Privacy Policy

The Harbor Bank maintains a policy of protecting your right to 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 Collection

Personal information may be collected through online banking transactions, submission of account applications, or interactive tools, such as calculators. All submissions and account information are confidential and no information will be shared with anyone, including outside marketing organizations.

Security Procedures

We maintain security standards and procedures to help prevent unauthorized access to confidential information about you.

Hit logs

Hit logs are maintained on our server to indicate when people have visited and what pages they have visited. Only summaries of this information are used and individual users are not tracked.

Privacy Disclosures

NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS

We, our, and us, when used in this notice, mean The Harbor Bank of Maryland.

This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Credit card account
  • Safe deposit box
  • Self-directed Individual Retirement Account
  • Financial, investment, or economic advisory services
  • Mortgage brokerage services

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or cotnrol, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party.”                         Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information

THE CONFIDENTIALITY, SECURITY, AND
INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES

We may disclose the following information to companies that perform marketing services on our behalf:

• Information you give us on an application or other forms, such as:
  • Name
  • Address
  • Social Security Number
  • Assets
  • Income
• Information about your transactions with us, such as:
  • Account activity
  • Types of accounts

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose information for outside marketing purposes:

• Service providers that perform marketing services for us, such as:
  • Marketing companies

Reasons For Disclosing

We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

YOUR INFORMATION AND AFFILIATES - FUTURE CHANGES

In the future, we may disclose information about you to affiliates, even though we are not doing so now. Here are the kinds of information we may disclose to our affiliates: Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as:
  • Name
  • Address
  • Account activity
  • Types of accounts

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information. Other information not taken from transactions and experience:

• Information you give us on an application or other forms, such as:
  • Assets
  • Income
• Information we receive from a credit reporting agency, such as:
  • Creditworthiness

You may opt out of the disclosure of the information listed above.

Types Of Affiliates

We may disclose information about you in the future to the following types of affiliates:

• Financial service providers, such as:
  • Mortgage bankers
  • Securities broker-dealers
  • Insurance agents

Reasons For Disclosure

We may disclose information about you in the future to our affiliates:

• to provide you with information about additional products and services.
• to evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves.

YOUR RIGHT TO BLOCK THE DISCLOSURE
OF YOUR INFORMATION

Affiliates. We are permitted to disclose information about our transactions or experiences with you to affiliates in the future. You will not have the right to opt out of the disclosure of this particular type of information. We may also disclose other information to our affiliates (that is, information beyond our transactions and experiences with you), unless you tell us to not disclose this other information.

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. Remember, though, that your opt out will not apply to information we share that is related to your actual transaction and experience with one of us, which we make available to our affiliates.

If you have obtained one or more products or services jointly, each owner or purchaser has a separate right to opt out. If one of you chooses to opt out of the disclosure of your information and any other does not, only information regarding the other parties who do not opt out will be disclosed. However, each joint owner or purchaser may opt out of the sharing of information collected in conjunction with the product or service on behalf of all other joint parties.

If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need to return another opt out form.

If you wish to opt out of the disclosure of your information, you may do so by using any of the following methods:

• Check the appropriate box(es) on the Opt Out Notice that you received with this notice and return it to us at this address:
  The Harbor Bank of Maryland
  25 W. Fayette Street
  Attn: Electronic Banking
  Baltimore, Maryland 21201
• Call this toll free number: 1-888-833-7114
• Click here to complete the Opt Out Form