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FACTS |
WHAT DOES MASCOMA BANK AND MASCOMA WEALTH MANAGEMENT, LLC DO WITH YOUR PERSONAL INFORMATION? |
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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 Mascoma Bank and Mascoma Wealth Management, LLC chooses to share; and whether you can limit this sharing. |
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Reasons we can share your personal information |
Does Mascoma Bank and Mascoma Wealth Management, LLC 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 |
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For our marketing purposes—to offer our products and services to you |
Yes |
No |
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For joint marketing with other financial companies |
Yes |
No |
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For our affiliates’ everyday business purposes—information about your transactions and experiences |
Yes |
No |
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For our affiliates’ everyday business purposes—information about your creditworthiness |
No |
We don’t share |
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For our affiliates to market to you |
No |
We don’t share |
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For nonaffiliates to market to you |
No |
We don’t share |
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Questions? |
Contact our Customer Care Center at 1-888-627-2662 (1-888-MASCOMA) |
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Who we are |
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Who is providing this notice? |
Mascoma Bank and Mascoma Wealth Management, LLC |
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What we do |
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How does Mascoma Bank and Mascoma Wealth Management, LLC 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. |
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How does Mascoma Bank and Mascoma Wealth Management, LLC collect my personal information? |
We collect your personal information, for example, when you • Open an account or provide account information • Apply for financing or provide your mortgage information • Make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
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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 nonaffiliates 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. |
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Definitions |
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Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include banks that are controlled by or under common control of ClearNorth Financial Mutual Holding Company; Financial companies such as Mascoma Wealth Management, LLC; Androscoggin Savings Bank and nonfinancial companies such as Mascoma Technologies, Inc. and ASB Corporation. |
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Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Mascoma Bank and Mascoma Wealth Management, LLC do not share with nonaffiliates so they can market to you. |
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Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing includes securities broker dealers and insurance agencies. |
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Other Important Information |
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We will not disclose personal information about California and Vermont residents to third parties unless otherwise permitted by law. Vermont Residents – Except as permitted by law, we will not share information we collect about you with nonaffiliates or affiliates unless you authorize us to do so. |
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