Privacy Policy

Protecting Our Customers’ Privacy
Brickwell Community Bank places the highest priority on safeguarding the financial information provided by our customers. We recognize the sensitive nature of your information and take every precaution to keep your information confidential. You have entrusted our bank with your information and have a right to expect the information you provided will be accessible only to those who must know the information in order to serve your needs. You also have a right to expect this information will only be used in an appropriate business manner.

What type of information do we collect?
We collect nonpublic personal information only to provide services requested by our customers, that we believe will help us to meet your financial needs, or is allowed by law. For loan accounts we collect information regarding your prior banking relationships, employment status, income, monthly expenses, assets and liabilities from your application and other forms you have provided us. For new deposit accounts we collect information such as employment status, your employer, and information about your previous banking relations.

We also collect nonpublic personal information from third parties such as credit reporting agencies, other creditors and your previous bank. This information is only used to handle your request for specific services. We do not collect information about your from third parties without a valid reason.

Where do we collect information about you?
We collect nonpublic information about you from the following sources:

• Information we receive from you on applications or other forms, including electronic and internet communications;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer-reporting agency.

Periodically, we may obtain household demographic information from an outside source. This information is used only to make sure we have the information that would allow us to offer products you may find useful.

Why do we use this information?
The information we collect is used to perform basic banking functions and to provide financial services you may need.

Who has access to this information?
We restrict access to nonpublic personal information about you to employees who need to know that information to provide products or services to you and perform their jobs. We have developed specific policies and procedures to make sure our employees do not disclose unauthorized information or use our customers’ information inappropriately. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

What type of information may we disclose?
We may disclose the following kinds of nonpublic personal information:

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets, income and employer;
• Transaction information such as your account balance, payment history, parties to the transactions, and debit card usage.

To whom do we disclose this information?
We may disclose nonpublic personal information about you to the following types of third parties:

• Our affiliates;
• Non-financial companies, such as insurance companies, vendors of non-deposit investment products and processor so that together we can provide you products and services that you’ve requested or already have with us;
• Companies that performs marketing services on our behalf or to other financial companies with whom we have joint marketing agreements.

All of those companies that act on our behalf are contractually obligated to keep information that we provide to them confidential, and use the information only to provide services we have asked them to perform for you and us.

We may also disclose nonpublic personal information to nonaffiliated third parties as permitted by law.

We do not sell our customer information to anyone or any company. We do not share your information with nonaffiliated third parties for their independent use. We do report the credit history of your transactions with our bank to the appropriate credit reporting agencies.

We will also provide information if:

• You request it;
• We are required by law to provide requested information (i.e., subpoena, investigation of fraudulent activity); or
• You have been informed about the possibility of our disclosure of your name, address, and phone number for the purpose of marketing a product we believe would be useful to you.

We will not disclose nonpublic personal information about former customers two years after they cease to be our customers, except as permitted by law. For the first two years, however, we may use this information in the same manner and extent as we do with current customers.

How do we safeguard our customers’ information?
We provide our employees with specific policies and procedures for maintaining the confidentiality of your records, how and when the information would be used, how to handle external requests for information and how to handle customer information when they have received a legal request.

If we use companies to provide transaction services for our customers, we provide only the information necessary to complete the transaction. In addition we obtain, in writing, their agreement to maintain this information solely for this purpose and according to our stated privacy policies.

Opt Out Right
We do not disclose nonpublic personal information about you to non-affiliated third parties other than disclosures permitted by law. If we change our policy in the future, we will provide you with the required opportunity to opt out prior to disclosing your nonpublic personal information.

We truly value and respect your privacy. You can be assured we will continue to safeguard your information. Thank you for the trust you have placed in Brickwell Community Bank.