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Northampton Cooperative Bank Privacy Statement

Northampton Cooperative Bank understands that protecting the personal privacy rights of our customers is essential for a banking relationship to exist. You have chosen to do business with Northampton Cooperative Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

Recognition of a customer's expectation of privacy

At Northampton Cooperative Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is customer's trust. Thus, the safekeeping of customer information is a priority for Northampton Cooperative Bank.

Collection and use of customer information

We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we believe will be of interest to you.

Maintenance of accurate information

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us by calling us at 413-584-4474, or stopping in to any of our convenient locations. We will investigate your concerns and correct any inaccuracies.

Limiting employee access to information

At Northampton Cooperative Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are governed by a code of conduct that includes the responsibility to protect the confidentiality of each customer's personal information.

Protection of information via established security

Northampton Cooperative Bank recognizes that a fundamental element of maintaining effective customer privacy procedures is to provide reasonable protection against the unauthorized access to customer information. Therefore, we have established appropriate security standards and procedures to guard access to customer information.

Restrictions on the disclosure of customer information

Northampton Cooperative Bank places strict limitations on who receives specific information about your accounts or other personally identifiable data. Information will only be disclosed to third parties under the following conditions:

• If the information is provided to help complete a customer initiated transaction.

• If the customer authorized such disclosure in writing.

• If the information is required for legitimate bank use, in accordance with applicable law and standard banking practices. This includes information provided to our employees, service providers, attorneys, collection agencies, and credit reporting agencies for the purposes of collecting debt, verifying the existence and condition of a customer's account(s).

• If the information is required by a bank auditor or examiner for the purpose of completing an official audit or regulatory examination of the bank.

• If the information is required by or allowed by law (for example, a subpoena or court order to produce records regarding the customer's account relationship with Northampton Cooperative Bank.) In such instances, information provided is limited to that required by the specific law.

Maintaining customer privacy in business relationships with third parties

When we do provide customer information to a third party, we will insist through a written agreement that the third party adhere to privacy principles similar to those of Northampton Cooperative Bank for keeping this information confidential.

Internet privacy

At Northampton Cooperative Bank, we believe that the confidentiality and protection of our website visitor's information is one of our fundamental responsibilities. This is why we want you to know how we will handle information we obtain about you when you visit our site.

Website security

Northampton Cooperative Bank utilizes technology to help assure that any sensitive personal information you provide us or any account information you receive online is done in a safe and secure manner. Special secure-connection hardware and software (commonly called "firewalls") are in place to help assure the security of online communication of your information.

Additionally, we have implemented procedures to help assure that only authorized bank employees may view the information you share with us. This is accomplished by limiting access to that information (via access capability and password control) to only those employees having a legitimate business purpose for viewing or responding to your information or inquiries.

Website privacy

When any person visits the public areas of our website, we may collect basic information to tell us how many people visited our site and what pages were visited. Unlike the personal information that you provide and view with respect to your personal banking relationship, all of the information we gather in the public areas of our website is general. We use this general information to determine which parts of our website are most popular, how people access our site, how we can improve the content of our website pages and how we can improve service to our customers.

Northampton Cooperative Bank's website includes the capability for you to correspond with us. This correspondence, via e-mail, is not secured and therefore should only be used for the purpose of asking general questions, requesting literature, or responding to bank promotions. These activities may include sharing some personal information about you with us.

Whether or not you are a customer of Northampton Cooperative Bank, when you visit our site we will not obtain any information from you personally identifies you unless you choose to provide such information to us.

Providing privacy information to customers and responding to inquiries

Northampton Cooperative Bank recognizes and respects the privacy expectations of our customers. We want customers to understand our commitment to privacy in our use of customer information. To fulfill our commitment, we have developed these privacy principles, which are available to you. If you have a question about these principles or a question about the privacy of your customer information, please call Northampton Cooperative Bank at 413-584-4474 or e-mail us at bank@northamptoncoop.com.

 Privacy Policy

To review a copy of our Privacy Policy, click here.