Privacy Policy
FARMERS & MERCHANTS BANK OF WESTERN PENNSYLVANIA, N.A.
PRIVACY NOTICE APRIL 1, 2008
The Farmers & Merchants Bank of Western Pennsylvania, N.A. (“We” or the “Bank”) recognizes the need to protect privacy in all forms of commerce. We recognize the sensitive nature of our customer’s (“your” or “you”) personal financial information and are committed to protecting your privacy. Because we value your business and continued trust, we firmly believe it is our obligation to safeguard our customers’ nonpublic personal information.
This Privacy Policy Disclosure takes precedence over any privacy policies we have previously disclosed to you.
What Information We Collect
“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example: nonpublic personal information includes information regarding your loan balance, payment history, account balance and overdraft history.
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications for our products and services and on other forms you provide to us.
- Information we receive from processing accounts with us and the transactions in those accounts, such as deposit accounts and loans, as well as information that we receive from providing services to you, such as funds transfer services.
- Information we receive from a consumer reporting agency (commonly known as a credit bureau), such as your creditworthiness and credit history.
- Information we receive in response to requests we made about you, to third parties like real estate appraisers and employers, or to confirm information that you have provided to us, particularly in the process of evaluating applications for loans.
What Information We Disclose
We do not disclose any nonpublic personal information about our customers (active or inactive) or former customers to anyone, except as permitted by law. We do not disclose any nonpublic personal information about you to any nonaffiliated third party. We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example nonpublic personal information includes information regarding your loan balance, payment history, account balance and overdraft history.
Categories of Affiliates and Nonaffiliated Third Parties We Disclose
We may disclose nonpublic personal information about you to companies that perform marketing services on our behalf, or to other financial institutions with whom we have joint marketing agreements.
We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. Some examples of this would be:
- When necessary to effect, administer or enforce a transaction requested or authorized by you, or to service or process a financial product or service requested by you.
- When we have your consent to do so, or are directed to do so by you.
- To assist in protecting against or preventing actual or potential fraud or unauthorized transactions
- To give information to a consumer reporting agency, in accordance with the Fair Credit Reporting Act (including the FACT Act - Fair & Accurate Credit Transactions Act.) To comply with Federal, State or Local laws, rules or other applicable legal requirements.
- To comply with properly authorized civil, criminal or regulatory investigations, subpoenas or summons by Federal, State or Local authorities.
Confidentiality and Security of Nonpublic Personal Information
We restrict access to your nonpublic personal information to employees who need to know such information to provide products and services to you. If such information is provided to parties outside our family of companies, we obligate such parties to adhere to our policy that provides for keeping such information confidential and inform them that it is against the law to disclose such information for any purpose other than that for which is originally provided. We also maintain physical, electronic and procedural safeguards that comply with federal standards to protect your nonpublic personal information. We strive to ensure that a customer’s financial information is accurate, current and complete. We also seek to respond to requests to correct inaccurate or outdated information in a timely manner. Controls are in place to verify that these changes are made accurately.
Other Important Information
Closing your Account with us
If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices described in this Notice until your nonpublic personal information has been purged from our files.
Contracting with Third Parties
We may contract with other entities to perform specific support services such as, but not limited to, data processing, that may require us to provide them access to our customer information. When doing so, we require such third party service providers to contractually agree to adhere to our security and privacy guidelines.
Notice not a Contract
The Bank’s Privacy Disclosures do not create a contract. From time to time, we may amend or change the terms of this Notice. In that event, we will provide you with a revised privacy notice and opportunity to exercise your opt out right if applicable.
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