Kinderhook State Bank is committed to providing
the highest level of security and privacy
regarding the collection and use of our online
banking customers' personal information, as well
as that of all visitors to our web site.
Personal information may be collected through
the submission of account applications, online
banking transactions, or through the use of
online financial tools such as interactive
calculators. A detailed description of
Kinderhook State Bank's Online Banking Privacy
Policy is provided below. If you have additional
questions regarding the privacy of your personal
information, contact us.
Respect of Right to Privacy
Kinderhook State Bank respects your right to
privacy and takes every precaution to provide
you with the same level of privacy within our
virtual branch that you receive through more
traditional bank delivery channels.
Collection and Use of Personal Information
The collection of personal information online is
designed to protect access to your personal
accounts and to assist the bank in providing you
with the products and services you want and
need. All personal information collected and
stored by the bank is used for specific business
purposes-to protect and administer your personal
accounts and transactions, to comply with state
and federal banking regulations, and to help the
bank better understand your financial needs in
order to design or improve our products and
services.
Employing stringent security measures in the
collection of your personal information, all
Kinderhook State Bank online account
applications are submitted to the bank's secure
administration site through an encrypted direct
line to the bank. Once received by the bank,
only approved personnel may open and process the
application. Furthermore, auditing mechanisms
have been put into place to further protect your
information by identifying which employee(s) has
accessed and in any way modified-for example,
updated or added to-your personal information.
Maintenance of Accurate Information
It is in the best interest of both you and the
bank to maintain accurate records concerning
your personal information. For this reason,
Kinderhook State Bank allows you to update your
personal information online, at anytime, through
the submission of encrypted email requests sent
to the bank's secure administration site.
Notifications are immediately sent to approved
bank personnel alerting them to the receipt of
your request. This procedure allows Kinderhook
State Bank to update your personal information
within a timely manner.
Limited Employee Access to Personal
Information
Kinderhook State Bank limits employee access to
your personal information to only those bank
administrators with a business reason for
knowing such information. Kinderhook State Bank
also educates all employees about the importance
of confidentiality and customer privacy. In
addition, individual user names and passwords
are used by approved bank personnel to access
your personal information online, providing
audit trails to further safeguard the privacy of
your personal information.
Third-Party Disclosure Restrictions
Kinderhook State Bank follows strict privacy
procedures in regard to protecting your personal
information. In addition, the bank requires all
third parties with a business need to access
this information to adhere to similar and
equally stringent privacy policies. Personal
information may be supplied to a third party in
order to process a customer transaction; if the
customer requests it; the disclosure is required
or allowed by law (i.e. exchange of information
with reputable reporting agencies, subpoena, or
the investigation of fraudulent activity, etc.);
or for marketing purposes of which the customer
has been previously informed and has been given
the opportunity to decline.
Disclosure of Privacy Policies
Kinderhook State Bank is committed to ensuring
the privacy of its customers' personal
information. For more information regarding the
Kinderhook State Bank Online Banking Privacy
Policy, contact us.
