Spencer Savings Bank, is committed to protecting your privacy when you use our website. This privacy policy explains the information we collect when you visit our Site, how we collect it, how we use it, and how we protect it. This policy does not apply to the offline activities. From time to time, we may modify this policy, so please review it periodically for changes. Your continued use of our Site after we have modified the policy indicates your agreement to the modified terms.
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.
This policy does not apply to our online banking platforms or any Non-Public Information as regulated by the Gramm-Leach-Bliley Act (GLBA). For more information on how your information is handled via these services please refer to our GLBA Privacy Notice.
Spencer Savings Bank, may collect anonymous information about users who visit our Site and aggregate the anonymous information for statistical analysis. For instance, we may use it to determine usage patterns so we know which parts of our Site are most popular. Examples of the type of anonymous information we collect and how we collect it are:
Internet Tags: provide information about your browser (e.g., Microsoft Internet Explorer, Google Chrome, and Mozilla Firefox), operating system (e.g., Windows, Apple), Internet service provider (e.g., Verizon, or cable provider) and similar information.
IP Addresses: a number assigned to your computer by a Web server when you are on the Internet; we might use IP address information to determine the number of users who have visited a specific area of our Site. Please note we could use this information to identify you if necessary to comply with legal requirements or for security issues.
What is Personally Identifiable Information? Personally Identifiable Information (“Your Information”) includes information such as your name, address, telephone number, email address, or street address.
Spencer Savings Bank will not collect Personally Identifiable Information about you when you visit our web site unless you have chosen to voluntarily 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 except as provided in our Privacy Notice.
When visiting our web site, you do so without revealing who you are and without revealing any Personally Identifiable 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 should call us, send it by regular mail or visit one of our branch offices.
If you provide us with Personally Identifiable 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 or for contacting you directly. Once your information is received by the bank, only approved personnel may open and process the information you provided.
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.
Spencer Savings Bank, will not disclose or sell personal information about its customers except as permitted by law, as provided in this Policy or our Privacy Notice. Spencer Savings Bank, 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.
Spencer Savings Bank, strives to keep Your Information secure and safeguard it from unauthorized access by using “Secure Socket Layer” encryption, firewalls to protect our servers, and virus/intrusion detection software. However, no transmission over the Internet can be guaranteed to be 100% secured, so you provide Your Information at your own risk.
If you enable location services on your device and consent when prompted by the Services, we may collect your location data, including when the app is closed or not actively in use. For example, this may be used to support features such as fraud detection. If you prefer not to share your location, you can decline when prompted or change your device’s location settings at any time.
A “cookie” is a small text file or text identifier placed on end users’ computers or device when the user visits the Spencer Savings Bank website or uses Spencer Savings Bank’s online services. Cookies are commonly used to enable website functionality, improve performance, enhance security, and provide a better user experience. Cookies do not harm end users’ systems. Spencer Savings Bank uses cookies on its website and in connection with our online services. These cookies may be session-based or persistent and may include strictly necessary cookies that are required to operate the website, maintain security, and provide access to requested services and user accounts.
Spencer Savings Bank has implemented an opt-in approach to the use of cookies that are not strictly necessary for the operation of the website or the provision of requested services. Where required, such cookies will not be placed on an end user’s device unless and until the user has provided affirmative consent through the website’s cookie consent mechanism. Certain cookies used in the online services platform are pre-expired and common across an entire session. Acceptance of strictly necessary cookies is required to access and use online banking functionality and user accounts.
Any private or sensitive data stored in cookies by Spencer Savings Bank or by the online service platform is encrypted and used solely for internal and operational purposes. Spencer Savings Bank does not use cookies to access personal information unrelated to the provision of its services and does not sell or share cookie-derived information except as permitted by law and as described in this Privacy Policy.
We protect and safeguard the privacy of users of our online 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.
In accordance with the Children’s Online Privacy Protection Act, Spencer Savings Bank, sla does not knowingly solicit names or personal information from children under the age of thirteen (13). We are committed to respecting the privacy of children online and recognize that this responsibility rests with both the online industry and with parents.