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of Information-Customer Expectations
Trust, privacy, and confidentiality are the most important part of our commitment in meeting customer expectations of how we use the information we obtain. We will maintain standards to ensure that your information is private and secure at all times.
Access to Information is Limited
Presidential has policies and procedures in place that limit access to your personal information to those employees with business reasons for knowing such information. We have appropriate policies to enforce employee responsibilities regarding the privacy of customer information. Our employees are aware it is inappropriate to discuss the affairs of customers and their finances, except with other Bank employees and outside professionals retained by the Bank, and then only to the extent necessary for business purposes.
Use, Collection, and Retention of Customer Information
We collect, retain, and use information about you in order to conduct our business with you, satisfy legal reporting requirements, and administer our internal operations. We may routinely collect or retain information that includes your: (1) name, address, telephone number, social security number, annual income, current and past employers; (2) answers to questions on deposit and loan applications; and (3) deposit and loan balances, overdraft history and payment history with us. We collect information from consumer reporting agencies regarding credit and checking account histories.
We do not provide information to outside parties unless it is in direct support of your account activities. We do not sell our information to companies that offer other products and services. When we collect information about you, we do so only for a specific business purpose.
When you end your customer relationship with us, or when we end our customer relationship with you, we will treat the information we have about you as if you were still our customer.
Accuracy of Information
Maintaining the accuracy of your personal information is important. We have procedures to help assure that your personal information is accurate, current, and complete. We also have procedures to correct inaccurate information in a timely manner. If you discover any information we have about you that is incorrect, please let us know.
Security of Consumer Information Collected
Presidential maintains security standards and procedures regarding unauthorized access to customer information. We constantly update and test our technology to improve the protection of our customer information and to protect the integrity of our systems. We do not provide information about you to anyone without first verifying who they are and whether they may have legal access to the information.
We ask you to closely review your account and loan statements and contact us right away if you believe that someone has improperly accessed financial information about you.
of Account Information is Restricted
We do not reveal specific information about your accounts or other personally identifiable data to parties outside our organization except for the performance of bona fide corporate due diligence supported by a confidentiality agreement, or under the following circumstances:
Maintaining Your Privacy When We Do Business Outside Our Organization
It is sometimes necessary to provide personal information about you to a party outside our organization.
Some examples are when we hire a vendor or service company to prepare your account statements, process checks, or to provide support for one or more of our products or services. When we work with outside businesses or companies, we require them to safeguard your personal and confidential information. These vendors must abide by applicable law.
We do not sell our customer lists. Presidential does not share information with vendors who wish to provide special offers of financial products and services, such as insurance companies or credit card issuers.
Our privacy principles may change from time to time, so please check our web site regularly to view the most current version.
Because of Presidential's high commitment to confidentiality of customer information, complaints relating to this policy should be forwarded directly to Presidential's Compliance Officer, for prompt consideration.
Presidential Online Bank's Website
Visitors to the Presidential Online Bank web site remain anonymous. We do not collect identifying information about visitors. Presidential does use standard software to collect non-identifying information about our visitors, such as:
Presidential uses this information to create summary statistics and to determine the level of interest in information available on our site.
Visitors may elect to provide us with personal information via E-mail or through an online application form. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.
Financial Tools and Calculators that require you to provide some level of information are used by Presidential. The provider of the tool, calculator or questionnaire may retain this information. The information will only be used by Presidential to provide you with services you have requested.
Cookies are lines of text that are transmitted to your web browser when you click on a link. Your browser stores the information on your hard drive and when you return to that site later, the "Cookie" is transmitted back to the server that originally sent it to you. Cookies provide a way for a server to recall a previous request from a particular web browser. Presidential does use "Cookies" in our website, to help keep track of your online sessions. The cookie is used only for administrative purposes and does not contain any sensitive information such as your account passwords, account numbers or social security number, etc.
Using our PC Banking, a customer may submit online account applications and perform other online banking functions using automatic data encryption. This secure data transmission link will protect the confidentiality of sensitive customer information.
Whom should you contact with Questions?
Presidential Bank reminds you that email is NOT a secure means of communication. We encourage you to maintain contact with us through this medium, but please refrain from including personal information such as account numbers, Tax ID/Social Security numbers, passwords, etc. Help us keep YOUR personal information PRIVATE!
13. Fraud Notification
Presidential Bank will never send email requesting or requiring customers to send personal information, such as account numbers, SSNs, passwords, or PINs, to us via email or unsolicited pop-up windows. If you receive such an email claiming to be affiliated with Presidential Bank, do not respond. Instead, report the situation to us immediately by email. For more information regarding “phishing” read the brochure “How Not to Get Hooked by the ‘Phishing’ Scam" on the FTC web site.
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Presidential Bank reminds you that firstname.lastname@example.org is NOT a secure means of communication. Please refrain from including personal information such as account numbers, Tax ID/Social Security numbers, passwords, etc. We encourage you to maintain contact with us through our new Secure Email service, located within Personal Online Banking. Help us keep YOUR personal information PRIVATE!
email@example.com (General Inquiries) or Secure Email available through Personal Online Banking
© 1995 - 2013 Presidential Bank, FSB
last updated 10/08/2010 lmm