Privacy

MSB.Download Download the Privacy Notice pdf

FACTS

WHAT DOES MASCOMA SAVINGS BANK AND MASCOMA WEALTH MANAGEMENT, LLC 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

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 Mascoma Savings Bank and Mascoma Wealth Management, LLC chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Mascoma Savings Bank and Mascoma Wealth Management, LLC 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

Yes

No

For our affiliates’ everyday business purposes—information about your creditworthiness

No

We don’t share

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

No

We don’t share

 

To limit

our sharing

Contact a Personal Banker at 888-MASCOMA (627-2662)

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Contact our Compliance Department at (888) 627-2662 ext. 4931

 

Who we are

Who is providing this notice?

Mascoma Savings Bank and Mascoma Wealth Management, LLC

What we do

How does Mascoma Savings Bank and Mascoma Wealth Management, LLC protect my 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 Mascoma Savings Bank and Mascoma Wealth Management, LLC collect my personal information?

We collect your personal information, for example, when you

• Open an account or provide account information

• Apply for financing or provide your mortgage information

• Make deposits or withdrawals from your account

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.

See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Mascoma Savings Bank and Mascoma Wealth Management, LLC do not limit sharing by account but rather by individual. Therefore, your choices will apply to all of your accounts with Mascoma Savings Bank and Mascoma Wealth Management, LLC.

 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include financial companies such as Mascoma Savings Bank, Mascoma Wealth Management, LLC and Centurion Corporation/Centurion Insurance Group.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Mascoma Savings Bank and Mascoma Wealth Management, LLC do 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.

• Our joint marketing includes securities broker dealers and insurance agencies.

 

Other important information

Vermont Residents – Except as permitted by law, we will not share information we collect about you with nonaffiliates or affiliates unless you authorize us to do so.