Thomaston Savings Bank’s General
Disclaimer & Online Privacy Statement
General Disclaimer
This web site has been established as a
source of information for those who visit it. The information contained
herein is not intended to be a direct solicitation and does not include
full disclosures about each product. Full disclosures may be obtained by
contacting any Thomaston Savings Bank office.
The information contained on these pages and the products offered by
Thomaston Savings Bank are subject to change. Disclosures or business
contracted relating to products and services contained herein are
restricted to the State of Connecticut.
Your eligibility for particular products is subject to acceptance by the
Bank.
NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, IS GIVEN IN CONJUNCTION
WITH THE USE OF THIS WEB SITE, INCLUDING BUT NOT LIMITED TO TITLE,
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM
COMPUTER VIRUS. IN NO EVENT WILL THOMASTON SAVINGS BANK BE LIABLE FOR
ANY DAMAGES ARISING IN CONNECTION WITH THIS SITE, OR THE USE OR
INABILITY TO USE THIS SITE, OR IN ANY FAILURE OF PERFORMANCE, ERROR,
OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION,
COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF THOMASTON SAVINGS BANK
HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Use of Hyperlinks
When you use a hyperlink to visit the website of another person or
entity, you leave the Bank's website. Your use of hyperlinks to the web
site of others is at your own risk. The content, accuracy, and opinions
expressed and other links provided by these resources are not
investigated verified, monitored or endorsed by the Bank. If you use a
hyperlink to a merchant's website, any issues with regard to payments,
returns, and refunds are governed by the policies of the merchant from
whom the merchandise is purchased, and you must deal directly with the
merchant with regard to any of these matters. We are not responsible for
the merchant's use of any personal information you provide to a merchant
when visiting their website. The use of your personal information by the
merchant will be governed by the merchant's policies and procedures.
Web-Site Usage
Actual or attempted unauthorized defacement of this website will result
in criminal and/or civil prosecution; we reserve the right to view,
monitor and record activity on the system without notice or permission.
Any information obtained by monitoring reviewing or recording is subject
to review by law enforcement in connection with the investigation or
prosecution of possible criminal activity on the system.
Online Privacy Statement
Thomaston Savings Bank understands how important it is to protect the
confidentiality of the information our customers and non-customers
provide to us online. Described below is our online privacy policy and
procedures. If you have any questions regarding this policy or any other
information contained on our web site please do not hesitate to contact
us or call us at 860-283-1874.
What Information Do We Collect?
At Thomaston Savings Bank we collect, retain and use information about
our customers only when we believe that it is reasonably necessary or
useful in order for us to operate our business or our affiliate
companies. We occasionally collect, retain and use information in order
to make products, services and other opportunities available to
customers.
What Information Is Collected Online And How Is It Used?
By using Thomaston Savings Bank’s online services, including but not
limited to Internet Banking or requesting a loan application online,
Thomaston Savings Bank will have access to your information. This allows
the bank to provide you with products, services or marketing materials
you have requested.
Communication via the Internet through E-mail, “Contact Us” page on our
web site, your E-mail address and any responses to your communication
will be retained. This allows us to retain an audit trail of our contact
and provide you with the product or service information you may have
requested. If you use our loan application request form, this
information will be retained and used to provide you with the products
or services you have requested.
What are Cookies?
Cookies are information that is sent to your web browser when you click
on a link. Your browser stores the information on your hard drive and
when you return to the site later, the cookie is sent back to the
computer server that originally sent it to you. Cookies provide a way
for a computer server to recall a previous request from your web
browser. Thomaston Savings Bank does not use or monitor any information
received through the use of cookies.
Online Security
Thomaston Savings Bank is committed to protect the confidentiality of
your online information. When accessing Thomaston Savings Bank online
Internet banking services we require customers to use a 128-bit browser.
Thomaston Savings Bank uses encryption for its Internet Banking and Loan
application request page. Encryption is an advanced way of scrambling
your online information before it leaves your PC.
When you request information through Internet banking, your request is
encrypted as it travels. The bank then decodes your request for
information and sends it back encrypted. Your browser then decodes the
information. We also have Firewalls in place, which is advanced hardware
and software that reviews messages coming in and out of the Internet
banking process. Only authorized users are able to pass through the
online banking system. This type of technology is designed to prevent
hackers from accessing your account.
Thomaston Savings Bank also has a Verisign certificate for its Loan
application request page. Verisign is a certification authority on the
Internet. This means that the Loan application request page and all
information contained within the page are encrypted while being
transmitted to your browser and when information is returned to the host
web server and prevents anyone from reading the information over the
Internet.
Your Responsibility
• The use of User Names, Access ID's and Passwords for online Internet
banking is for your protection. Please use care when accessing the
Internet and releasing private information.
• Never reveal your User Name, Access ID's or Password to anyone. Notify
us immediately if the secrecy of your User Name, Access ID's or Password
is compromised.
• Be sure to use the exit button or log off when logging out of Internet
Banking.
• Don’t leave your PC while you are logged on to Internet Banking.
• Transmissions through general public E-mail may not be secure. To send
or request sensitive account information please use the contact us link
on our website.
• We do not knowingly solicit information from children under 13 years
old.
If you have any questions please contact us at 860-283-1874 or write us
at:
Thomaston Savings Bank
203 Main St.
PO Box 907
Thomaston, CT. 06787
Attention: Vice
President/Operations
Any reference made in this statement to the "Bank" and "Thomaston
Savings Bank" means "Thomaston Savings Bank, its subsidiaries and
affiliates" which includes Thomaston Mortgage Services, Inc. (TMS) our
servicing subsidiary and Thomaston Financial Services, Inc. (TFS) our
retail non-deposit investment products subsidiary and any other
subsidiaries we may establish. "You" and "your" refer to all consumers
and current customers and former customers.
