Financial Services Privacy Policy

Financial Financial Services Privacy Policy

Financial Services Privacy Policy

Facts

What does AAA Northeast 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 employment information
  • Account balances, transaction history and credit information
  • Credit history, credit scores, assets and investments

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 AAA Northeast Bank chooses to share; and whether you can limit the sharing.

Reasons we can share your personal information

Does AAA Northeast 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 transaction and experiences. 

Yes

No

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

Yes

Yes

For our affiliates to market to you. 

Yes

Yes

For non-affiliates to market to you.

Yes

Yes
*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.

Who We Are

Who is providing this notice?

  • AAA Northeast Bank

What We Do

How does AAA Northeast Bank protect my personal information?

  • To protect your personal information from unauthorized access and use, we use security measures that are designed to comply with federal law. These measures include computer safeguards and secured files and buildings.


How does AAA Northeast Bank collect my personal information?

  • We collect your personal information, for example, when you
    • Open an account or deposit money
    • Apply for a loan or provide account information.
  • 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 non-affiliates 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?

  • Your choices will apply to everyone on your account.

 

Definitions

Affiliates

  • Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include those companies that control, are controlled by or are under common control with AAA Northeast.


Non-Affiliates

  • Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Non-affiliates we share with can include insurance agencies, financial product or service companies, retailers and travel companies.


Joint Marketing

  • A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies, and financial product or service companies.

Other Important Information

Do Not Call Policy:

This notice is the AAA Northeast Bank Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. AAA Northeast Bank associates receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from AAA Northeast Bank will be placed on the AAA Northeast Bank Do Not Call list and will not be called in any future campaigns, including those of AAA Northeast Bank affiliates. If you communicate with us by telephone, we may monitor or record the call.

For Nevada Residents Only:

We are providing you this notice under state law. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number-702.486.3132; email: BCPINFO@ ag.state.nv.us.

For Vermont Residents Only: 

Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

For California Residents Only:

Under California law, we will not share information we collect about you with companies outside of AAA Northeast Bank, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.

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