Tioga State Bank Privacy Statement

Privacy Statement | Website Safety Principles | Identity Theft

Tioga State Bank Privacy Statement

Recognizing Your Right to Privacy - We are committed to providing you with responsive, personalized service and to assure you that protecting your privacy is important to us.

In the sections that follow, we describe the types of information that are collected and how and why that information may be shared with others. As used in this notice, the terms “we,” “us” and “our” mean TSB Services, Inc. and its "Family of Companies", including: Tioga State Bank, Tioga State Investment Services; and Tioga State Insurance Agency.

“Customer information” means information about you that we collect in connection with providing you with a financial product or service and that is considered “nonpublic personal information” within the meaning of the federal law on consumer privacy.

The Information That We Collect - The primary reason that we collect and maintain customer information is to serve you and administer your financial relationship with us. This information may be collected from a variety of sources, including the following:

Information you provide to us on applications or other forms; Information we receive from an outside company, such as a credit bureau or other financial institution; Information about your transactions with us, our affiliates or others.

Maintaining the Security of Your Customer Information - We restrict access to your customer information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to protect your customer information.

Information Use and Disclosure - Within our Family of Companies, we may share transaction and experience information we collect from our account records:

Information about your transactions and experience with us, such as name, address, account balances, account activity, types of accounts, payment history, deposit history and parties to transactions.

We share this information within our Family of Companies that provide the following types of services:

Financial services, such as banking, investment advisory services, securities broker-dealer services and insurance services.

We share this information in order to provide you with information about new or enhanced financial services and to evaluate our total relationship with you and our Family of Companies in order to provide you with the best possible service.

FOR CALIFORNIA RESIDENTS ONLY: INFORMATION REGARDING YOUR TRANSACTIONS AND EXPERIENCE WITH US WILL NOT BE SHARED WITHIN OUR FAMILY OF COMPANIES IN ACCORDANCE WITH THE LAWS OF CALIFORNIA.

Information Sharing and Joint Marketing Arrangements - We may disclose customer information to companies that we have partnered with in order to perform joint marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We may share customer information we receive from you on an application or other forms, such as name, address, Social Security number and phone number.

The types of businesses we may disclose this kind of customer information include: Service providers that perform processing for us; Financial services providers, such as insurance agents; Nonfinancial companies that perform marketing support services on our behalf; and Joint marketers, such as credit card companies.

Information Sharing and Other Parties - We may disclose certain customer information to government agencies, credit reporting agencies and other outside parties as permitted by law. This might include disclosures necessary to service your account, to report the existence and condition of an account to reputable credit bureaus, to comply with a government subpoena or to prevent unauthorized transactions.

Our Policy Regarding the Use of Information About Former Customers - We do not share customer information about former customers except as permitted by law.

Protecting Your Customer Information -

Don’t give personal information, such as account numbers or Social Security numbers, over the telephone, through the mail or over the Internet, unless you know with whom you are dealing.
Store personal information in a safe place and tear up or shred old credit card receipts, ATM receipts and unused credit card offers before throwing them away.
Pay attention to billing cycles and statements. Contact the bank or other creditor if you do not receive a regular monthly bill or statement. It may mean that the document has been diverted by identity theft.
Check all account statements carefully to ensure all charges, checks or withdrawals were authorized.

If you suspect that someone has had unauthorized access to your account with us or to your personal identifying information, such as your Social Security number or credit card information, you should:

Contact the fraud department of each of the three major credit bureaus to report the identity theft and request that the credit bureaus place a fraud alert and a victim’s statement in your file. The fraud departments of the three national credit bureaus can be contacted as follows:
TransUnion — 1-800-680-7289

Equifax — 1-800-525-6285

Experian — 1-888-397-3742

You may request a free copy of your credit report. Credit bureaus must provide a free copy of your report if you have reason to believe that you have been a victim of identity theft and you submit your request in writing.

Contact your bank or other creditor where you have an account.
File a report with your local police department.
Call the Federal Trade Commission’s Identity Theft Hotline toll-free at 1-877-ID-THEFT (438-4338).

IMPORTANT INFORMATION ABOUT CREDIT REPORTING – WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

03/23/2006

Website Safety Principles

Tioga State Bank recognizes the importance of protecting the privacy of Personal Information about our customers and others who visit our website. We are committed to maintaining your privacy and safeguarding your account, transaction and personal information. Through our website, we strive to provide valuable information to you about how we may serve you, and whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services, locations, and hours.

If you visit our site to read or download information on our web pages, you need to know that we collect and store only the following information about you: name of the domain from which you access the Internet (for example, clarityconnect.com); the date and time you access our website; the pages you may have visited on our site, the Internet address of the website from which you linked to us and the country you are from. 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 site to use interactive banking tools such as financial calculators, you may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.

Never reply directly or click on a link in response to an e-mail that asks for personal or financial information. Tioga State Bank does not communicate with customers by e-mail requesting personal or financial information. If you identify yourself by sending an e-mail, or filling forms such as contact us forms, the disclosure of this information is entirely voluntary on your part. If you choose to give it, we will retain the content of the e-mail, your e-mail address, and our response in order to handle any follow-up questions you may have. The personally identifying data may be used in the future to contact you with additional information about our bank and its products and services. If you do not wish to receive additional information in the future, or if you believe your personal information is incorrect, please contact us. Information you submit to us is treated no differently than any information you might provide in a written format. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.

When is Personal Information collected on-line? When you bank online with Tioga State Bank or use TSB Online Bill Pay, Tioga State Bank and our business partners, who help us deliver these services to you, will have access to your Personal Information. This information is retained on either Tioga State Bank’s or our partners’ systems in order to provide you with the services you have requested.

Cookie Technology - In order to provide better service, we will occasionally use a ‘cookie.’ Cookies are used to estimate our audience size. Each browser accessing our site is given a unique cookie that is then used to determine whether a user is a first-time visitor or a return visitor. This helps us deliver better service by helping us understand whether the majority of those accessing our site are new or repeat visitors. You can set your web browser to inform you when cookies are going to be set.

Tioga State Bank will 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.

Sometimes we send our customers information about our products and services. If you do not wish to receive this information, or if you believe your personal information is incorrect, please contact us. We will investigate the situation and, if appropriate, update our records.

If you have any questions regarding our Privacy Policy or Website Safety Principles that are not answered in this section, please call us at 888-303-4TSB (4872), write to us at Tioga State Bank, Attn: Mr. Robert Fisher, 1 North Main Street, PO Box 386, Spencer, New York 14883-0386, or e-mail us using our Contact Us button at www.tiogastatebank.com.

This policy is reviewed periodically by Tioga State Bank and may be subject to change.

Thank you for visiting our website. Tioga State Bank appreciates your inquiries and your business. Our motto is “Your Money, Your Way.” Our personal service is unmatched!

Identity Theft

Beware of official check scams and other common financial scams. Tioga State Bank and Federal Financial Agencies DO NOT communicate with consumers by e-mail requesting important personal information such as name, account numbers, date of birth or Social Security numbers. Learn how to protect yourself on our Identity Theft Information page.