Thomaston Savings Bank and its affiliates, Thomaston Mortgage Services,
Inc., (TMS) and Thomaston Financial Services, Inc. (TFS) recognize the
need to maintain the privacy of any consumer nonpublic financial
information we may have as a result of doing business.
We understand that financial information is personal, and we appreciate
the importance of maintaining the accuracy and confidentiality of
customer information. That is why we have adopted the following
information privacy practices.
What Information Do We Collect?
At Thomaston Savings Bank we collect, retain and use information about
our customers only when we believe that it is reasonably necessary or
useful in order for us to operate our business or our affiliated
companies. We occasionally collect, retain and use information in order
to make products, services and other opportunities available to our
customers. Depending upon the product or service you request, we may
collect nonpublic personal information about you from the following
sources:
Information we receive from you on applications or other forms;
Information about your transactions with us, our affiliates, or others;
and Information we receive from a consumer-reporting agency.
We Want The Information To Be Accurate
At Thomaston Savings Bank we want to make sure that any personal
information we have about you is up-to-date and accurate. If you believe
that any of our information is inaccurate, please contact us at
860-283-1874. We promise that we will either get back to you within ten
(10) business days with a response or provide you with information on
other methods which will allow you to correct any inaccuracies that
might exist.
The Type Of Information We Share And Who We Share It With
Sharing your information with non-affiliated service providers. It is
sometimes necessary for us to provide information, such as your
transaction history account balance, name and address to a third party
who provides services for us. This may include vendors who prepare
account statements, process checks or provide support for one of our
products or services. We are permitted by law to disclose this
information when our contract with these service providers specifies
that: Our vendors must abide by applicable privacy laws and reflect our
commitment to the confidentiality of your information; all information
disclosed is to be used only for the purpose for which it was originally
intended.
We may also disclose all of the information we collect, as described
above, to companies that perform marketing services on our behalf or to
other financial institutions with whom we have joint marketing
agreements. These non-affiliated financial institutions may include
service providers, such as an insurance agent. The non-financial
companies may be, for example, companies that assist us with mailings.
Sharing your information with non-affiliated third parties as
permissible by law. We only make disclosures of our current and previous
customers' nonpublic personal information to other non-affiliated
companies as permitted or required by law. These disclosures include but
are not limited to sharing nonpublic personal information: When we have
received your prior consent; when necessary to complete a transaction
you have initiated, such as a credit or debit card purchase; with a
reputable credit bureau or similar consumer reporting agency; as
authorized or required by law or in response to the judicial process.
Sharing your information with our affiliates. We may share some or all
of the information we collect about you between our affiliated
companies, Thomaston Mortgages Services, Inc. (TMS), our servicing
subsidiary and Thomaston Financial Services, Inc. (TFS) our retail
non-deposit investment products subsidiary. The information we may share
with affiliates includes information about your transactions or
experiences with one of our companies (for example, loan balances). This
type of information is called "experience information".
Sharing your "non-experience information" with our affiliates. Under the
Fair Credit Reporting Act (FCRA) you must "opt-out" if you do not wish
us to share "non-experience information" such as information obtained
from outside sources (for example a credit score or you account balance
at another institution) and not from experience or transactions that you
have had with the Bank , Thomaston Mortgages Services, Inc. or Thomaston
Financial Services, Inc.
Sharing "non-experience information" with our affiliates opt-out. In the
event that you do not want our affiliated companies to share your
"non-experience information" with each other (Thomaston Savings Bank,
Thomaston Mortgage Services, Inc. and Thomason Financial Services, Inc.)
you may elect to opt-out of this sharing arrangement by giving notice of
your decision in writing to Thomaston Savings Bank, P.O. Box 907,
Thomaston, CT 06787. Attention: Vice President/Operations or by calling
Thomaston Savings Bank at (860) 283-1874 and asking for the Vice
President/Operations (you may call collect if this is a toll call).
Please note that your election to opt-out of this sharing arrangement
between Thomaston Savings Bank and Thomaston Mortgage Services, Inc. and
Thomaston Financial Services, Inc. will not prohibit or restrict the
Bank and the two affiliates from sharing information about you as may
otherwise be permitted or required by applicable law.
We do not sell our consumer, current customer or former customer
information lists to non-affiliated third parties for marketing,
solicitation or similar purposes.
SAFEGUARDING CONSUMER, CURRENT CUSTOMER AND FORMER CUSTOMER INFORMATION.
OUR SECURITY MEASURES HELP PROTECT YOU. At Thomaston Savings Bank we
maintain physical, electronic, and procedural safeguards that comply
with Federal regulations to protect your nonpublic personal information.
We have appropriate security measures to guard against unauthorized
access to consumer, current customer and former customer information. As
a general rule, access within the bank to consumer, current customer and
former customer information is limited to persons with a legitimate
business or legal reason to know. Our employees are trained on the
proper handling of customer information and they understand the
importance of confidentiality and privacy responsibilities. Employees
who violate these policies will be subject to appropriate disciplinary
action.
Connecticut Privacy Protection Policy
In the normal course of our business, we
may request or receive social security numbers from
customers, employees, job applicants and others. At
Thomaston Savings Bank, we are concerned about privacy
and appreciate the fact that social security numbers
deserve special protection. As a result, we have
implemented polices and procedures which are designed
to:
-
protect the confidentiality of
social security numbers,
-
prohibit unlawful disclosure of
social security numbers, and
-
limit access to social security
numbers.
We Want To Hear From You
We value our banking relationship with you. If at any time you have
questions about the information privacy practices of Thomaston Savings
Bank or any of its affiliated companies, please contact us at
860-283-1874.
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Copyright 2008
Thomaston Savings Bank. All rights reserved.
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