Privacy Policy

You are safe with us.

Privacy Statement

What does Osgood State Bank do with your personal information?

 

Why?

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.


What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Income
  • Account balances
  • Payment history
  • Credit history
  • Credit scores

When you are no longer our customer, we continue to share your information as described in this notice.


How?

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 Osgood State Bank chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information:

For our everyday business purposes. To process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. 

  • Does Osgood State Bank share? Yes
  • Can you limit this sharing? No

For our marketing purposes. To offer our products and services to you.

  • Does Osgood State Bank share? Yes
  • Can you limit this sharing? No

For joint marketing with other financial companies.

  • Does Osgood State Bank share? No
  • Can you limit this sharing? We don’t share

For our affiliates’ everyday business purposes. Information about your transactions and experiences,

  • Does Osgood State Bank share? No
  • Can you limit this sharing? We don’t share

For our affiliates’ everyday business purposes. Information about your creditworthiness

  • Does Osgood State Bank share? No
  • Can you limit this sharing? We don’t share

For non-affiliates to market to you.

  • Does Osgood State Bank share? No
  • Can you limit this sharing? We don’t share


Who Are We?

Who is providing this notice?

Osgood State Bank


How does Osgood State Bank protect my personal information?

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. 

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.


How does Osgood State Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Pay your bills
  • Make a wire transfer
  • Show your Driver's License

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.


Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.


Definitions

Affiliates.  Companies related by common ownership or control. They can be financial and non-financial companies.

 Nonaffiliates.  Companies not related by common ownership or control. They can be financial and non-financial companies.

 Joint Marketing.  A formal agreement between nonaffiliated financial companies that together market financial products or services to you.