Privacy Policy
Our Privacy Pledge To You
At Charles River Bank, we believe that the confidentiality and protection of our customer’s information is one of our fundamental responsibilities. At Charles River Bank, customers have access to a broad range of products and services from basic banking deposit products to certificate of deposits, consumer loans, mortgages, and online banking. To deliver these products and services as effectively and conveniently as possible, it is essential that Charles River Bank use technology to manage and maintain certain customer information. Charles River Bank collects non-public information about you from the following sources:
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Information we receive from you on applications or other forms |
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Information about your transactions with us or others |
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Information we receive from a customer-reporting agency |
Important Definitions
We, our, and us, when used in this notice, means Charles River Bank. This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:
All of our consumer customers who have a continuing relationship with us, such as:
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Deposit account |
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Loan account |
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Safe deposit box |
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Self-directed Individual Retirement Account where we act as custodian or trustee |
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Financial, investment, or economic advisory services (for a fee) |
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. An affiliate is 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. Ownership does not mean complete ownership, but means owning enough to have control. A nonaffiliated third party is a company that is not an affiliate of ours.
Charles River Bank wants to assure all of our customers that whenever information is used, it is done with discretion. The safeguarding of customer information is an issue Charles River Bank takes seriously. To affirm our continuing commitment to the proper use of customer information, Charles River Bank has set forth the following Privacy Policy. It is this policy that guides Charles River Bank in serving the privacy needs of our customers. The following serves to guide Charles River Bank personnel in the privacy needs of our customers:
I. Charles River Bank limits the use, collection, and retention of customer information to what we believe is necessary or useful to conduct our business, provide quality service, and offer products, services, and other opportunities that may be of interest to our customers.
II. Charles River Bank recognizes that it must maintain accurate customer records. Therefore, Charles River Bank has established procedures to maintain the accuracy of customer information and to keep such information current and complete. These procedures include responding to requests to correct inaccurate information in a timely manner.
III. At Charles River Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on this Privacy Policy. Because of the importance of these issues, all Charles River Bank Directors and employees are responsible for maintaining the confidentiality of customer information and Directors and employees who violate this Privacy Policy will be subject to disciplinary measures.
IV. Charles River Bank recognizes that a fundamental element of maintaining effective customer privacy procedures is to provide reasonable protection against the unauthorized access to customer information. Therefore, Charles River Bank has established appropriate security standards and procedures to guard access to customer information.
V. Charles River Bank may share information with unaffiliated companies that assist us in providing our products and services to our customers. Charles River Bank may disclose all of the information we collect as disclosed above, such as name and address to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. In the normal course of our business, Charles River Bank may share information (for example, with consumer reporting agencies and government agencies) when legally required or permitted in connection with fraud investigations and litigation; in connection with acquisitions and sales; and the request or with permission of a customer.
VI. Charles River Bank maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. If Charles River Bank provides personally identifiable customer information to a third party with which we have a business relationship, Charles River Bank will insist that the third party keep such information confidential, consistent with the conduct of our business relationship.
VII. Charles River Bank does not disclose nonpublic personal information about former customers, except as permitted by law.
VIII. Charles River Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed this Privacy Policy which is made readily available to our customers. Customers who have questions about the privacy of their information should call Charles River Bank at 508-533-8661.
This Privacy Policy applies to individuals and we reserve the right to change this Privacy Policy at any time. This Privacy Policy is for general guidance and does not constitute a contract or create legal rights and does not modify or amend any agreements Charles River Bank has with our customers.
IX. INFORMATION RELATED TO ELECTRONIC BANKING
CLICK24 Online
The application or enrollment forms on the CLICK24 Online Banking Web Site use state of the art security technology including 128-bit Secure Socket Layer (SSL) to transfer information from you to the Bank. We use this technology whenever confidential information such as your account number is requested. After you have submitted your application we recommend that you close your browser before leaving your computer.
Charles River Bank website
www.charlesriverbank.com
Some areas of our web site require information, such as your e-mail address or phone number to enable you to correspond with us. In these cases, we collect your information necessary to interact with you and any information that you knowingly and voluntarily provide to us such as your name, address or any other information you supply when completing a form or sending an e-mail. We use the information we collect to measure the number of visitors to different sections of our web site and to help us make our site more useful.
Electronic Messages
E-mail
If you send us e-mail, we may retain the content of the e-mail and your e-mail address in order to respond to questions or concerns that you may have. PLEASE NOTE: E-mail functions are not secured.
Secure Message Transmission
Message transmissions from the Contact Us page are secured. To ensure your privacy all message transmissions on the charlesriverbank.com web site are secured and use SSL technology. PLEASE NOTE: Your own web browser e-mail may not be secure against interception. If your request for information is very sensitive you may want to call us or send the request for information through the U.S. Mail. Our address and phone number is:
Charles River Bank
P.O. Box 740
Medway, MA 02053
(508) 533-8661
Linked Sites
Since we cannot control information on other Internet sites we are not responsible for the content of sites linked from charlesriverbank.com.
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