Privacy Policy

Our Privacy Notice

Protecting your privacy is important to The North Salem State Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all NSSB employees for collection, use retention, and security of nonpublic personal information.

FACTS	WHAT DOES NORTH SALEM 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 and income account balances and payment history credit history and 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 North Salem State Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		*Does North Salem State Bank* share?**	Can you limit this sharing?
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		Yes	No
For our marketing purposes— to offer our products and services to you		No	We don't share
For joint marketing with other financial companies		No	We don't share
For our affiliates’ everyday business purposes— information about your transactions and experiences		No	We don't share
For our affiliates’ everyday business purposes— information about your creditworthiness		No	We don't share
For our affiliates to market to you		No	We don't share
For nonaffiliates to market to you		No	We don't share
Questions?	Call 765-676-5100 or go to www.nssb.cc

Who we are
Who is providing this notice?	North Salem State Bank

What we do
How does North Salem 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.
How does North Salem State Bank collect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card 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 nonfinancial companies. North Salem State Bank has no affiliates
Nonaffiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies. North Salem State Bank does not share with nonaffiliates so they can market to you
Joint marketing		A formal agreement between nonaffiliated financial companies that together market financial products or services to you. North Salem State Bank doesn’t jointly market

About Children's Online Privacy

The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. North Salem State Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, visit the Federal Trade Commission's website at Coppa Protections and click on Children's Online Privacy link on left side of page. For further information, the Federal Government has created a Web site at Kids Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.