Privacy, Security, and Terms & Conditions
- Terms & Conditions
- Fraud Alerts and Identity Theft Information
- Debit Card Security
- Corporate Account Takeover (CATO)
- Patriot Act
- Credit Reporting Agencies
- Fraud Prevention Tips
Rev. Date 01/2017
What Does Greenfield Savings 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:
|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 Greenfield Savings Bank (GSB) chooses to share, and whether you can limit this sharing.|
|Reasons We Can Share Your Personal Information||Does Greenfield Savings 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
| For our marketing purposes –
to offer our products and services to you
|For joint marketing with other financial companies||Yes||No|
| 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 nonaffiliates to market to you||Yes||Yes|
|To limit our sharing||
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
|Questions?||Call 413-774-3191 or go to www.greenfieldsavings.com|
Who We Are
|Who is providing this notice?||Greenfield Savings Bank|
|What We Do|
|How does Greenfield Savings Bank protect my 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 contractual, physical, electronic, and procedural safeguards and we limit access to employees having a need to know.
|How does Greenfield Savings Bank collect my information?||We collect your personal information, for example, when you
|Why can’t I limit all sharing?||Federal law gives you the right to limit only
|What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account — unless you tell us otherwise
Companies related by common ownership or control. They can be financial and non-financial companies.
Companies not related by common ownership or control. They can be financial and non-financial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|Other Important Information|
|For Massachusetts customers, we will not share information from deposits or share relationships with non-affiliates either for them to market to you or for joint marketing without your permission.|
If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below.
Mark any/all you want to limit:
|City, State, Zip||
Greenfield Savings Bank
Attn: Deposit Operations
PO Box 1537
Greenfield, MA 01302-1537
Stay safe, friends.
From providing identity theft protection tips to alerting our community about the latest scams hitting the Valley, we’ll give you the tools and information you need to keep your money and your identity safe.
Terms & Conditions
This website has been established by the Bank for the sole purpose of conveying information about the Bank's products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the Bank's agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the Bank's agreements and disclosures, the agreements and disclosures will control.
From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.
Copyrights and Other Intellectual Property. Except where otherwise expressly noted, all contents of this Website, including the graphics, icons and overall appearance of the Website, are the sole and exclusive property of Greenfield Savings Bank, Greenfield, Massachusetts and/or its subsidiaries or affiliates. The posting of the contents of this Website neither constitutes a waiver of any of Greenfield Savings Bank's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, servicemarks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the Website user or to any third party. Contents of this Website are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Website.
The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.
This agreement and the use of this website are governed by the laws of the State of Massachusetts.
IMPOSTER “PHISHING” SCAM ALERT
Scammers want to steal your Passwords, Account Numbers, Debit Card Numbers and/or Social Security Numbers. Posing as Greenfield Savings Bank representatives, IMPOSTER SCAMMERS may use your email, cell phone number and information they find on social media, to convince you that they are from the Bank in an attempt to get you to provide your bank account and debit card numbers, so they can to take your money through online purchase and other means.
IMPOSTER SCAMMERS use sophisticated methods to try and get the information they need to electronically rob you.
Common communication channels used in IMPOSTER SCAMS are emails or text messages, which may also include a phone number for you to call them back on. DO NOT CALL THEM BACK.
Phishing emails and text messages are specifically constructed to convince you they are coming from the Bank in order to get you to click on a link or open an attachment. DO NOT CLICK ON ANY LINKS OR OPEN AN ATTACHMENT when you get an unexpected email or text message that looks like it is from Greenfield Savings Bank.
Protect yourself by following these three steps:
- The Bank will never ask you for your personal information in an email or text. When you call into our Bank, we will ask you to answer security questions and we will verify your information we have on file, including a security keyword you have established with us.
- Scammers want you to think that they are the Bank reaching out to you.
- DO NOT CLICK ON LINKS IN UNEXPECTED TEXT MESSAGES OR EMAILS. DELETE THE MESSAGE, THEN BLOCK THE SENDER.
2. BE AWARE AND ALERT
- If we need to reach you, we will call you at your phone number on file and ask you the security questions and use the keyword that you provided to identify you. Keeping this security information updated in our system is key to helping protect your account.
- Scammers often use some information about you through social media to sound authentic. They are ‘Phishing’ for the rest of your personal information to steal from you. Stay alert for these fraud attempts.
