Privacy Disclosure

Rev. 09/2016

FACTSWHAT DOES bankESB 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 Transaction History
  • Credit History and Payment History
  • Overdraft History
When you are no longer our customer, we continue to share your information as described in this notice.
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 bankESB chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes bankESB 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 bureausYesNo
For our marketing purposes - to offer our products and services to youYesNo
For joint marketing with other financial companiesNoWe do not share
For our affiliates' everyday business purposes -information about your transactions and experiencesYesNo
For our affiliates' everyday business purposes – information about your credit worthinessNoWe do not share
For affiliates to market to youNoWe do not share
For nonaffiliates to market to youNoWe do not share
Questions?Call (855) 527-4111 or go to www.bankesb.com
What We Do
How does bankESB protect my personal 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.

Employees are educated and required to maintain strict confidentiality of your personal information. We contractually bind third party companies or vendors to strict confidentiality with respect to any information provided.
How does bankESBcollect my personal information?We collect your personal information, for example, when you:
  • Open an account or make deposit or withdrawals from your account.
  • Apply for a loan or give us your income information.
  • Show your driver's license.
  • Use your credit or debit card

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 credit worthiness.
  • 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.
Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
  • bankESB and bankHometown are both wholly owned subsidiaries of the Hometown Financial Group, Inc.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies
  • bankESB does not share with nonaffiliates so they can market to you.
Joint MarketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • bankESB does not jointly market.
Other Important Information
  • We adhere to Massachusetts Data Protection Law, regulation 201 CMR 17.00: Standards For The Protection Of Personal Information Of Residents Of The Commonwealth that mandates personal information be encrypted when stored on portable devices, or transmitted wirelessly or on public networks. Additionally, the regulations call on businesses to utilize up-to-date firewall protection that creates an electronic gatekeeper between the data and the outside world and only permits authorized users to access or transmit data, according to preset rules.
  • Children’s Online Privacy: The law requires parental consent to collect or use information from a child under 13. If you are a child under 13, please show this to your parents and do not use the online services of this institution without verifiable parental consent pursuant to the Children’s Online Privacy Protection Act.