies such as a credit bureau: your
credit history
Information Disclosed
We may disclose all of the information we collect, as described
above, to companies which perform marketing services on our behalf
or other financial institutions with which we have joint marketing
agreements. We do not disclose any other nonpublic personal information
about our customers to any non-affiliated third parties, except
as permitted by law. Should you close all your account(s) with
us and become a former customer, we protect your privacy as if
you were a current customer.
Confidentiality and Security
We restrict access to your nonpublic personal information to
employees who require such information to provide products and
services to you. We maintain physical, electronic, and procedural
safeguards to protect this information. Our employees understand
and uphold the importance of maintaining the confidentiality of
customer information.
Fact Act Notice
We may report information about your account to credit bureaus.
Late payments, missed payments, or other defaults on your account
may be reflected in your credit report.
Internet Privacy Policy
Respect for Your Right to Privacy
Fahey Bank is dedicated to making your online banking experiences
with us the most rewarding and satisfying available. We provide
our customers with the highest level of customer service and convenience
by continuing to utilize the latest technological innovations.
We recognize, however, that privacy and security of personal financial
information may also be a concern as a result of using this technology.
As a community bank, our most important asset is our customers'
trust. As such, privacy and confidentiality is at the forefront
of everything we do.
If you ever have any questions or concerns other than those listed
below, you are encouraged to contact us at jeckert@faheybank.com.
All other inquiries should be directed to our customer service
center.
Maintaining Accurate Customer Information
It is in the best interest of both you and Fahey Bank to maintain
complete, up-to-date, and accurate records regarding your non-public
personal and financial information. Our systems and internal controls
are monitored and tested on a regular basis to verify the integrity
of the non-public personal and financial data we maintain and
process on your behalf. If we are made aware of any inaccurate
information, we have procedures in place to correct this information.
Please notify us immediately if you believe our records are incorrect
or out-of-date. We will investigate the situation and, when appropriate,
update our records accordingly.
Collection, Use and Retention of Personal Information
In an effort to provide you with the most secure and current banking
opportunities, Fahey Bank may collect and retain non-public personal
information provided by you during the application, information
request, or survey process. Non-public personal information may
also be collected through the submission of secure online banking
transactions or use of online financial planning tools.
Online Banking and Account Application
During the Online Application process, we collect non-public personal
information in order to evaluate your request to open an account.
Such information is maintained and reviewed through automated
and manual processes, in order to protect you --- we must identify,
distinguish, and verify all information submitted during the Online
Application process to prevent unauthorized individuals from using
or accessing your non-public personal information. Information
received and transmitted during your Online Banking sessions is
also retained on our systems in order to service your account(s).
Please also review our Security policies and procedures.
Customer Service
Our high standards of customer service include maintaining your
written and electronic correspondence. Your letters, including
the post-mark and mailing address, are filed in a secure location,
and the content of email inquiries, including your email address
and our responses, may be retained to support Fahey Bank management's
efforts to monitor and review communications. Fahey Bank uses
this information to handle further questions you may have or provide
necessary follow-up assistance; to review our success in properly
addressing your questions or concerns; and to ensure compliance
with internal policies and procedures.
When we contract with other organizations not affiliated or controlled
by us to provide account maintenance and servicing functions on
our behalf, these outside agents, third party product providers,
or account processing providers agree to safeguard customer information
in accordance with this Privacy Policy, and must abide by applicable
law.
We may also gather information through the use of cookies in order
to make your online experience easier, more personalized and,
thus, more convenient.
Financial Planning Tools
If you use any of the financial tools, calculators or questionnaires
on our website, you will provide some level of personal and financial
information. This information will only be used by Fahey Bank
to provide you with services you have requested or are likely
to be interested in now or in the future.
General
Fahey Bank collects information on its visitors in order to:
- Identify you and your products and services to prevent access
by unauthorized persons
- Administer and service your records, accounts and funds
- Implement security measures and fight fraud for your continued
protection
- Comply with certain laws and regulations
- Improve the content of our Web site for your future visits
- Customize the content and/or layout of our pages for each
individual consumer, or
- Notify you of special promotions, updates to our website,
or additional products and services that may be of interest
to you.
Please be assured that non-public personal information will not
be collected, used or retained unless Fahey Bank has a specific
business purpose, to protect your accounts and transactions, comply
with federal banking regulations, or help us better understand
your financial needs. If, for any reason, you would like to be
taken off our mailing list, contact us at 800-422-3641.
Children under the age of 13 cannot open accounts online or apply
for access to their accounts through Internet Banking. We do not
knowingly collect, maintain, or use personal information from
our websites about children under age 13. If a child whom we know
to be under age 13 sends personal information to us online, we
will only use that information to respond directly to that child,
notify parents, or seek parental consent. We are not responsible
for the collection and use of information by companies or organizations
outside of the Fahey Bank family that may be linked to our website.
Limited Employee Access to Information
Fahey Bank permits only authorized employees, who are trained
in the proper handling of customer information and have a legitimate
business need, to access that information. Each employee has been
made aware of his or her responsibilities to safeguard your personal
information, and employees are continuously reminded of the importance
of confidentiality and personal privacy. Whenever we hire other
organizations to provide support services, we require them to
conform to our privacy standards and to allow us to audit them
for compliance. Our goal is to ensure that customer privacy is
respected at all times.
Disclosure of Information to Third Parties
Fahey Bank has a strict policy that prohibits the selling or providing
of personal information to third parties for independent use.
We may, however, in the normal course of business, make information
available to Fahey Bank affiliates and business partners if the
information is needed to fulfill an authorized service, requested
by you, such as opening a new deposit account, applying for a
VISA Debit Card or providing you with additional products and
services. We may also exchange information with reputable reference
sources or reporting agencies for credit reporting, risk management,
and verification, in order to maximize the accuracy and security
of your personal information. Only information needed to conduct
your banking business or protect against fraud will be used or
provided, in accordance with standard banking industry practice,
unless we are required or allowed to do so by law.
Monitoring Policies
Fahey Bank continues to monitor and review the privacy measures
it has in place to protect customer information. These measures
are updated as practices change and new technology becomes available.
Please periodically check this page for updates to our Privacy
Policy.
Customer Identification Program
Important Information about Procedures for Opening A New Account:
To help the government fight the funding of terrorism and money
laundering activities, Federal law requires all financial institutions
to obtain, verify, and record information that identifies each
person who opens an account.
What This means for you: When you open an account, we will ask
for your name, address, date of birth, and other information that
will allow us to identify you. We may also ask to see your driver's
license or other identifying documents.
Date: March 2008
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