Privacy Policy
NBT Financial And Your Personal Information
Rev. Date 8/19
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. |
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What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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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 NBT Financial chooses to share, and whether you can limit this sharing. |
Reasons We Can Share Your Personal Information | Does NBT Financial Share? | Can You Limit This Sharing? |
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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 | No | We Do Not Share |
For our affiliates’ everyday business purposes – information about your transactions and experiences |
No | We Do Not Share |
For our affiliates’ everyday business purposes – information about your creditworthiness |
No | We Do Not Share |
For our affiliates to market to you | No | We Do Not Share |
For our nonaffiliates to market to you |
No | We Do Not Share |
What We Do | |
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How does NBT Financial 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 NBT Financial collect my information? | We collect your personal information, for example, when you
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Why can’t I limit all sharing? | Federal law gives you the right to limit only
See below for more on your rights under state law. |
Definitions | |
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Affiliates |
Companies related by common ownership or control. They can be financial and non-financial companies.
NBT does not share with affiliates.
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Non‑Affiliates |
Companies not related by common ownership or control. They can be financial and non-financial companies.
Nonaffiliates we share with can include companies such as email marketing firms and direct mailing firms working on behalf of NBT Financial.
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Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you. NBT does not jointly market. |
Other Important Information | |
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For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Customers. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.
NBT Financial is chartered, licensed, or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against NBT Financial should contact the Texas Department of Banking through one of the means indicated below:
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