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Privacy Policy
When you provide us with information, you can be sure that we will hold
that information in strict confidence. We recognize and respect your
expectation that privacy be protected.
We may share information with an outside company that assists us in
providing customers with our products and services. These companies act
on our behalf and are also obligated to keep the information that we
provide them confidential. We do not share any information with other
companies for them to send you non-requested marketing information.
Information may also be exchanged with consumer reporting agencies and
provided when legally required or permitted in connection with
litigation, fraud investigation, or an acquisition or sale.
Our employees access information about you only when needed to maintain
your accounts or otherwise meet your needs. We use proven technology and
established procedures for keeping your information secure. Whenever we
ask for personal information on our website we use Secure Socket Layer
(SSL technology) to keep it confidential.
You may visit our website to find out about products and services and
marketing information without providing any information about yourself.
We do gather data regarding visits to our website, including domain
name, pages visited, length of user session, etc., to evaluate the
usefulness of our site.
We may use a software "cookie" when accessing our website. No "cookie"
will contain any information that would enable anyone to contact you via
telephone, email, or U.S. Mail. (A "cookie" is a small piece of
information, which a website stores in the web browser of your PC and
can later retrieve. A website other than the one that set the "cookie"
cannot read a "cookie". You can set your Web browser to inform you when
"cookies" are set or to prevent "cookies" from being set.)
We do not knowingly solicit data from children, and we do not knowingly
market to children. We recognize that protecting children's identities
and privacy online is important and that the responsibility to do so
rests with both the online industry and with parents.
We take appropriate steps to keep our information accurate and up to
date. If you ever notice that your information is not complete, accurate
or current please contact us to let us know. We will correct the
information as quickly as possible.
If you believe that we have not complied with our Information Practices,
you may contact us and we will investigate and respond to your concern.
Capital Bank is committed to continue to provide quality products and
services with our high level of integrity regarding personal privacy.
CAPITAL BANK, A DIVISION OF CHEMUNG CANAL TRUST COMPANY
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
March 2011
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FACTS
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WHAT
DOES CHEMUNG CANAL TRUST COMPANY, AND ITS AFFILIATES,
DO
WITH YOUR PERSONAL INFORMATION?
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Why?
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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?
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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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Information we receive from you on applications and other forms
including our website, such as: social security number, name, address, employment status, assets,
and income;
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Information about your transactions with us, our Affiliates, and
others, such as: your account balance(s), transaction history, and parties to
the transaction;
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Information we receive from a consumer reporting agency, such as:
your credit score and credit history; and
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Information from others regarding their relationships with you, such
as: an employer or creditor that we contact in order to verify information
provided by you in a loan or other application.
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How?
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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 Chemung Canal Trust Company, and its affiliates, choose to share; and
whether you can limit this sharing.
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Reasons we can share your personal information
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Does Chemung Canal,
and its affiliates, share?
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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.
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Yes
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No
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For our marketing purposes-to offer our
products and services to you
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Yes
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No
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For joint marketing with other financial companies
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No
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We don't
share
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For our affiliates' everyday business purposes-information about your transactions
and experiences
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Yes
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Yes
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For our affiliates' everyday business purposes-information about your
creditworthiness
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No
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We don't
share
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For our affiliates to market to you
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Yes
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Yes
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For non-affiliates to market to you
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No
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We don't
share
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To
limit our sharing:
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Call toll-free 1-800-836-3711 or 607-737-3711
Please
note: If you are a new customer, we can begin sharing your
information 30 days from the date we provided this notice. When you are no
longer our customer, we continue to share your information as described in
this notice.
However, you can contact us at any time to limit our
sharing.
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Questions?
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Call 1-800-836-3711 or 607-737-3711
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What we do
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How does Chemung Canal Trust Company, and its
affiliates, protect my personal information?
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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 Chemung Canal Trust Company, and its
affiliates, collect my personal information?
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We collect your personal information, for example, when you
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open an account or deposit money
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pay your bills or apply for a loan
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use your credit or debit card
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Why can't I limit all sharing?
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Federal law gives you the right to limit only
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sharing for affiliates' everyday
business purposes-information about your creditworthiness
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affiliates from using your
information to market to you
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sharing for
non-affiliates to market to you
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What happens when I limit sharing for an account I
hold jointly with someone else?
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Your choice will apply to ALL accounts you maintain with us,
individually or jointly, even if the joint account holder has not submitted
such a request.
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Definitions
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Affiliates
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Companies related by common ownership or control. They can be
financial and nonfinancial companies. Our affiliates include CFS Group, Inc.
a subsidiary of Chemung Financial Corporation.
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Non-affiliates
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Companies not related by common ownership or control. They can be
financial and nonfinancial companies. Chemung
Canal Trust Company and its affiliates do not share information with
non-affiliates so they can market to you.
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Joint marketing
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A formal agreement between nonaffiliated financial companies that
together market financial products or services to you. Chemung Canal Trust Company and its
affiliates do not jointly market.
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Member FDIC
Equal Housing Lender
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