What does Pathfinder Bank do with your personal information?
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 page carefully to understand what we do.
The types of personal information we collect and share
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
- credit history and transaction history
- When you are no longer our customer, we continue to share your information as described in this notice.
Reasons Pathfinder Bank can share my personal information
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 Pathfinder Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Pathfinder 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||Yes||No|
|For joint marketing with other financial companies||No||We don't share|
|For our affiliates’ everyday business purposes— information about your transactions and experiences||Yes||No|
|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||Yes||Yes|
Information collection and protection
How does Pathfinder 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.
How does Pathfinder Bank collect my personal information?
We collect your personal information, for example, when you
- Open an account or deposit money
- Apply for a loan
- When you show your government-issued ID or driver’s license
- We also collect information from others, such as credit bureaus 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 accounts – unless you tell us otherwise.
|Companies related by common ownership or control. They can be financial and nonfinancial companies. Affiliates we share include The Fitzgibbon's Agency.|
|Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share include Pathfinder Investment Services.|
|A formal agreement between nonaffiliate financial companies that together market financial prodcts or services to you. Pathfinder doesn't jointly market.|
To limit our sharing
- Call 315-343-0057 or 800-811-5620—our personnel will assist you with your choice(s) or
- Mail us the form: Please click here to print Pathfinder Bank's Privacy Disclosure/Notice. The mail in form is located at the bottom of page two.
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent 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.
We welcome your questions, comments, and concerns about privacy. Please call us at 315-343-0057 or send us any and all feedback pertaining to privacy, or any other issue to [email protected].