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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.
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
this notice?
Institution for Savings
What We Do
How does Institution for Savings protect my
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
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.
Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Institution for Savings has no affiliates.
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

Mobile Banking Privacy Statement
This statement applies when you use our mobile banking products, services, software, and applications and explains how we collect, use, and share information when using these products.

Please see our separate Privacy Notice for a statement about information sharing and your rights with Institution for Savings outside of our Mobile Products.

When you use Mobile Products, you agree to the terms of this statement, and you are providing consent for our use and disclosure of information about you through our Mobile Products in accordance with this statement. You have the right to opt out of the disclosure of such information by not enrolling in, using, or installing Mobile Products, or by unenrolling from and uninstalling all Mobile Products. Unenrolling from and uninstalling the Mobile Products may not, and in cases of information shared with third parties will not, delete information we have previously gathered or disclosed.

The types of information we may collect through our Mobile Products can include:
  • Contact information such as name, address, email address, phone or mobile number.
  • Login credentials and unique device identifiers.
  • Information about your location.
  • Information about your use of the service including payment information.
  • Photographs and other files that you intentionally share with us through Mobile Products, such as photographs of checks that you share in order to use the Mobile Deposit service, or files you attach to secure messages.
  • Contacts that you input or share in order to make person-to-person payments or other funds transfers.
Some information is collected automatically and does not require any action on your part. This information may include unique device identifiers including but not limited to Internet Protocol (IP) addresses; browser type and version, the date, time, and length of your visit; pages visited; and activity. The information collected is used to enrich app features, simplify your user experience, and improve the service offered to you. You may be asked to grant permission to access features on your mobile device, which may include but is not limited to, the following:

Permission Access Purpose
Camera Camera Mobile Deposit
Location Your location Maps

Other information is collected once you initiate a specific action. This may include adding attachments to secure messages or providing diagnostic and crash logs.

We reserve the right to update this Policy at any time. When changes are made, we will revise the date on this page. Any changes made to our Policy will become effective upon posting except to the extent applicable law requires other notice to you, in which case we will comply with applicable law.

We take your privacy and the security of your personal information very seriously. We use security controls that comply with applicable federal laws to protect your personal information against unauthorized access and use. The safety and security of your information also depends on you. The Bank is entitled to act on instructions received through the App using your login credentials. You shall protect the confidentiality of your account and account number, user ID, password, security questions, the image you select to authenticate your account, personal passphrase, multi-factor authentication devices and passcodes, geolocation information, and other authentication methods (collectively, “login credentials”). You shall not, under any circumstances, disclose your login credentials to any person whom you have not formally authorized to access and make transactions with your account. We ask you not to share your login credentials with anyone.
Rev. 1/12/2024

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