| FACTS |
WHAT DOES
POLONIA BANK
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 ?nancial companies need to share personal information to run their everyday
business. In the section below, we list the reasons ?nancial companies can share their customer's personal information; the reasons Polonia Bank chooses to share; and
whether you can limit this sharing. |
|
| Reasons we can share your personal information |
Does Polonia Bank 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 |
Yes |
No |
For our affiliates’ everyday business purposes -
information about your transactions and experiences |
No |
We don't share |
For our affiliates’ everyday business purposes -
information about your creditworthiness |
No |
We don't share |
| For nonaffiliates to market to you |
No |
We don't share |
|
|
| Questions |
Call 215-938-8800 or go to www.poloniabank.com |
|
| Who we are |
| How does Polonia Bank
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.
Our physical, electronic, and procedural safeguards that comply with
federal standards to guard your nonpublic personal information. |
| How does Polonia bank
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 or credit card
We also collect your personal information from others, such as credit
card bureaus, affiliates, and 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 non financial companies.
- Polonia Bank does not share with it's affiliates
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be
financial and non financial companies.
- Polonia Bank does not share with it's non affiliates so they can market you.
|
| Joint marketing |
A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
- Out Join marketing partners may include Financial Advisory Companies, Insurance Companies and Financial Institutions
|
|
| Other important information |
|
