Privacy Policy

 

 FACTS WHAT DOES FAIRFIELD COUNTY BANK 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 transaction history
  • account balances and payment history
  • credit history and credit scores

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 Fairfield County Bank chooses to share; and whether you can limit this sharing.

 

 Reasons we  can share your personal information Does Fairfield County 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 Fairfield County Bank 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 our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don’t share
To limit our sharing

Please note:
If you are a new customer,  we can begin sharing your information  [30] days from the date you receive this notice. When you are no longer our customer,  we continue  to share your information  as described in this notice.

However, you can contact  us at any time to limit our sharing.
Questions? Call 203.431.7431 or go to FairfieldCountyBank.com
Mail-in Form

Mark if you want to limit:

  • Do not allow your affiliates to use my personal information  to market to me.
Name  

Mail to:

Fairfield County Bank
P.O. Box 2050
Ridgefield, CT 06877-0950
Adress  
 
City, State, Zip  
Account #  
Who we are
Who is providing this notice? Fairfield County Bank
What we do
How does Fairfield County Bank 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.

Protecting customer  information  is a significant responsibility for us. Access to customer  information  is limited to those persons who need to know that information.   All employees have a copy of this policy and are trained annually regarding  the safeguarding of customer  information.
How does Fairfield County Bank collect my personal information?

We collect your personal information,  for example, when you

  • open an account or apply for a loan
  • pay your bills or deposit money
  • use your credit 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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates

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

  • Our affiliates include companies  with a “Fairfield County” or “Ridgefield Bank” name that are under common  control with us; financial companies such as Ridgefield Bank Mortgage Corporation,  a mortgage banking company; nonfinancial companies  such as Fairfield County Bank Insurance Services, an insurance agency; and others.
Nonaffiliates

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

  • Nonaffiliates we share with include government entities in response to subpoenas  and other legal processes, credit bureaus, mortgage  companies, credit card companies, companies providing servicing, processing, accounting, or similar type functions, companies originating loan applications, marketing companies, securities brokers, and other financial institutions.
Joint marketing

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

  • Our joint marketing  partners  include banks, financial companies, securities brokers, and merchant servicers.
Other Important Information

Biometric information collected by the Bank is under  equal protection as any other non-public personal information we may collect.

Fairfield County Bank follows the same privacy policies and practices for former customers as described in this notice.


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