Examples or “RED FLAGS” OF AN IMPOSTER “PHISHING” SCAM ATTEMPTS:Here are some Red Flags that should alert you to a possible fraud when you receive an unsolicited or unexpected email or text or phone call that claims to be from Greenfield Savings Bank:
- You receive a phone call: “Hi I am from Greenfield Savings Bank, we have detected Fraud on your card, can you verify your Debit Card number please? HANG UP, WRITE DOWN THE PHONE NUMBER, THEN DELETE THE PHONE NUMBER, CALL US DIRECTLY TO REPORT IT.
- You receive an email or text: “The bank has detected a problem with your account or a payment, please click on this link to update your information.” DO NOT CLICK ON THE LINK, DELETE THE MESSAGE, THEN BLOCK THE SENDER.
- You receive an email or text: “A message from Greenfield Savings Bank your Bill Payment was not Successful.” Click here to make your payment.” The link may contain a virus or malware in it to take over your phone or computer. DO NOT CLICK ON THE LINK, DELETE THE MESSAGE, THEN BLOCK THE SENDER!
- You receive an email or text: “Due to Detected Fraud, the Bank needs you to confirm some personal or financial information” by clicking on a link or calling a phone number. The link may contain a virus or malware in it to take over your phone or computer. DO NOT CLICK ON THE LINK, DELETE THE MESSAGE, THEN BLOCK THE SENDER.
Never call the number in any suspicious text or email. Call the bank directly at our official numbers: 888-324-3191-Toll Free and 413-774-3191. You can verify these numbers on the back of your GSB Debit Card or on our website at greenfieldsavings.com.
To best protect you and your accounts from fraud, we have detection methods we use daily to identify and avert fraudulent activity. However, if you see a transaction, you do not recognize, it is very important to alert us immediately so that we can assist you in stopping any unauthorized transactions. Call us anytime you suspect that you have received a fraud attempt.
Cyber-scam Alert from the FBI
The FBI has issued an alert about a new and very sophisticated Cyber-scam targeting bank customer’s using digital payment apps.
The scam starts with text message (which looks like it is from the targets bank) reporting a possible bank fraud and asking you to reply YES or NO to verify a recent instant payment. If the target replies NO, then a message will tell them that they will receive a call from a fraud specialist.
The victim will then receive a call that appears to be from the victim’s Banks toll-free number and the scammer will then walk the victim though a process to reverse the “fraudulent charge.” In actuality, the scammer has just fooled the victim in transferring money to the scammer.
What you can do to protect yourself from this type of scam:
1. Always be wary of unsolicited request for account information.
2. If you receive a text or email reporting a possible fraud, contact the financial institution directly.
3. A financial institution will never ask you to transfer funds between accounts to prevent fraud.
4. Be skeptical of callers that provide your personal information, including social security numbers as proof of their legitimacy.
Please click this link for the full text of the FBI’s Fraud Alert. https://www.ic3.gov/Media/Y2022/PSA220414
Fraud Alert: Online Banking Scam
The Massachusetts Banker’s Association (MBA) has issued a Fraud Alert about new fraud schemes utilizing sophisticated “vishing” tactics to compromise consumer accounts.
"Vishing" is defined as the fraudulent practice of making phone calls or leaving voice messages purporting to be from reputable companies to induce individuals to reveal personal information, such as bank details and credit card numbers.
According to the MBA, bank customers are being targeted with spam phone calls with their bank’s name and/or main phone number, typically in the evening (after office hours). The fraudsters are then using social engineering tactics to ease the customer’s concerns by stating that they are calling “to help mitigate potential fraud” and request that the customer provide online banking credentials including the username, password and multi-factor authentication codes received by text. Unfortunately, fraudsters can sound legitimate and sincere.
Once the fraudster gains entry to a customer’s online banking, they can siphon out cash by initiating peer-to-peer (P2P) payments (most typically using Zelle), intra-bank transfers, EFTs and even – in some cases – wire transfers. Fraudsters sometimes initiate debit card transactions first.
Most fraudulent card transactions have originated from Texas with purchases at retailers such as Kroger and Walgreens.
Fraudsters know that real-time fraud prevention systems will initiate automated phone calls to the bank consumers to verify these flagged transactions and they preempt the automated calls by first calling the bank customers themselves and advising them to respond favorably to the subsequent automated phone calls by marking them as “no fraud”.
No one from Greenfield Savings Bank will ever ask you for your full account number, your debit card number, your log in credentials (username or password), or your social security number. NEVER give this information to a caller, even if they proport to be from our Bank. Spammers can make their caller ID phone number look like the Bank’s.
What you should do?
- If you have received any such calls or solicitations, hang up and contact Greenfield Savings Bank. If you receive a voice mail of this kind, do not return the call. Call the Greenfield Savings Bank directly at:
- (888) 324-3191
- We recommend that you set up ALERTs on your GSB account so you can be on the look out for any unusual attempts on the authorized transactions to fraud your account.
