Privacy Policy

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. 

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 North Salem State Bank chooses to share; and whether you can 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 

For our marketing purposes—
to offer our products and services to you

For our affiliates’ everyday business purposes—
information about your transactions and experiences 

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

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.

 

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. 

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 credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. 

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.

• NSSB does not share with our affiliates. 

 

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

• NSSB does not share with nonaffiliates so they can market to you. 

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• NSSB doesn’t jointly market.