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Harford Bank's Customer Privacy Statement

Our Privacy Commitment to You. We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers’ information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information, as well as personal information of all consumers who visit our institution and website.

Confidentiality and Security of 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 nonpublic personal information. We also annually educate and train our employees of the importance of confidentiality and customer privacy.

Nonpublic Personal Information We Collect. We collect, retain and use nonpublic personal information only when the collection of such information is permitted by law, necessary to administer your banking business, or related to providing you with better Harford Bank products and services. We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income.
  • Information about your transactions with us, our affiliates, or other parties, such as your account balance and payment history.
  • Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

Nonpublic Personal Information We Disclose. We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to other nonaffiliated third parties as permitted by law. This means we do not sell or share your nonpublic personal information with third party marketers or outside parties for their independent use or to offer their products and services. We will disclose your nonpublic personal information to nonaffiliated third parties in the following circumstances:

  • To complete certain transactions or account changes that you initiated or directed. For example, utilizing our ATM network or internet banking services.
  • When we contract with non-affiliated companies that assist us in providing you with quality products and services. For example, we utilize a data processing service provider to store and manage our online database, a check printing company for customer check services and may occasionally utilize other companies with whom we have joint marketing agreements to facilitate the delivery of our products and services. In all such cases, we provide the third party with only the information necessary to perform its assigned responsibilities and, we require these third parties to treat your nonpublic personal information with the same level of confidentiality and security that we do.
  • If you direct us to do so, if we are required by law to do so, or in other legally limited circumstances (e.g. to protect against fraud). We may also exchange information with reputable consumer reporting agencies and credit bureaus, provided it is legally required or permitted.

Notify Us of Inaccurate Information. We have always strived to maintain accurate information about you. We have established procedures to ensure that your information is accurate, current and complete in accordance with reasonable commercial standards. Please notify us if you believe that our records contain inaccurate, incomplete, or outdated information about you or your account(s), or if we reported any inaccurate information to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: Harford Bank, Loan and/or Deposit Operations Department, 8 W. Bel Air Avenue, Aberdeen, MD 21001. We will respond to requests to correct any erroneous information as quickly as possible.

Changes to the Policy. As required by Federal law, we will notify you of our privacy policy annually. We reserve the right to modify this policy at any time. If changes do occur, we will notify you promptly.