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Privacy Policy

We are committed to safeguarding your privacy
and security.

 
FACTS What does Institution for Savings do with your personal information?
Why? 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 notice carefully to understand what we do.
What?
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 credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
How? 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 Institution for Savings chooses to share; and whether you can limit this sharing.
Questions?  Call 978-462-3106

 Reasons we can share your personal information Do we 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 Do Not Share
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No We Do Not Share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We Do Not Share
For our affiliates to market to you No We Do Not Share
For nonaffiliates to market to you No We Do Not Share
Who We Are
Who is
providing
this notice?		 Institution for Savings
What We Do
How does Institution for Savings 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 Institution for Savings collect my
personal
information?
We collect your personal information, for example, when you:
 
  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your debit card
We also collect your personal information from others, such as credit bureaus, affiliates, 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.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
 
  • Institution for Savings has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
 
  • Institution for Savings does not share with nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
 
  • Institution for Savings does not jointly market.

Rev. 12/1/2010

As always, please contact us with any questions or concerns.