January 5, 2009
Privacy Notice For Customers and Visitors To Our Web Site
Artisans' Bank values your privacy and the trust you have placed in us to protect your personal and financial information. We hope this disclosure helps you to understand the consumer privacy regulations and our information security practices. If you have any questions or concerns about this regulation or our information security practices, we encourage you to contact the Bank.
Definitions
We , our , and us when used in this privacy disclosure means Artisans' Bank. When we use the words you or your , we mean consumers and/or our customers who have established a continuing consumer banking relationship with us, such as:
- Deposit account customers
- Loan account customers
- Online Banking and Bill Payment customers
- Safe Deposit box holders
- Self-directed IRA customers, where we act as custodian or trustee
The privacy regulations do not apply to Merchant or Commercial Banking customers or to those consumers who only conduct isolated transactions with us, such as:
- Withdrawing cash from our ATMs
- Cashing a check at our teller lines
- Purchasing monetary instruments (money orders, travelers checks, etc.) from us.
Nonpublic personal or financial information (NPPI) means information about you that we may collect in connection with providing an Artisans' Bank financial product or service to you. Nonpublic personal or financial information (NPPI) does not include information available from public sources, such as the telephone directory or public government records. This information may include your name, address, social security number, primary identification number, assets, income and/or debts.
An affiliate means a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Artisans' Bank maintains no affiliate relationships.
A non-affiliated third party is any company that is not an affiliate of ours.
Basic Rules
Before you establish a continuing consumer relationship with us, we will tell you the categories of nonpublic personal and financial information we collect, retain and disclose. We will also tell you what measures we take to secure that information. We will send you an annual notice of our privacy practices. We will send you a revised notice if our privacy practices change.
Information That We Collect And Retain
We collect nonpublic personal and financial information (NPPI) about you from the following sources:
- Information we receive directly from you on applications or other new account forms.
- Information about your banking transactions with us and others.
- Information about you from consumer reporting agencies.
- Information from our customer satisfaction surveys.
Confidentiality, Security, and Integrity of Your NPPI
We restrict access to NPPI about you to those employees who need to know the information to provide our products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information from unauthorized access or use. We train and expect our employees to comply with these standards.
We hold as completely confidential any NPPI provided to any associate of Artisans' Bank in the course of executing an account relationship or transaction.
Authorized Sharing with Non-Affiliated Third Parties
We do not disclose NPPI about our current or former customers or consumers to non-affiliated third parties, except as required or permitted by law.
NPFI may be disclosed, however, to companies that perform specific banking support or marketing services for us under a formal agreement or contract. In these instances, we provide only the information they require to perform the agreed-upon service and we require them to maintain the confidentiality of your information. You do not have a right to "opt-out" of this type of information sharing.
These non-affiliated third-parties may include:
- Contracted providers who perform computer processing, account management, and other bank services for our customers.
- Contracted providers who execute marketing programs of Artisans' Bank products and services we believe may be of value to you.
- Non-affiliated third parties where Artisans' Bank acts as an agent for products and services provided by the non-affiliated third party.
This information may be disclosed:
- To process your initiated application or transaction.
- To service your accounts or transactions with us or others.
- To provide you with information about additional Artisans' Bank products and services we believe may be of benefit to you.
We may also at times disclose NPPI to government agencies and law enforcement officials to help prevent fraud or as may be required by law. You do not have a right to "opt out" of this type of information sharing.
Artisans' Bank does not sell, rent, or otherwise provide any customer or consumer information to outside companies so that they can solicit non-financial services to you by mail, telephone or Internet.
Non-FDIC Insured Investments
Artisans' Bank has an agreement with a non-affiliated third party service provider to have a properly licensed and segregated Artisans' Bank employee offer non-FDIC insured investment products under the trade name Artisans' Financial Services, a division of Artisans' Bank. In order to provide you these investment services, non-public personal and financial information may be disclosed to the non-affiliated third party service provider. In these instances, we provide only the information they require to perform the agreed-upon service and we require them to maintain the confidentiality of your information. You do not have a right to "opt-out" of this type of information sharing.
Direct Marketing
Artisans' Bank does not sell, rent, or otherwise provide any customer information to outside companies so that they can solicit non-financial services to you by mail, telephone, or Internet
Artisans' Bank Web Site
Artisans' Bank uses standard Internet industry software to collect non-identifying information about our web site visitors; such as the date and time our site was accessed, the IP address (a numeric address given to servers connected to the Internet), the web browser used, and city, state and country. This information is used to create summary statistics which determines the level of interest in the information we make available on our web site.
Artisans' Bank obtains personal information about you on our web site only if you volunteer it, such as submitting an e-mail, jumpstart application, or using our online banking services. If you choose to contact us, we will use your nonpublic personal or financial information only for the purpose of responding to your e-mail or request. Your information will not be sold to third parties.
Children's Online Privacy Protection Act
This law was enacted in 1998 to regulate the online collection of personal information from children under the age of 13. Artisans' Bank complies with the COPPA regulations. Our web site is not directed towards children and the Bank does not collect personal information from children online. Those children who have Artisans' Bank accounts (through our "Bank in School" program) and utilize the Bank's Internet Banking program, sign up for these services in person and with written parental permission. When such programs are transacted, the Bank's strong privacy standards, as explained in this disclosure, also apply to these accounts.
Data Disposal
To reduce the risk or fraud or identity theft, Artisans' Bank takes industry approved measures to dispose of your sensitive information, whether maintained in hard copy or electronic formats.
Data Breach Response Program
As requried by the Privacy regulations, Artisans' Bank has established a formal response program in the event your data becomes compromised or misused. When required, customer notice of such an event will be given to you in a clear, conspicuous and timely manner
What You Can Do
You play an important role in protecting the privacy and accuracy of your nonpublic personal and financial information. Keep good records. Review your account statements and transaction receipts in a timely manner. Notify the Bank immediately if your identification or bank records are lost or stolen. Do not share your passwords or PINs with anyone. And when asked, please respect the Bank's requests for identification; they are for your own protection.
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