PRIVACY POLICY

WE RESPECT YOUR PRIVACY

Privacy is fundamental to the American way of life. When you provide personal information in order to process your transaction, you fully expect your data to be used only for its intended purpose and to be kept confidential.

We respect your right to confidentiality and take every possible measure to ensure that your personal information remains personal.

In short, we work hard to earn your confidence and preserve your trust.

We value your business and hope you will remain with us for many years to come. If you ever have questions or concerns about the integrity of your account – or any other aspect of our business operations – please don’t hesitate to telephone or come in to talk to our staff. This policy serves as a standard for all Orange Bank & Trust Company employees for collection, use, retention, and security of nonpublic personal information.

FACTS ABOUT OUR PRIVACY POLICY

Facts WHAT DOES ORANGE BANK & TRUST COMPANY 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 Account Balances
  • Payment History and Checking Account Information
  • Transactions History and Account Transactions

When you are no longer our customer, we continue to share your information as described in this notice.

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 Orange Bank & Trust Company chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Orange Bank & Trust company 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 No We don’t share
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes— information about your transactions and experiences Yes Yes
For our affiliates’ everyday business purposes— information about your creditworthiness Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don’t share
To limit our sharing
  • Call 845-341-5000 — to notify us of your choice(s)
  • Visit us online: www.orangebanktrust.com/contact-us

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provided or 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 845-341-5000 or go to www.orangebanktrust.com

What we do

How does Orange Bank & Trust
company 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.
How does Orange Bank & Trust
company 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 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.

  • Our affiliates include financial companies such as Orange County
    Bancorp, Inc. and Hudson Valley Investment Advisors Inc.
Nonaffiliates Companies not related by common ownership or control. They can be
financial and nonfinancial companies.

  • Orange Bank & Trust company does not share with nonaffliates
    so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.

  • Orange Bank & Trust company doesn’t jointly market.
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Orange Bank and Trust has a heritage and tradition of community banking for over 129 years. Our local bankers are at your service for all your financial needs whether you’re running a business or a family.

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