Privacy Policy for Consumers
| FACTS | WHAT DOES PATRIOT BANK, N.A. DO WITH YOUR PERSONAL INFORMATION? Last Revised 3/2021 |
| 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:
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 PATRIOT BANK, N.A. chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does PATRIOT BANK, N.A. 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 | No | We don’t share |
For joint marketing with other financial companies | No | We don’t share |
For our affiliates’ everyday business purposes – Information about your transactions and experiences | No | We don’t share |
For our affiliates’ everyday business purposes – Information about your creditworthiness | No | We don’t share |
For nonaffiliates to market to you | No | We don’t share |
| Questions? | 1-888-PATRIOT (1-888-728-7468) or go to www.BankPatriot.com |
| Who we are |
| Who is providing this notice? | PATRIOT BANK, N.A. |
| What we do |
| How does PATRIOT BANK, N.A. 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. |
| How does PATRIOT BANK, N.A. collect my personal information? | We collect your personal information, for example, when you
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
State laws and individual companies may give you additional rights to limit sharing. |
| Definitions |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
| FACTS | WHAT DOES [BRAND] 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:
When you are no longer our customer, we continue to share your information as described in |
| How? | All financial companies need to share customers’2 personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’3 personal information; the reasons [Brand] chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does [Brand] 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 | ||
For joint marketing with other financial companies | ||
For our affiliates’ everyday business purposes – Information about your transactions and experiences | ||
For our affiliates’ everyday business purposes – Information about your creditworthiness | ||
For nonaffiliates to market to you |
| Questions? | Call [phone number] or go to [link to privacy policy on website] |
1 Only SSN is included in the model form, but for the Program we recommend including this additional information.
2 This is blank in the model form. As noted in the guide, we recommend a default position of considering the cardholders to
be your “customers” rather than “consumers”. However, if you work with counsel and are confident your cardholders are
consumers (not customers), then you would change this to instead say “consumers”.
3 Please see footnote 14 above.
| Who we are |
| Who is providing this notice? | [Brand legal entity] |
| What we do |
| How does [Brand] 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. |
| How does [Brand] collect my personal information? | We collect your personal information, for example, when you
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 only5
State laws and individual companies may give you additional rights to limit sharing. |
| Definitions |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. |
| Other important information |
*Vermont Residents — In accordance with Vermont law, we will not share personal financial information about you, |
4 The language in these two bullet points is not included in the model form, but this is our suggested language.
5 The language in the bullet points below is included in the model form.
6 This language is not included in the model form. Our suggested language here is for situations where information is only
shared as necessary to complete transactions under the Program.
