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Online Privacy

YOUR PRIVACY IS IMPORTANT TO US
You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

Naugatuck Valley Savings & Loan works diligently to safeguard the information you give to us. We will ensure your confidentiality and maintain your confidence in our institution with the following policies which detail the strict standards we have in place. For this reason, we ask you to please read the following information carefully.

NOTICE OF YOUR
FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Naugatuck Valley Savings and Loan.
This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

  • All of our consumer customers who have a continuing relationship with us, such as:
  • Deposit account
  • Loan account
  • Safe deposit box

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliateis a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third partyis a company that is not an affiliate of ours.


THE INFORMATION THAT WE COLLECT

  • We collect nonpublic personal information about you from the following sources:
  • Information we receive from you on applications or other forms
  • Information about your transactions with us Information about your transactions with our affiliates
  • Information about your transactions with nonaffiliated third parties
  • Information from a reporting agency


INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you 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 standards to guard your non public personal information.

NONPUBLIC PERSONAL INFORMATION
AND FORMER CUSTOMERS
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.  We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

General Web Site
Naugatuck Valley Savings and Loan also safeguards your online transactions.  Whenever you browse our Web site, we do not collect any information that identifies you personally.

Use of Collected Information
Visitors to our website remain anonymous. We do not send or receive "cookies" when our site is visited. (A "cookie" is used to collect information about those who visit a specific site.) We do not obtain any information that identifies you personally unless you choose to provide such information to us. Information collected is for the sole purpose of tracking activity on our web site.

We do collect general information about your visit, such as when you accessed our site, which pages you accessed in our website, and what Internet provider you used when you accessed our site. Also tracked is information regarding how many people have visited our site, areas the requests are transmitted from, and what you typed into a search engine to find our site.

We will not disclose information to third parties about your account unless it is:

1. In order to comply with government agencies or court orders; or
2. If you give us written permission.

All requests are strictly fulfilled in accordance with the requirements of federal and state law.

Information That We Disclose
The Bank will never sell or give any personal information received to any other organization. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

We do not disclose or sell to any third-party information that we collect or that is provided to us from visitors to this website. We do not send advertisements or email to someone who just visited our website.

Electronic Mail Usage
Our Web site, eValley Online Banking and eValley Business Banking allow you to communicate with us by electronic mail by using a link called “Contact Us”.  “Contact Us” is a convenient method of exchanging non-confidential with the bank.  It is not a secure connection and should not include any private or confidential information, such as social security numbers, unlisted telephone numbers, bank account numbers, personal income information, etc.

eValley Online Banking and eValley Business Banking  Security
Protecting the confidentiality and security of your personal and account information is top priority at Naugatuck Valley Savings & Loan.  Your cooperation is vital to maximize the effectiveness of our security measures. 

Layered authentication security measures are in place to protect the user’s information through separated access ID’s and passwords, and through validation images and questions.  The user also can register their computer - the computers unique set of characteristics will be stored by internet banking and used as additional validation criteria during subsequent logins.  Also as part of this layered security, the user uses an authentication pass  phrase - another tool to ensure customers are accessing a valid internet banking website.
Please use the following guidelines to protect the privacy of your information when using eValley Online Banking and eValley Business Banking .

  • Usage of an internet browser that supports Secure Socket Layers (SSL) is required.  SSL encrypts your data to prevent unauthorized persons from gaining access to it.
  • Do not share your password or Personal Identification Number (PIN with anyone you do not want to have access to your accounts.  Anyone who has your password or PIN has the same access to your accounts that you have.  If you suspect that an unauthorized person has obtained your password or PIN, please contact us immediately at (203) 720-5000.
  • Do not respond to e-mail requests for sensitive personal or financial information.  Naugatuck Valley Savings and Loan will never request this information via e-mail or through our website.


Employee Access
Only authorized employees are allowed to access your information. Employees use information only for official bank business. State and federal laws and regulations, in addition, restrict the disclosure of your information by employees. Employees can be disciplined if they fail to follow our privacy policies.

Use of Cookies on eValley Online Banking and eValley Business Banking
We respect your privacy, so please be advised that Naugatuck Valley Savings and Loan uses cookies on our secured "eValley Online Bankings and eValley Business Banking " site in order to tell our system that you've logged in as a valid user. Without the cookie data, you would have to login each time you wanted to move to another page. When you click on the Exit button to leave the secured site, the cookie data is then flushed from your system.

External Third Party Links
Our Web Site may have numerous links to other third party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. Links to non-Naugatuck Valley Savings and Loan websites are provided solely as pointers to information on topics that may be useful to users of the Naugatuck Valley Savings and Loan websites, and Naugatuck Valley Savings and Loan has no control over the content of such non-Naugatuck Valley Savings and Loan websites. If you choose to link to a website not controlled by Naugatuck Valley Savings and Loan, Naugatuck Valley Savings and Loan makes no warranties, either expressed or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Naugatuck Valley Savings and Loan warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Naugatuck Valley Savings and Loan does not guarantee the authenticity of documents on the Internet. Links to non-Naugatuck Valley Savings and Loan sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

Customers are advised to check the privacy statements of any third party web site for information about their use of cookies and personal information they may collect.  You will be subject to their policies when you visit their sites.

Privacy/Security Contact Person
If you have questions about Naugatuck Valley Savings and Loan's policies concerning privacy and/or security, please contact Naugatuck Valley Savings and Loan by calling our online privacy coordinator Ray Ott at (203) 720-5000.

Customer Contact
If you are concerned that we are not complying with the policies and procedures outlined in this online privacy statement or that the information that we have collected online is inaccurate, you may notify us about concerns by either contacting our online privacy coordinator, Ray Ott, at (203) 720-5000, or you may send an e-mail to us at mail@nvsl.com.

Disclosure Required By Law or Regulation
At times, we may be required by federal and state laws and regulations to disclose certain information. We may be required, for example, to disclose information to federal and state regulators, or other governmental agencies. State and/or federal law often requires that we disclose certain information in connection with legal proceedings. We will disclose information when state and/or federal law (or regulation) requires disclosure.


 

 
 
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