• How information about you is collected through our Website;
• How we use and with whom we share this information;
• How you can access and update this information; and
• The choices you can make about how we collect, use and share your information.
Fairfield County Bank collects information from Website visitors and also obtains information from third parties (including from service providers) in the course of providing our mortgage and loan origination services (our “Services”), which we may add to the data we obtain through the Website. The information collected through our website includes:
• Personal and Loan-related Information. You may provide us information about you, which may include personal information and information relating to or necessary for the initiation, processing, or completion of certain financial transactions, including the issuance of loans.
• Transactional Information. We may also create transactional records of each of the transactions or other events occurring through our Website. This transactional information is generally collected (i) to enable our Services, including loan document creation, origination, management, and distribution, (ii) to enable the services provided by third parties (including determinations regarding qualification for loans or the interest rates to be applied to loans), and (iii) to enable Fairfield County Bank to comply with various legal obligations.
• Device and Usage Information. Like most online services, our Website collects standard technical, non-personal information when you use it, including internet protocol (IP) addresses, browser types, internet service providers (ISPs), the pages and content you view or interact with on our Website, the information you search for, and the dates and times that you visit our Website.
• Cookies and Other Technologies. Our Website collects certain information through the use of “cookies” and other tracking technologies. Cookies are small files that your browser places on your computer. We may use session cookies, persistent cookies, and other tracking technologies to better understand how you interact with our Website, to monitor usage by our users and web traffic routing on our services, and to improve and personalize our Website. Many Internet browsers automatically accept cookies. You may be able to instruct your browser to stop accepting cookies or to prompt you before accepting cookies from the websites you visit. Google provides some additional privacy options relating to Google analytics, described at www.google.com/policies/privacy/partners/. We do not respond to “do not track” browser signals at this time. We may also use web beacons, which are transparent graphic images on a webpage or within the body of one of our marketing emails, to allow us to measure visitor actions and assess the effectiveness of our email marketing campaigns. For example, we use web beacons in our email marketing to track instances where a user clicks through a link in the email.
We and service providers working on our behalf use information collected on our Website in a variety of ways intended to provide our Website and Services and to operate our business, including the following:
• To Provide our Services. We use the information that we collect (i) to operate, maintain, enhance and provide our Website and our Services, (ii) to provide other services and information that you request, and (iii) to provide customer support to you and other parties.
• To Improve, Analyze, and Personalize our Website and Services. We use the information that we collect to understand and analyze usage trends and preferences; to monitor and analyze the effectiveness of our Website and Services; to improve our Website and Services and develop new products, services, features, and functionality; and to personalize our Website and Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our Website, or providing customized content and information.
• To Contact You. We may use your email address or other information we collect to contact you for administrative purposes such as customer service or to send communications, including marketing or promotional communications,
relating to our Website and Services. Generally, you have the ability to opt-out of receiving promotional communications as described in item 9 below.
• Aggregate Data. We aggregate data collected through our Website and use it for purposes such as creating and sharing reports about the use of our products and services, including users’ interests, usage patterns, and trends.
• Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored to you.
We may share, transfer, or disclose your information if you consent to us doing so, as well as in the following circumstances:
• To Service Providers. We work with third party service providers to provide services including loan or transaction processing or administration; Website hosting and other similar services, development and maintenance; advertising and marketing services; and other services related to our Website and Services for us. These third parties may have access to or process your information as part of providing those services for us. Generally, we limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such information. These service providers are not permitted to use information we share that might identify you for any purpose other than to provide services to Fairfield County Bank or to you.
• In Aggregate Form. We may make certain aggregated non-personal information available to third parties for various purposes, including (i) compliance with various reporting obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding our users’ interests, usage patterns, and borrowing and loan origination trends.
• Compliance with Laws and Law Enforcement; Protection of Our Rights. We may disclose your information (including your personal information) to a third party if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process or governmental request, (b) to enforce our agreements, policies and terms of service, (c) to protect the security or integrity of our Website or Services, (d) to protect the property, rights, and safety of Fairfield County Bank, our users or the public from harm or illegal activities, (e) to respond to an emergency which we believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations.
• In Significant Business Transactions. Your information, including personal information, may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, or in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.
Our website is not directed to children under 13, and we do not knowingly collect any personal information from children under the age of 13 through our website. If we become aware that a child under 13 has provided us with personal information through our website, we will take steps to delete such information.
Our Website may contain links to other sites, as well as advertisements from companies linking to their own sites. We are not responsible for the privacy practices or the content of such sites. If you have any questions about how these other sites use your information, you should contact them directly.
Fairfield County Bank has certain measures in place to maintain the security, confidentiality and integrity of the information gathered through the Website, and to help protect against the loss, misuse and alteration of such information. While we take measures to protect your personal information against security breaches and unauthorized access, we cannot guarantee that our safeguards will be effective all of the time against all security threats.
You can access and update the information that you have provided to us as follows:
• If you are a Fairfield County Bank customer, you can access and update certain personal information in connection with your account or application by logging into your account online.
• You may contact us at Fairfield County Bank and request to review, amend or delete certain personal information collected by us.
• Please note that we may not be able to delete all information we collect through our Website.
• You may opt-out of receiving marketing emails at any time by following the steps to “unsubscribe” described in the footer of our marketing emails. Your opt-out will become effective in 10 days or less.
Fairfield County Bank
150 Danbury Road
P.O. Box 2050
Ridgefield, CT 06877
In the normal course of our business, we may request or receive social security numbers from customers, employees, job applicants and others. At Fairfield County Bank, we are concerned about privacy and appreciate the fact that social security numbers deserve special protections. As a result, we have implemented policies and procedures which are designed to: (1) protect the confidentiality of social security numbers, (2) prohibit unlawful disclosure of social security numbers, and (3) limit access to social security numbers
Fairfield County Bank recognizes your need for privacy and security as you visit our website. Described below are our policies to protect your online privacy.
The Bank has designed this website for use with web browsers that use Secured Socket Layer (SSL) technology. Secured Socket Layer is an encryption method that protects the information transmitted between our website and your computer. The Bank requires that your browser be configured for 128 bit encryption. If your browser is not configured for 128 bit encryption, you can obtain further information about 128 bit encryption from the manufacturer of your browser.
Our website contains a form that you can complete and send to the Bank over the Internet. This form requests information about you (such as your address and telephone number). This form is encrypted when it is sent over the Internet which helps protect this information from being intercepted as it is transmitted over the Internet. This is a more secure way of sending us information than sending us general public e-mail. Therefore, we suggest that you always use our e-mail form whenever you wish to send us e-mail. Whenever you communicate with us via Internet e-mail, we will retain the content of the form, the e-mail address and our response. This allows us to maintain an audit trail of our contact and to provide you with the product, service or information you may have requested.
We use firewalls and routers to create a "doorway" between the Internet and our internal computer network. This doorway restricts access to our internal computer network. Data transmissions that are sent through our firewall and routers to our internal computer network are subject to verification by the firewalls and routers. We are able, thus, to control the data transmissions that gain access to our internal computer network.
• Our website:
o Secured Socket Layer – SSL is an encryption method that we use to protect the information transmitted between our website and your computer.
o Electronic Mail - Our email form allows you to safely contact us by sending secure information through our form rather than through public email. The form is encrypted when it is sent over the Internet which helps protect this information from being intercepted.
o Firewalls & Routers – We control and verify the data transmissions that gain access to our internal computer network through firewalls and routers.
• Online & Mobile Banking:
o Multi-factor authentication
o Session time out
o Secure messaging
o Only last four-digits of your account number are visible