Privacy Policy

Digital Privacy Statement

This Digital Privacy Statement (“Digital Privacy”) applies to the information that we collect when you visit the website of Androscoggin Bank or use our online banking services and other digital services that we own or control, including our mobile banking application, Androscoggin Bank Mobile (together, the “Digital Services”).

If you have a financial product or service with us, we will use and share any information that we collect from or about you through our Digital Services in accordance with the Privacy Notice of Androscoggin Bank. For your convenience, we offer you the ability to access some of our products and services through a mobile application and mobile-optimized websites. When you interact with us through our Mobile application, we may collect personal information directly or indirectly from or about you.

Androscoggin Bank may collect and store information about your visit to our website. To collect this information, our web server may write a “cookie”. “Cookies” are used for many purposes: to enhance customer convenience (for example, to store passwords and log on IDs so the customer does not have to enter this information every time) and to track customer activity on the website for informational purposes. We collect anonymous aggregated site-visitation statistics to measure the effectiveness of our advertisements and web site. We also utilize cookies for advertising purposes.

The type of information we may collect using cookies includes:
•    The traffic on our web site and average time spent on each page.
•    The number of first time visitors and return customers to our website.
•    The type of Internet browsers, such as Internet Explorer or Firefox that our visitors use.
•    The IP Address (A numeric address given to computers connected to the Internet).

If you are uncomfortable with our use of cookies, you may set your browser to refuse cookies or to alert you when and by whom cookies are being written to your hard drive. Instructions on how to do this are included in your Internet Browser software. If you do allow cookies, you should understand that Androscoggin Bank will at all times treat the information supplied with the same security and privacy protection as any other customer information we receive.

Visitors may elect to provide us with personal information via email or form submission. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations. Note, however, that email is not a secure method of transmission.

Privacy Notice Applicability for Financial Services

Categories of Personal Information That We May Collect and Share When You Use Our Digital Services

Personal Information:

• Full name
• Address
• Phone number
• Email address
• Federal or state issued identification numbers, including social security numbers
• Driver’s license
• Passport number
• User names
• Characteristics of protected classes or groups under state or federal law, such as sex or marital status
• Other identifying information

Financial information:

• Account numbers
• Balance
• Transaction history
• Payment card details, including credit and debit card numbers

Usage and Device Information:

• Biometric information, such as face recognition, fingerprints and voiceprints
• IP address
• Software on your device that may be necessary to use our online services
• Device configuration information, such as device type, browser type and version, operating system type and version, display/screen settings and language preferences
• Mobile contact list — used for example to personalize person-to-person payments: before granting access you will be prompted to give permission
• Camera — used for example with mobile deposit: before granting access you will be prompted to give permission
• Images — access to stored images on a device for mobile deposit
• Device location information to locate nearby branches or ATMs
• Website analytics information
• Search engine referral information
• Internet or online information, such as browsing history and/or information regarding interaction with our websites, applications or advertisements
• Audio, electronic, visual or similar information
• Access to external storage
• Professional- or employment-related information
• Education information

How We May Use This Information

• To detect, investigate or prevent activities that may be illegal, violate our policies, cause harm to our operations or compromise our security.
• To optimize, improve or enhance our products, services and operations.
• To respond to your inquiries or fulfill your requests, including to provide individuals with, or evaluate their eligibility for, products and services that they have requested from us.
• To communicate with individuals about their accounts or transactions that they have made with us.
• To provide important information regarding our products or services, including changes to our policies or other terms, conditions or agreements and our Digital Services.
• To allow participation in surveys, sweepstakes, contests and other promotions.
• To comply with legal and regulatory requirements, required disclosures and choices and controls that may be available.
• To send offers and promotions for our products and services or for other products and services that may be of interest.
• To personalize online or mobile content and user experiences.
• To facilitate push notifications.
• To take an image of your check for mobile deposit.
• To verify the identity or location of an individual for security, fraud prevention and other risk control purposes.
• To allow access to the device’s microphone for chat purposes.
• To allow access to files/media on the device for secure message attachment.
• To allow access to information about the user’s device for secure message attachment.
• To allow access to stored images on the device for mobile deposit.
• To provide advertising based on activity on our Digital Services.
• To perform operational functions in connection with our business, including data analysis, audits, developing and improving products and services, enhancing the Digital Services, identifying usage trends and determining the effectiveness of promotional campaigns.
• For any other purpose disclosed by us to you at the time you provide us information.

How We Share This Information

• To our subsidiaries and affiliates
• To contractors, service providers and other third parties we use to support our business.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of any or all of Androscoggin Bank’s assets, in which information held by Androscoggin Bank about our Online Service users is among the assets transferred.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your consent.
• To comply with any court order, law or legal process, such as, responding to any government or regulatory request.
• To enforce or apply our terms of use with respect to our Digital Services and other agreements, including for billing and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property or safety of Androscoggin Bank, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
• We may disclose aggregated information about you, and information that does not identify any individual, without restriction.

Please note that our sharing of information may be subject to additional rights available under applicable federal or state law.

Mobile Banking

What does Androscoggin Bank do with your personal information from the mobile application?

The mobile application requests access to information stored on your devices, such as location, camera, contacts, or other features you are enrolled in, to enrich and simplify your user experience, improve our services, and provide additional security to protect your account. It is important for you to understand that:

• Before granting access to this information, you will be prompted to give the application that permission.
• If you do not wish to grant that permission, you may decline.

If you later change your mind, those permissions can be updated in your device’s settings.

Some examples of information your app will request access to are:

• Location – to facilitate push notifications.
• Contacts – user experience for person to person payments.
• Camera – to facilitate capturing a check image for mobile deposit.

We use security measures that comply with federal law to protect your personal information from unauthorized access and use. These measures include computer safeguards and secured files and buildings.

The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored data and if that information may be deleted.

Mobile Banking App Notifications

Our Mobile Banking App collects location data to enable push notifications to offer our products and services to the consumer, even when the app is closed or not in use. A pop-up screen will notify the consumer requesting approval to receive push notifications for this new mobile feature. The consumer can opt out of push notifications during this time or turn off the locations part of the app within their phone settings. In-app ads and banners within the mobile banking app will not be affected. The consumer will still receive these ads, and the opt-out feature for this advertisement is unavailable.

Interest-Based Online Advertising

This section of our Privacy Statement provides details about interest-based online advertising (also called “targeted advertising”, “re-marketing”, or “behavioral advertising”) and your choices with respect to this type of advertising.

We use third-party audience data such as age, gender and interests to better understand the behavior of our customers and work with companies that collect information about your online activities to provide advertising targeted to suit your interests and preferences. For example, you may see certain ads on this website or other websites because we contract with Google and other similar companies to target our ads based on information we or they have collected, including information that was collected through automated means. These companies also use automated technologies to collect information when you click on our ads, which helps track and manage the effectiveness of our marketing efforts.

You may opt out of the automated collection of information by third-party ad networks for the purpose of delivering advertisements tailored to your interests. Because those opt-out and preference control pages are specific to the individual browser used to visit it, and because that page is not operated by Androscoggin Bank, we are unable to perform the opt-outs on your behalf.

What does Androscoggin 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
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 Androscoggin Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Androscoggin 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	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For our nonaffiliates to market to you	No	We Don't Share

To limit our sharing	- Call 800-966-9172 – our menu will prompt you through your choice(s) or - Visit us online: androscogginbank.com Please note: 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 800-966-9172 or go to androscogginbank.com

Who We Are

Who is providing this notice? Androscoggin Bank

What We Do

How does Androscoggin 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 periodically assess new technology to protect your personal information.
How does Androscoggin 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. - Portland Trust Co, LLC, Androscoggin Insurance Agency
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. - Androscoggin 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. - Our joint marketing partners may include our credit card provider

 

Last updated: April 25, 2024.