Privacy Policy
| FACTS | What Does North Cambridge Co-operative 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 incomeAccount balances and payment historyTransaction history and credit historyWhen 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 North Cambridge Co-operative Bank chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does North Cambridge Co-operative 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 | 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 our nonaffiliates to market to you | No | We don't share |
| Questions? | Call 617-876-5730 | |
|---|---|---|
| What we do | ||
|---|---|---|
| How does North Cambridge Co-operative 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. | |
| How does North Cambridge Co-operative collect my personal information? | We collect your personal information, for example, when youOpen an account or deposit moneyPay your bills or apply for a loanUse your debit cardWe 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 onlySharing for affiliates' everyday business purposes - information about your creditworthinessAffiliates from using your information to market to youSharing for nonaffiliates to market to youState 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 non-financial companies.• North Cambridge Co-operative has no affiliates. | |
| Non-affiliates | Companies not related by common ownership or control. They can be financial and non-financial companies.• North Cambridge Co-operative Bank 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.• North Cambridge Co-operative Bank does not jointly market. | |
Other Important Information
North Cambridge Co-operative Bank has established standards and practices to ensure compliance with the provisions of M.G.L. c.93H relative to the safeguarding of personal information contained in both paper and electronic records for residents of the Commonwealth of Massachusetts.