Avoid Home Improvement Scams
- Make sure they're registered or licensed with the state by calling 888-283-3757 or checking at www.mass.gov/consumer
- Make sure the payment schedule is broken into 3 payments: 1/3rd at the start of the project, 1/3rd in the middle and 1/3rd when the work is complete;
- Make sure the contractor takes out the building permit in their name;
- Make sure you check the contractor's references;
- Make sure you have a written contract;
- Make sure you have a copy of the contractor's insurance;
- Make sure you check to be sure there are no complaints against the contractor.
U.S. Marshals warn the public of spoofing, by scammersThe U.S. Marshals and the FBI are alerting the public of several nationwide imposter scams involving individuals claiming to be U.S. marshals, court officers, or other law enforcement officials. They are urging people to report the calls their Local FBI office and file a consumer complaint with the Federal Trade Commission, which has the ability to detect patterns of fraud from the information collected and share that data with law enforcement.
During these calls, scammers attempt to collect a fine in lieu of arrest due to a claim of identity theft, failing to report for jury duty, or other offenses. They then tell victims they can avoid arrest by withdrawing cash and transferring it to the government, purchasing a prepaid debit card such as a Green Dot card or gift card and read the card number over the phone to satisfy the fine, or by depositing cash into bitcoin ATMs.
Scammers use many tactics to sound and appear credible. They sometimes provide information like badge numbers, names of actual law enforcement officials and federal judges, and courthouse addresses. They may also spoof their phone numbers to appear on caller IDs as if they are calling from a government agency or the court.
If you believe you were a victim of such a scam, you are encouraged to report the incident to your local FBI office and to the FTC.
- U.S. MARSHALS WILL NEVER ask for credit/debit card/gift card numbers, wire transfers, or bank routing numbers, or to make bitcoin deposits for any purpose.
- NEVER divulge personal or financial information to unknown callers.
- Report scam phone calls to your local FBI office and to the FTC.
- You can remain anonymous when you report.
- Authenticate the call by calling the clerk of the court’s office of the U.S. District Court in your area and verify the court order given by the caller.
Identity Theft Information
Money wiring scams come in many variations. Scammers like to get paid using wire transfer services because it's fast, the money is often available within minutes, not leaving the consumer time to cancel the transaction once they realize it is a scam. The money is usually picked up in cash and in person making it hard to recover.
- Never wire money to claim a prize
- Never wire money to someone you don't know
Watch out for these Money Wiring Scams:
- Lottery & sweepstakes scams
- Overpayment scams
- Relationship scams
- Mystery shopper scams
- Online purchase scams
- Apartment rental scams
- Advance fee loan scams
- Family emergency or friend-in-need scams
- IRS scams
Three Ways to Avoid COVID-19 Vaccine Scams
- You can't pay to put your name on a list to get the vaccine. That's a scam.
- You can't pay to get early access to the vaccine. That's a scam.
- Nobody legit will call about the vaccine and ask for your Social Security, bank account, or credit card number. That's a scam.
Learn more at:
What You Need to Know About Internet “Phishing”
These fraudulent emails may appear to come from a Financial Institution and may attempt to trick you into disclosing personal information, such as account numbers, passwords or PIN's, social security numbers, and other personally identifiable information. These emails, and the web links that sometimes accompany them, are often very realistic and convincing.
Important security safeguards and simple precautions to remember:
- Never give out your account number, ATM/Debit card number, PIN or other personally identifiable information if requested via an unsolicited email or phone call.
- Never reveal your PIN to anyone, including Greenfield Savings Bank employees.
- Be sure to log out after your online banking session, and close your browser.
- When discarding banking receipts and credit card statements, it is a good idea to shred these documents, as they contain confidential information.
Stop. Resist the urge to immediately respond to a suspicious e-mail—and to provide the information requested—despite urgent or exaggerated claims.
Look. Read the text of the e-mail several times and ask yourself why the information requested would really be needed.
Call. Telephone the organization identified, using a number that you know to be legitimate.
If You’ve Been “Phished”…
- Immediately contact your financial institution.
- Contact the three major credit bureaus and request that a fraud alert be placed on your credit report. The credit bureaus and phone numbers are:
- File a complaint with the Federal Trade Commission by clicking here or by calling 1-877-382-4357.
