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Notice of Privacy Practices

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This document is provided to you to explain the personal data we may collect on you, how we use this data, and the steps we take to protect your personal information.

Rev.   01/2011

FACTS

WHAT DOES THE FIRST NATIONAL BANK OF NIAGARA DO WITH YOUR PERSONAL INFORMATION?

 

 

 

 

 

 

Why?

Financial companies 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 depend on the product or service you have with us.  This information can include:

§  Social Security number and income

§  Account balances and payment history

§  Transaction history and transaction or loss history

 

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 run their everyday business.  In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons The First National Bank of Niagara chooses to share; and whether you can limit this sharing.

 

 

 

 

 

Reasons we can share your personal information

Does The First National Bank of Niagara 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

No

We don’t share

For our marketing purposes –

to offer our products and services to you

No

We don’t share

For joint marketing with other financial companies

No

We don’t share

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 non-affiliates to market to you

No

We don’t share

Questions?

Call toll-free 866-676-9544 or go to www.niagarabank.com


What we do

 

How does The First National Bank
of Niagara protect my 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 and secured files and buildings.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.

 

How does The First National Bank
of Niagara collect my personal information?

We collect your personal information, for example when you

§  Open an account or Apply for a loan

§  Deposit money or Pay your bills

§  Use your credit card or debit card

 

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 purposes – 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.

Definitions

 

 

Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

§  The First National Bank of Niagara has no affiliates.

 

Nonaffiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

§  The First National Bank of Niagara does not share with nonaffiliates so they can market to you.

 

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

§  The First National Bank of Niagara does not jointly market.

 

 

         

Phone: 715-251-3113
Toll Free: 866-676-9544
Email: info@niagarabank.com
Mailing Address:
P.O.Box 25
Niagara, Wisconsin 54151-0025