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Privacy Policy

                                                                                                                                Rev. 08/2012 
What Does Winter Hill 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                                            • Payment history
  • Income                                                                           • Credit history
  • Account balances                                                       • Credit scores

For former customers we will continue to adhere to the same privacy policies and practices 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 Winter Hill Bank chooses to share; and whether you can limit this sharing.

 Reasons we can share your personal information Does Winter Hill 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 transactions and experiences  No We don’t share
 For our affiliates’ everyday business purposes – information about your creditworthiness  No  We don’t share
 For non-affiliates to market to you  No  We don’t share

 Questions? Call toll-free 800-444-4300    or    Contact Us


What We Do  
How does Winter Hill Bank 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.
We limit access to your personal information to those employees for whom access is appropriate.
How does Winter Hill Bank collect my personal information? We collect your personal information, for example, when you:

  • Open an account                                       • Apply for a loan
  • Deposit money                                          • Use your debit card
  • Pay your bills

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.

 Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.

  • Winter Hill Bank has no affiliates.
 Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Winter Hill Bank does not share with non-affiliates so they can market to you.
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.
 Other Important Information
 The security measures that we have in place also comply with the Massachusetts Data Protection Law which is designed to safeguard the personal information of Massachusetts residents.