Additional information is available at many sites, including those listed below:
Keeping Your Debit Card Secure
Chip Card Security
Automated Fraud Detection Calls and Text Messages
- A sudden change in locale (such as when a your GSB Debit Card is used unexpectedly out-of-state or overseas)
- A sudden string of costly purchases
- Other transaction patterns that are associated with fraudulent activity
- Our automated message will ask you to verify recent transaction activity on your card
- You’ll be able to respond via your touch tone keypad or return text message
- You’ll also be provided a toll-free number to call should you have additional questions
Additional tips to help protect your card include:
- NEVER give out your PIN. It is private and should not be disclosed to anyone.
- Unless absolutely required for a legitimate business purpose, avoid giving out your:
- Address and ZIP code
- Phone number
- Date of birth
- Social Security number
- Card or account number
- Card expiration date
- In stores and at ATMs, always cover your card and PIN, and watch for:
- Cell phone cameras, mirrors, or other tools used to view cards and PINs
- People watching your transactions
- Cashiers taking your card out of sight; take it to the register yourself
- Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM
- Online, you should never respond to unsolicited emails that:
- Ask you to verify your card or account number; such emails are not sent by legitimate businesses
- Link to websites; such sites can look legitimate but may collect data or put spyware on your computer
- Securely destroy documents that may contain personal, ID, and account information such as purchase/ATM receipts or utility bills.
Corporate Account Takeover (CATO)
What is Corporate Account Takeover?
Security Best Practices
When it comes to protecting sensitive financial information from hackers, there’s no substitute for good old-fashioned knowledge. As a business owner, you should have a level of understanding about how to
secure your computers that allows you to take proactive steps and avoid, or at least minimize most threats. Experts advise following best practices, including using a dedicated computer, keeping patches and anti-virus up to date, installing a host-based firewall, verifying all transactions before approving, and reviewing bank transactions daily. These best practices should be the minimum security baseline for every company’s online banking transactions.
Steps for Better Security:
- Use a dedicated computer for financial transactional activity. Do not use this computer for general web browsing and email.
- Apply operating system and application updates regularly (patches).
- Ensure that anti-virus/spyware software is installed, functional, and is updated with the most current version.
- Have host-based firewall software installed on computers.
- Use the latest version of internet browsers, such as Explorer, Firefox or Google Chrome and keep patch up to date.
- Activate a “pop-up” blocker on internet browsers to prevent intrusions.
- Turn off your computer when not in use.
- Do not batch approve transactions; be sure to review and approve each one individually.
- Review your credit report/banking transactions regularly.
- Contact your information technology provider to determine the best way to safeguard the security of your computers and networks.
USA Patriot Act
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
Credit Reporting Agencies
Fraud Prevention Tips: Part I
Verify the Authenticity of Any Solicitation
- If you are giving to charities or non-profit organizations, ensure that the organization is legitimate. For National charities, you can check the National 501(c)(3) registry to make sure they are a registered non-profit organization. If you choose to give locally, make sure the charity is real. Look for reviews online or ask questions about them.
- It’s ok to hang up. Have you had calls or emails seemingly from a bank, or even the IRS, asking for personal information? These are attempts to take your money, so just hang up! Don’t worry about being perceived as rude, it’s more important to protect your information.
- Don’t give your account information to anyone! Greenfield Savings Bank will not call and ask for your account number, your PIN, or other personal information. Remember, fraud is not your fault UNLESS you give your information away. Call your bank immediately if you believe this has happened.
- The IRS will never call or email. If monies are owed, the IRS will always send a certified letter. They will never call or solicit payment by email.
- Know who is really calling. If a caller is requesting personal or financial information and claims to be a representative of your bank or another business, do your due diligence before sharing any information. Hang up and call your bank back using a published number from a public directory, official company website, or a business card. This serves as confirmation that the request is from a legitimate caller, and will also allow you to report the incident if it turns out to be attempted fraud.
- Be wary of electronic solicitations. If you receive an email asking you to reply with personal information, hit DELETE immediately, and then permanently delete the messages in your trash can or deleted emails folder. Clicking any links in the message could be an attempt to place malicious software on your device and get your personal information.
Fraud Prevention Tips: Part II
Protect Your Online Activities
- Guard against viruses and malware. Make sure you have updated virus protection on your computers, laptops, tablets, and smart phones (remember, phones are computers too).
- Use social media carefully.
- Customize your Social Media settings to be as private as possible.
- Only “Friend” or “Like” those you actually know.
- Post vacation pictures ONLY when you return home, and ask traveling companions to do the same.
- Watch who is tagging you, and who you are tagging. If you tag or @mention a friend in a status update, for example, anyone who sees that update can click on your friend’s name and view that person’s profile too.
