Privacy Policy
Rev. 9/2023
WHAT DOES EVERETT CO-OPERATIVE BANK DO WITH YOUR PERSONAL INFORMATION? |
|
Why? |
Financial companies can choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
What? |
The types of personal information we collect and share depends on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
How? |
All financial companies need to share customers' personal information to help run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information, the reasons why we choose to share and whether you can limit this sharing. |
Reasons we can share your personal information |
Does Everett Bank share? |
Can you limit this sharing? |
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. |
Yes |
No |
For our marketing purposes – to offer our products and services to you |
Yes |
No |
For joint marketing with other financial companies |
Yes |
No |
For our affiliates' everyday business purposes – information about your transactions and experiences |
No |
We don't share |
For our affiliates' everyday business purposes – information about your creditworthiness |
No |
We don't share |
For nonaffiliates to market to you |
No |
We don't share |
Questions? Email us at customerservice@everettbank.com |
How does Everett Bank protect your personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards along with secured files and buildings. We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Everett Bank collect your information?
We collect your personal information, for example, when you:
- Open an account
- Apply for a loan
- Give us your income information
- Apply for financing
- Provide account information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates' everyday business purpose – information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions:
Affiliates:
Companies related by common ownership or control. They can be financial and non-financial companies. Everett Bank does not share with affiliates.
Nonaffiliates:
Companies not related by common ownership or control. They can be financial and non-financial companies. Everett Bank does not share with nonaffiliates for marketing purposes.
Joint Marketing:
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Everett Bank's joint marketing partners include credit card companies.
Other Important Information:
For Massachusetts Customers:
We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization