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Privacy Notice

Notice of Your Financial Privacy Rights

What does Kinderhook Bank do with your personal information?

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.

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

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial institutions can share customers’ personal information; the reasons Kinderhook Bank chooses to share your personal information; and whether you can limit this sharing.

Reasons we can share your personal information Does Kinderhook
Bank share?
Can you limit
this sharing?
For 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 marketing purposes - to offer our products and services to you Yes Yes
For joint marketing purposes Yes No
For our affiliates’ everyday business purposes - Information about your transactions, 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 non-affiliates to market to you No We don't share.

To Limit our Sharing

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. If you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at anytime to limit sharing.

Questions?

WHO WE ARE

Kinderhook Bank Established in 1853, we provide banking, loan, and insurance services to individuals and businesses in the communities we serve.
   

WHAT WE DO

How does Kinderhook
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 restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.
How does Kinderhook 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 other companies 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 -- unless you tell us otherwise.

   

DEFINITIONS

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.
-Our affiliates include Kleeber Insurance Agency

Nonaffiliates

Companies not related by common ownership or control. They can be financial or non-financial companies.
- Kinderhook 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 include other financial companies and marketing companies.