Fraud Prevention Tips: Part III
Contest Fraud: Legitimate Winnings Need No Deposit
- The method of delivery does not mean your “winnings” are legitimate. No matter how it’s received, whether by phone, email, Fed Ex, Priority Mail, certified mail, etc., any request that asks you for money upfront is a scam.
- Fraudsters look for payment methods that are difficult to trace or refund. Be wary of requests for monies to be sent via wire, Western Union® , MoneyGram® or by buying gift cards in order to claim lottery winnings, to gain a prize or to show “good faith” that a larger sum of money will be sent to you at a later date.
- You cannot win if you did not enter. No matter how good the fraudster’s cover story is, you cannot win a foreign lottery if you are not a resident of that country, nor can you win any contest or lottery that you did not enter. If you can’t recall entering, it’s likely a scam.
- Err on the side of caution when depositing cashier’s checks or money orders. If you get a cashier’s check from someone you don’t know and they tell you to deposit the check and send money back, don’t be fooled!
- Ask your bank to verify the funds with the originating bank before making the deposit.
- Request a 5 day or longer hold on that check to be sure it has cleared.
- Avoid spending the funds even if the bank makes the check available to you.
Fraud Prevention Tips: Part IV
Use Caution While Surfing the Web
- Hot Spots and unsecured Wi-Fi are easily penetrable by hackers, just sitting and waiting for someone to go shopping.
- Everything you do on an unsecured network can be watched by a hacker. This includes seeing your credit or debit card information, knowing what items you purchased, and any login credentials you used including user name and password. This makes it easy for hackers to change your login credentials, do their own shopping (with your credit or debit card), or even change the delivery address of the item you just purchased.
- Open a dedicated account if you use a debit card for online purchases. Then, transfer only the funds necessary to cover your online purchases. For extra security, make sure this dedicated account is not tied to any other account and does not allow overdraft services.
Fraud Prevention Tips: Part V
- Have an extra set of eyes on your property. If you go away no matter how short the trip, coordinate with family members or trusted friends to check on things while you are gone.
- Avoid visible signs that you’re away. Make sure mail, newspapers and delivered packages don’t pile up. Make use of timers for lights to be turned on and off in your home at different times. Leave a radio or streaming audio device on while you are away, set to a station with a 24 hour talk show.
- Save your social posts until you get home! It’s natural to want to share your fun, but post vacation pictures ONLY when you return home, and ask traveling companions to do the same.
- Avoid electronic pickpockets. Protect your debit and credit cards, passports, driver’s license, and more in RFID-blocking wallets or pouches.
- Get real-time balances for your accounts.
- Manage your money.
- View your transactions and statements.
- Make transfers.
- Pay your bills and manage payees.
- Deposit a check.
- Receive alerts.
- Manage cards.
(a) Personal Information You Provide to Us
- We may collect personal information from you, such as your first and last name, address, email, telephone number, and social security number when you create an account.
- We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
- If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.
(b) Personal Information Collected from Third Parties - We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
(c) Personal Information Collected Via Technology - We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as:
- device data, such as your computer or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (example: phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (example: Wi-Fi, LTE, 3G), and general location information such as city, state, or geographic area.
- Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
- Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
- Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
- Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
- Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
(a) General Use-In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:
- Facilitate the creation of, and secure and maintain your account;
- Identify you as a legitimate user in our system;
- Provide improved administration of the Services;
- Provide the Services you request;
- Improve the quality of experience when you interact with the Services;
- Send you administrative email notifications, such as security or support and maintenance advisories; and
- Send surveys, offers, and other promotional materials related to the Services.
(b) Compliance and protection - We may use your personal information to:
- Comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
- Protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
- Audit our internal processes for compliance with legal and contractual requirements and internal policies;
- Enforce the terms and conditions that govern the Service; and
- Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.
(c) Creation of Non-Identifiable Data - The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties at our discretion.
We disclose your personal information collected through your use of the Services as described below.
(c) Authorities and Others - Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.
You have several choices regarding use of information on the Services.
(a) How We Respond to Do Not Track Signals - Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not act in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
(b) Access, Update, or Correct Your Information - You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.
(c) Opting Out of Email or SMS Communications - If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the “unsubscribe” link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under “Contact Us” below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
(d) Opting Out of Location Tracking - If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.
We implement reasonable administrative, technical, and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification, and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.
The Services are not directed towards individuals under the age of 16, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 16. If a child under 16 submits personal information to us through the App and we learn that the personal information is the information of a child under 16, we will attempt to delete the information as soon as possible.
or by mail at:
400 Main Street
P.O. Box 1537
Greenfield, MA 01302