At Penn Liberty Bank, protecting your privacy is very important to us. To help you better understand how your nonpublic personal information is protected here at Penn Liberty Bank, we are providing you with the following statement. It describes our practices and policies with respect to the privacy of customer information. In the event you terminate your customer relationship with us, or become an inactive customer, we will continue to adhere to the policies and practices described in this notice.
Information We Collect
We collect, retain, and use nonpublic personal information about individual customers, as allowed by law, to provide products and services to our customers. We collect information about you from the following sources:
- information we receive from you on applications or other forms, such as your name, address, social security number, assets and income;
- information about your transactions with us, such as your account balance, payment history and parties to transactions; and
- information we receive from a consumer reporting agency, such as information relating to your creditworthiness and credit history.
Nonpublic personal information does not include information that is available from government records such as deeds and mortgages, widely distributed media, or government-mandated disclosures.
Information We Disclose
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
To the extent permitted by law, we may disclose customer information to our affiliates and certain nonaffiliated third parties to service your account, comply with banking regulations or to protect against fraud. We may disclose the nonpublic information we collect, as described above, to nonaffiliated companies that perform marketing services on our behalf, or to other financial institutions with whom we have joint-marketing agreements.
How We Protect Your Information
We are committed to treating your nonpublic personal information responsibly and understand that guarding your privacy is our obligation. To safeguard sensitive information that our customers have shared with us, we maintain strict procedures and policies. We restrict employee access to customer information only to those who have a business reason to know such information, and we educate our employees about the importance of confidentiality and customer privacy. We value your business and the trust you put in Penn Liberty Bank, and we maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Our Web Site
When visiting our web site, you do so without revealing who you are and without revealing any nonpublic personal information. However, by using the e-mail feature on our web site to contact us, you are sending us your e-mail address and perhaps other information that typically might include your name, mailing address and any other information that you might include in the e-mail itself. You never send us nonpublic personal information that you do not enter yourself.
Unless otherwise indicated, your e-mail transmission, and our response, are not secure and may be subject to interception. We ask that you do not send confidential information to us via e-mail. If you want to send us nonpublic personal information like account or social security numbers, you might want to call us, send it by regular mail or visit one of our branch offices. We will not obtain nonpublic personal information about you when you visit our web site unless you have chosen to provide such information to us. The information that you choose to send us by e-mail is used internally only for the purpose of meeting your request or for contacting you directly. This information is not shared with any other organization.
OnLine Transactions - we utilize stringent security methods to ensure that your Internet banking and bill paying transactions remain secure and confidential. These methods include firewalls, routers, data encryption, and password protection using your Personal Identification Number (PIN).
Planning Tools - When visiting our web site to use our planning tools, such as our online calculators, the work and calculations that you perform are not stored in our records. We have no access to any nonpublic personal information that you provide when using these tools.
Hyperlinks - Links to other web sites from this web site are occasionally provided only as a convenience to you, our customer. We are not responsible for the content or accuracy of third-party web sites. They may collect data and personal information about you and you should review the privacy statement of a web site before you provide any personal or confidential information.
To help us monitor the use of our web site, our Internet Service Provider does collect general information about visitors to our web site. This information includes the date and time a visitor accessed our web site, the internet address from which our web site was accessed, the name and version of the accessing web browser and the name of the domain from which the visitor accessed the internet. This general information does not include any nonpublic personal information. The general information that is collected is used for statistical purposes and is tied only to your Internet protocol (IP) address. An IP address is automatically assigned to your computer whenever you're surfing the Internet.
Our Internet Service Provider does store a temporary "cookie" on a visitor's computer to ensure that the visitor is viewing the proper interest rates for our loan and savings products that are posted on the various pages of our web site. A "cookie" is a small text file that is placed on your computer and its use is terminated each time you terminate your web site session.
Children's Online Privacy Protection Act Policy
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