Arrow Bank (Formerly Saratoga National Bank) is committed to protecting your privacy and developing technology
that gives you the most powerful and safe online experience. This Statement of Privacy
applies to the Arrow Bank (Formerly Saratoga National Bank) site and governs data collection and usage.
By using the Arrow Bank (Formerly Saratoga National Bank) site, you consent to the data practices described
in this statement.
Collection of your Personal Information
Arrow Bank (Formerly Saratoga National Bank) collects personally identifiable information, such as your email
address, name, home or work address or telephone number. Arrow Bank (Formerly Saratoga National Bank) also
collects anonymous demographic information, which is not unique to you, such as
your ZIP code, age, gender, preferences, interests and favorites.
There is also information about your computer hardware and software that is automatically
collected by Arrow Bank (Formerly Saratoga National Bank). This information can include: your IP address,
browser type, domain names, access times and referring website addresses. This
information is used by Arrow Bank (Formerly Saratoga National Bank) for the operation of the service, to
maintain quality of the service, and to provide general statistics regarding use
of the Arrow Bank (Formerly Saratoga National Bank) site.
Please keep in mind that if you directly disclose personally identifiable information
or personally sensitive data through Arrow Bank (Formerly Saratoga National Bank) public message boards,
this information may be collected and used by others. Note: Arrow Bank (Formerly Saratoga National Bank)
does not read any of your private online communications.
Arrow Bank (Formerly Saratoga National Bank) encourages you to review the privacy statements of Web sites
you choose to link to from Arrow Bank (Formerly Saratoga National Bank) so that you can understand how those
Web sites collect, use and share your information. Arrow Bank (Formerly Saratoga National Bank) is not responsible
for the privacy statements or other content on Web sites outside of the Arrow Bank (Formerly Saratoga National Bank)
and Arrow Bank (Formerly Saratoga National Bank) family of Web sites.
Use of your Personal Information
Arrow Bank (Formerly Saratoga National Bank) collects and uses your personal information to operate the Arrow Bank (Formerly Saratoga National Bank)
Web site and deliver the services you have requested. Arrow Bank (Formerly Saratoga National Bank) also uses
your personally identifiable information to inform you of other products or services
available from Arrow Bank (Formerly Saratoga National Bank) and its affiliates. Arrow Bank (Formerly Saratoga National Bank) may also
contact you via surveys to conduct research about your opinion of current services
or of potential new services that may be offered.
Arrow Bank (Formerly Saratoga National Bank) does not sell, rent or lease its customer lists to third parties.
Arrow Bank (Formerly Saratoga National Bank) may, from time to time, contact you on behalf of external business
partners about a particular offering that may be of interest to you. In those cases,
your unique personally identifiable information (e-mail, name, address, telephone
number) is not transferred to the third party. In addition, Arrow Bank (Formerly Saratoga National Bank)
may share data with trusted partners to help us perform statistical analysis, send
you email or postal mail, provide customer support, or arrange for deliveries. All
such third parties are prohibited from using your personal information except to
provide these services to Arrow Bank (Formerly Saratoga National Bank), and they are required to maintain
the confidentiality of your information.
Arrow Bank (Formerly Saratoga National Bank) does not use or disclose sensitive personal information, such
as race, religion, or political affiliations, without your explicit consent.
Arrow Bank (Formerly Saratoga National Bank) keeps track of the Web sites and pages our customers visit within
Arrow Bank (Formerly Saratoga National Bank), in order to determine what Arrow Bank (Formerly Saratoga National Bank) services are
the most popular. This data is used to deliver customized content and advertising
within Arrow Bank (Formerly Saratoga National Bank) to customers whose behavior indicates that they are interested
in a particular subject area.
Arrow Bank (Formerly Saratoga National Bank) Web sites will disclose your personal information, without notice,
only if required to do so by law or in the good faith belief that such action is
necessary to: (a) conform to the edicts of the law or comply with legal process
served on Arrow Bank (Formerly Saratoga National Bank) or the site; (b) protect and defend the rights or
property of Arrow Bank (Formerly Saratoga National Bank); and, (c) act under exigent circumstances to protect
the personal safety of users of Arrow Bank (Formerly Saratoga National Bank), or the public.
Use of Cookies
The Arrow Bank (Formerly Saratoga National Bank) Web site use "cookies" to help you personalize your online
experience. A cookie is a text file that is placed on your hard disk by a Web page
server. Cookies cannot be used to run programs or deliver viruses to your computer.
Cookies are uniquely assigned to you, and can only be read by a web server in the
domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save
you time. The purpose of a cookie is to tell the Web server that you have returned
to a specific page. For example, if you personalize Arrow Bank (Formerly Saratoga National Bank) pages, or
register with Arrow Bank (Formerly Saratoga National Bank) site or services, a cookie helps Arrow Bank (Formerly Saratoga National Bank)
to recall your specific information on subsequent visits. This simplifies the process
of recording your personal information, such as billing addresses, shipping addresses,
and so on. When you return to the same Arrow Bank (Formerly Saratoga National Bank) Web site, the information
you previously provided can be retrieved, so you can easily use the Arrow Bank (Formerly Saratoga National Bank)
features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically
accept cookies, but you can usually modify your browser setting to decline cookies
if you prefer. If you choose to decline cookies, you may not be able to fully experience
the interactive features of the Arrow Bank (Formerly Saratoga National Bank) services or Web sites you visit.
Security of your Personal Information
Arrow Bank (Formerly Saratoga National Bank) secures your personal information from unauthorized access,
use or disclosure. Arrow Bank (Formerly Saratoga National Bank) secures the personally identifiable information
you provide on computer servers in a controlled, secure environment, protected from
unauthorized access, use or disclosure. When personal information (such as a credit
card number) is transmitted to other Web sites, it is protected through the use
of encryption, such as the Secure Socket Layer (SSL) protocol.
Changes to this Statement
Arrow Bank (Formerly Saratoga National Bank) will occasionally update this Statement of Privacy to reflect
company and customer feedback. Arrow Bank (Formerly Saratoga National Bank) encourages you to periodically
review this Statement to be informed of how Arrow Bank (Formerly Saratoga National Bank) is protecting your
information.
Contact Information
Arrow Bank (Formerly Saratoga National Bank) welcomes your comments regarding this Statement of Privacy.
If you believe that Arrow Bank (Formerly Saratoga National Bank) has not adhered to this Statement, please
contact Arrow Bank (Formerly Saratoga National Bank) at webserver@arrowbank.com.
We will use commercially reasonable efforts to promptly determine and remedy the
problem.