We recognize the importance of protecting the privacy of personally identifying information that may be submitted to us when you visit our website.
The information we receive depends on what you do when you visit our site. This is how we handle the information we learn about you from your visit to our website.
If you visit our site to read or download information on our web pages such as press releases and checking and savings account information:
We collect and store only the following information about you: Name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an American Online account, or a similar domain corresponding to your Internet Service Provider (ISP); date and time you access our website; pages you may have visited on our site; and Internet address of the website from where you came to visit our website.
We use the information we collect to measure the number of visitors to the different pages and sections of our site, and to help us make our site more useful to visitors.
If you visit our website to use interactive banking tools such as financial calculators and self-tests:
You may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.
If you provide us with Personally Identifiable Financial Information using one of our on-line inquiry forms or guest registers:
The information you supply to us in any of the on-line inquiry forms found on our website is processed through a secure site, which may also use encryption to enhance the security of your personal information. This information will only be used to respond to your needs and inquiries. Once the bank receives your information, only approved personnel may open and process the information you provided.
If you identify yourself by sending an e-mail:
When visiting our web site, you do so without revealing who you are and without revealing any Personally Identifiable Financial Information. However, by using the electronic mail feature on our website to contact us, you are sending us your electronic mail address and perhaps other information that typically might include your name, mailing address and any other information that you might include in the electronic mail itself. You never send us Personally Identifiable Financial Information that you do not enter yourself.
Unless otherwise indicated, your e-mail transmission, and our response, are not secure and may be subject to interception.
We ask that you do not send confidential information to us via electronic mail. If you want to send us Personally Identifiable Financial Information like account or social security numbers, you might want to call us, send it by regular mail or visit one of our branch offices.
We will not obtain Personally Identifiable Financial Information about you when you visit our web site unless you have chosen to provide such information to us. The information that you choose to send us by e-mail is used internally only for the purpose of meeting your request or for contacting you directly. This information is not shared with any other organization.
If you use our Internet banking product:
Spencer Savings Bank follows strict privacy procedures in regard to protecting your personal information. The bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies.
Our Internet financial services provider, Digital Insight, may collect general information from Internet Banking visitors simply to help us provide banking and other financial services to you online. They collect certain information on our behalf for security and statistical purposes. The information collected for these purposes may include:
- The Internet address (referral site) which brought you to our web site;
- The date and time you accessed our site;
- The name and version of your web browser;
- The Internet service provider you used when you accessed our site;
- Your Internet Protocol (IP) address; and
- The pages visited in our Internet Banking site.
Use of cookies
A "cookie" is a small text file or text identifier placed on end users' computers. Cookies are commonly used on websites and do not harm end users' systems. Pre-expired cookies are used in the Digital Insight AXIS Internet Banking Product. The cookies are common across an entire session and end users must accept all cookies while accessing their accounts. All private data stored in cookies by the Digital Insight system are encrypted, and for internal use only.
We Want To Be Very Clear
We protect and safeguard the privacy of users of our on-line services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.
Respecting the Privacy of Children
In accordance with the Children's Online Privacy Protection Act, Spencer Savings Bank, SLA does not knowingly solicit names or personal information from children. We are committed to respecting the privacy of children online and recognize that this responsibility rests with both the online industry and with parents.
We will NOT sell or provide personally-identifying information to a third party for the purpose of solicitation or provide personal information to a third party for its own use.
Sometimes we send our customers information about our products and services. If you do not wish to receive this information, or if you believe that your personal information is incorrect, please contact us. We will investigate the situation and if appropriate update our records.
If you have any questions that are not answered in this section please contact us.
Copyright notice and disclosures
Use of Information
Any person is hereby authorized to view the information available from this Web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Spencer Savings Bank SLA.
Copyright Information
©2005 Spencer Savings Bank SLA, All Rights Reserved
©2005 The Forms Group, Scottsdale, AZ, All Rights Reserved
All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.
Trademark Information
BankSITE¨ is a registered trademark of The Forms Group.
Disclaimer of Warranties
The information contained or accessed, and references to corporations, including their services and products, are provided "as is" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service. Descriptions of, or references to, products, services or publications within Spencer Savings Bank's Web site does not imply endorsement of that product, service or publication. Spencer Savings Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Spencer Savings Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.
This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.
Disclosures
Disclosure Statement For Consumers: Loan information presented on the Web site of Spencer Savings Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time. Rates are subject to change without notice.
Deposit information presented on the Web site of Spencer Savings Bank is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time. Rates are subject to change without notice.
Facts, data, & other information presented on Spencer Savings Bank Web site pages are provided directly by Spencer Savings Bank.
Spencer Savings Bank, our employees, officers, and directors, as well as BankSITE¨, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.
Equal Housing Lender | Member FDIC | Spencer Savings Bank | Subject property must be in New Jersey