Chelsea Groton Bank - Privacy and Legal

Privacy Notice
Legal Information

Protection and Privacy for our customers

USA Patriot Act Customer Identification Notice
Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What This Means For You
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Privacy Notice
At Chelsea Groton Bank the privacy of our customers' non-public personal information is of utmost importance to us. Our team is committed to provide excellent service while always keeping in mind that the non-public personal information and nature of the business transacted with us is handled in a confidential manner. We will not disclose any non-public personal information about our customers except to entities with which we have a marketing agreement, between our Affiliated Companies, or as permitted or required by law.*

Information We Collect
Non-public personal information is obtained when you become a customer of the bank. We recognize our obligation to take appropriate steps to keep the information provided to us secure and confidential. We collect non-public personal information about you from the following sources:

Information we receive from you on application(s) or other forms;
Information about your transaction(s) with us, our affiliates, or others; and
Information we receive from a consumer reporting agency(ies).

Information We Share
From time to time, all of the information we collect may be shared between our Affiliated Companies, to the extent allowed by law. All of our Affiliated Companies have policies and procedures in place designed to limit access to your non-public personal information to employees who need to know such information to perform their work.

We may also disclose any non-public personal information we collect about you to non-affiliated third parties as permitted or required by law.* We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
(See "Marketing Agreement" under "Definitions")

How We Protect Your Information
We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information.
If you should decide to close your account(s) or become an inactive customer, we will continue to adhere to our privacy policy as described in this notice.

Protecting your privacy, along with your financial assets, is the way we have done business at Chelsea Groton Bank since 1854. We thank you for choosing us as your full service bank and financial services provider. If you should have any questions or concerns regarding our privacy policy or procedures, please stop in or call any of our offices at (860) 823-4800.

Please understand that this notice is merely a summary of our policies and procedures and is not a contract. We reserve the right to revise the policies and procedures described in this Notice.

Definitions:
The following terms will be used in this notice and defined as stated below:

We, us and our will always refer to our Affiliated Companies, as described below.

You and Your refers to our customers with whom we have a continuing relationship through one or more accounts, and also a consumer who may have applied for a loan but was declined.

Affiliate is any company that controls, is controlled by or is under common control with another company. Our Affiliated Companies include the following financial service providers: Chelsea Groton Savings Bank, Chelsea Groton Service Corporation and Chelsea Groton Financial Services Inc.

Consumer Reporting Agency is a person or business who/that, among other things, makes a practice of collecting consumer information for the purpose of furnishing consumer reports to third parties.

Marketing Agreement is an agreement between us and any company which performs marketing services for us, or another financial institution with which we have a joint marketing agreement to market products or services. Marketing Agreements prohibit the third party's use of the confidential information we provide for any purpose other than its intended use or as permitted by law.

Non-affiliated third party is any person(s) or entity who/that is not an Affiliate or is not a joint employee of one of our Affiliated Companies and a third party.

Non-public personal information includes personally identifiable financial information that is generally not available from public sources.

* Disclosures that are permitted or required by law include, for example, disclosures to: regulatory agencies, consumer reporting agencies, accountants and service providers.

860-823-4800 * 860-448-4100 * 860-572-4000
Member FDIC, Equal Housing Lender

Legal Information

If you are a copyright owner, or its agent or licensee, and you have reason to believe that any of the information on one of the web sites you reach through a hyperlink on our site contains material which infringes on your copyright, you may notify us pursuant to the Digital Millenium Copyright Act of 1998 by sending notice to:

The notice must be signed by a person authorized to act on behalf of the owner of the allegedly infringed material, and must contain:
(a) identification of the copyrighted work claimed to have been infringed
(b) identification of the hyperlink to the allegedly infringing material and information sufficient to permit us to locate the link to the infringing material
(c) a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, or the copyright owner's authorized agent, or the law
(d) a statement that the information in the notice is accurate, and, under penalty of perjury, that the complaining party is authorized to act on behalf of the copyright owner of the allegedly infringing material.

You must also provide sufficient information to allow us to contact you, such as address, telephone number, and if available, your electronic mail address.

Anyone who knowingly misrepresents that material is infringing in such a notice will be liable for any damages and any associated costs incurred by us, any alleged infringer, or any copyright owner or its authorized agent or licensee.

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