Protecting your privacy is important to Ledyard National Bank and our employees, and we are committed to safeguarding your sensitive information. We recognize your right to privacy, and we take this responsibility seriously by prohibiting the release of non-public personal information, except as described below. We would like you to understand what information we collect and how we use it. This notice explains our practices for the collection, use, retention, and security of nonpublic personal information.
We limit the collection, use and retention of confidential information to what we believe
is necessary to administer our business, to provide you with exceptional quality service, to comply with regulatory retention of information, and to make available to you other accounts, services, and opportunities that may be of benefit or interest to you. For example, your information may be used to evaluate your eligibility for a loan or other service, to improve our products and services, or to protect you from fraud. We may collect information about you from the following sources:
- Information we receive fromyou on applications or other account forms;
- Information about your transactions with us or others such as account balances;
- Information we receive from third parties such as a consumer reporting agency
Nonpublic personal information is information about you that is not publicly available which we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history. Nonpublic information does not include information that is publicly available, such as your name and address, if it is made available to the general public from government records or widely distributed media.
We do not disclose any nonpublic personal information about our clients or former clients to any third party, except as permitted by law or as expressly authorized by you and then in accordance with our security procedures. We may also disclose nonpublic personal information about you to third parties to assist us in servicing your account or loan with us, or in other circumstances permitted by law. For example, we may disclose nonpublic personal information about you in response to court orders and to credit bureaus. We may also disclose information to third parties as permitted by law that perform services on our behalf such as third parties with whom we have joint marketing
agreements. We restrict the release of such information to what is necessary for the performance of the service requested. Such parties may only use your nonpublic personal information on our behalf and they are required, by agreement, not to disclose that information to other parties. We do not share medical or health information with any person except to process transactions or to provide services you have requested or initiated, such as may be obtained from applications for credit insurance.
We restrict access to your personal and account information to those employees who need to know that information in order to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to safeguard your nonpublic personal information.
NOTE: WE DO NOT SELL INFORMATION ABOUT YOU OR YOUR ACCOUNTS. We will do our part to maintain the confidentiality of your nonpublic personal information. To be fully protected, you should take precautions to safeguard your
personal information.
A state law may restrict the disclosure of nonpublic personal information in a manner
different from federal banking law. Whenever a state has a more restrictive law, we will fully comply with its requirements if we are required to do so by federal law.
From time to time, we may update or amend this policy and will notify you of those changes as required by law. You may view the most current version of this policy at any time by requesting a copy from our Privacy Manager, Alison Bruce, or by visiting our website
www.ledyardbank.com. If you believe your personal information maintained at Ledyard National Bank is incorrect, or if you have a privacy-related concern, please call our Privacy Manager, Alison Bruce, at (603) 640-2668.
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