Business Banking
Personal Online Banking
Privacy Policy

Rev. 07/14              

FACTS
WHAT DOES BAY BANK, FSB 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:
  • Ÿ Social Security number and other identifying information
  • Ÿ employment and income
  • Ÿ account balances and payment history
  • Ÿ credit history and credit scores
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 Bay Bank, FSB chooses to share; and whether you can limit this sharing.
 
Reasons we can share your personal information
Does Bay Bank, FSB 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
Yes
No
For joint marketing with other financial companies
 
Yes
No
For our affiliates’ everyday business purposes —
information about your transactions and experiences
Yes
No
For our affiliates’ everyday business purposes —
information about your creditworthiness
No
We don’t share
For nonaffiliates to market to you
 
No
We don’t share

Questions?
Call 410.494.2580 or go to www.baybankmd.com

Who we are
Who is providing this notice?
This notice is being provided by Bay Bank, FSB and Bay Bancorp, Inc.

What we do
How does Bay Bank, FSB 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 Bay Bank, FSB collect my personal information?
We collect your personal information, for example, when you
  • Ÿ open an account or deposit money
  • Ÿ pay your bills or apply for a loan
  • Ÿ use your debit card
We also collect your personal 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
  • Ÿ sharing for affiliates’ everyday business purposes — information about your creditworthiness
  • Ÿ affiliates from using your information to market to you
  • Ÿ sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Ÿ Bay Bancorp,Inc., H Bancorp, Hovde Private Equity Advisors LLC, Hovde Acquisition I LLC, Bay Financial Services, Inc.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Ÿ Bay Bank, FSB does not share information 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.
  • Ÿ Our joint marketing partner includes a credit card company.

Other important information
 
 
 
 

 

 


 

©2011 Bay Bank, FSB. Member FDIC. www.baybankmd.com

 

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