Bank of Cattaraugus Privacy Statement

PRIVACY DISCLOSURE

Bank of Cattaraugus believes privacy is fundamental to our American way of life.  We are committed to the strong tradition of safeguarding our customers’ private financial information. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. We want you to understand what information we collect and how we use it.  Bank of Cattaraugus and its employees have established these privacy policies to maintain the security, integrity and confidentiality of your personal financial information.  If you ever have any questions or concerns about the integrity of your account information, please contact us.  This privacy disclosure is being issued to comply with the provisions of the Gramm-Leach-Bliley Act governing the privacy of consumer financial information.

Information We Collect:

We may collect non-public personal information about you from the following sources:

1. Information we receive from you on applications or other forms such as:  name, address, social security number, assets, liabilities and income.

2. Information about your transactions with others or with us such as:  account balance, payment history, and credit card usage.

3. Information we receive from third parties such as credit bureaus for example:  credit worthiness and credit history.

Information We Disclose:

We are permitted under law to disclose non-public personal information about you to third parties in order to assist us in servicing your account or loan with us, to government entities in response to subpoenas, and to credit bureaus. We in turn require them to have similar privacy safeguards, to further ensure your confidentiality.  We do not disclose any nonpublic personal information about you to anyone else, except as permitted by law.

Confidentiality and Security:

 Bank of Cattaraugus takes steps to safeguard customer information.  We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic information.  We allow access to your personal and account information only to those employees who need to know that information in order to provide products or services to you.  If you decide to close your account(s) or become an inactive customer, we will continue to adhere to these same privacy policies and practices.

Internet Privacy:

The following discloses our information gathering and dissemination practices for this site.

You can visit this site and find out about our products and services or other information without giving us any information about yourself.

We do not collect identifying information about visitors to our site. All visitors remain anonymous. Our site does not use "cookies" in any way.

While cookies can be useful for enabling a web site to track which users have seen what information, many people resent the invasion of privacy they represent. Hence, our web site(s) does not use or collect cookies. See below for more information.

We use standard software to collect non-identifying information about our visitors, such as:

1. The type of Browser being used
   
   

2. The date and time our site was accessed
   
   

3. The IP address - This address is a unique string of numbers that identifies a computer on the Internet. These numbers are usually shown in groups separated by periods, like this: 206.231.2.20 All resources on the Internet must have an IP address--or else they're not on the Internet at all.

We use this information to create summary statistics and to determine the level of interest in information available on our site.

Email is our preferred method of communication and we value the privilege to use it. Visitors may elect to provide us with personal information via E-mail, [online registration forms]. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.