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Privacy Policy OUR PLEDGE The protection of
personal identifying information is an ongoing challenge for consumers, the
government, and the private sector. The information we collect provides
significant benefits. It helps us to understand your financial needs, improve
products and services, comply with laws, enhance customer service and protect
you against fraud. We at First Colebrook Bank remain committed to our
long-standing history of ensuring the privacy of customer information.
Preserving trust and confidentiality is essential to our business.
This privacy policy applies to all current and former customers. NON-PUBLIC PERSONAL INFORMATION Non-public personal information means financial information that is identified with you that is not obtainable from a public source. For example, your account balance is non-public information. On the other hand, the fact that you have a mortgage loan with us is public information because your mortgage is recorded at the County Registry of Deeds. What follows are some examples of instances where information will be shared with other entities in order to provide you with the service(s) you've requested. These are just some of the examples. There are others that we have not addressed here. INFORMATION ABOUT YOU We collect personal information when you open an account, submit a loan application to us, rent a safe deposit box, or obtain other products and services. We collect personal information about your transactions with us and others. We may also obtain information from other sources; for example, we may obtain a credit report on you when it is appropriate for the services you have requested. We share your personal information with others in order to provide the services you request. For example, when you open a checking account, we have to order your checks from a check supplier since we do not print checks in our bank. For these types of accounts, we need to share your name, address and account number with that supplier. We also need to share information with an attorney or an appraiser when you finance a purchase through us. We must also share information about you when it is legally required. For example, we use your Social Security number to let the IRS know the interest you paid on your mortgage so that you can use the interest as a tax deduction, if appropriate. If you decide to close your account(s) or are no longer an active customer, we will retain your records for as long as required by law. We will continue to treat your personal information as described in this notice, as amended from time to time. MEDICAL INFORMATION In instances where you provide us with medical information such as on an application for credit life insurance on a mortgage, we will share the information with the agent who will obtain the insurance. We will not share this medical information with anyone else. SECURITY PROCEDURES We also restrict access to your personal and account information to those employees who need to know the information in order to provide products and services to you. We maintain physical, electronic and procedural safeguards in place that comply with federal regulations to guard your non-public personal information. We continually strive to enhance procedures to safeguard your personal non-public information. CREDIT REFERENCE Should you desire to have information about your accounts at the bank shared with others, we will only do so with your signed authorization. For example, if you give the First Colebrook Bank to a third party as a credit reference, you will be asked to authorize the release of information. Consent from one of the joint owners will be deemed effective for all account owners. OTHER We will do our part to maintain the confidentiality of your information; you can help protect yourself from fraud by not divulging sensitive information to others as well. INCORRECT INFORMATION If you believe your personal information maintained at the bank is incorrect, please contact us immediately. INTERNET We do not collect information on visitors to our Web site. When you access our Online Moose Internet Banking, we utilize "cookies" in connection with managing the security of your password. A cookie is a piece of text that the Online Moose site stores on your computer's hard drive. The text that is stored for Online Moose is used to identify you. Once you log off Online Moose Internet Banking, these cookies are deleted from our system. Should you have any questions about our policy, or wish to have additional information, please call us toll free: 1-888-225-1782 We welcome your comments. Thank you. James E. Tibbetts President/CEO First Colebrook Bank |
First Colebrook Bank • Colebrook • Concord • Amherst • Portsmouth • Phone:
888-225-1782
© 2007 First Colebrook Bank. All rights reserved.
Online Security Privacy Policy U.S. Patriot Act