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Security and Privacy Statement
Your Right to Financial Privacy
You have the right to know the privacy policies and practices of the financial
institutions you deal with concerning information sharing with both affiliated
and nonaffiliated third parties. Hopewell Valley Community Bank has never
shared nonpublic personal information, except as required by law, and we will
continue to protect your privacy.
Information We Collect
As a trusted financial institution, we collect, retain and use nonpublic,
personal information about customers, as allowed by law, to provide products
and services, to safeguard deposits, and to ensure the quality of our loan
portfolio. We may collect nonpublic, personal information about you from some
or all of 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,
our affiliates, or others such as your account balance, payment history,
parties to transactions, and credit card usage; and,
- Information we receive from a consumer
reporting agency, such as your creditworthiness and credit history.
Who Receives Information and Why
We do not disclose any nonpublic, personal information about our customers and
former customers to anyone, except as permitted or required by law. We may
exchange such information, as described above, to companies that perform
marketing services on our behalf or to other financial institutions with whom
we have joint marketing agreements, with certain nonaffiliated providers of
data and transactional processing services (under limited circumstances) to
service your account, or provide reports to credit bureaus. Such exchanges of
nonpublic personal information are allowed by law.
Service Providers/Joint Marketing Partners
While we presently do not do so, we may disclose information we collect to
companies that perform services on our behalf or to other financial
institutions under joint marketing agreements for products or services. If we
change our policy to share nonpublic customer information with affiliated or
nonaffiliated third parties, we will notify you in advance and provide you
with a reasonable amount of time to prohibit us from doing so (to "opt out").
You will always have the right to opt out at any time. If we do provide
customer information to a third party, we will insist – through written
agreements – that the third party adheres to privacy principles similar to
those of Hopewell Valley Community Bank.
How We Protect Your Information
We understand that the protection of your nonpublic, personal information is
of utmost importance. Guarding your privacy is our obligation. Hopewell Valley
Community Bank maintains strict procedures and policies to safeguard your
privacy. Our employees have access to customer information for authorized
business purposes only, to provide products or services to you, and we educate
our employees about the importance of confidentiality and customer privacy. We
maintain physical, electronic, and procedural safeguards that comply with
federal standards to guard your nonpublic personal information. If you decide
to close your account(s) or become an inactive customer, we will adhere to the
privacy policies and practices as described in this notice.
Because your privacy is important to us, here are some steps that you can take
to keep personal information about you secure. The steps provided below may
not pertain to your specific account with us.
- Never give out your Social Security Number
or personal credit information over the phone unless you initiate the call.
- Tear up or shred receipts, bank statements,
and unused credit card offers.
- Keep track of your mail. If a statement,
check, or bill is missing, it is possible that someone may have changed your
billing address. Contact that service provider immediately.
- Review your credit report annually, and
report and correct mistakes.
- Make sure you do business with reputable
companies, especially on the Internet.
- Protect your personal identification numbers
(PINs) and passwords.
- Report any suspected fraud to us
immediately, and notify the fraud divisions of the three major reporting
bureaus: Trans Union (800)916-8800, Experian (888)397-3742, and Equifax
(800) 525-6285.
If you ever have questions or concerns about
the privacy of your account information, please telephone us at 609-466-2900.
You may also write us or stop by any of our offices and discuss your
questions. Thank you for your business. We look forward to doing business with
you for a long time to come.
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