Privacy Policy

Rev: November 2020

uboabk.com takes its clients’ financial privacy very seriously. uboabk.com is committed to protecting the privacy of its customers and potential customers. We are committed to safeguarding your account, transaction, and nonpublic personal information. Such information is considered confidential. If you terminate your relationship with uboabk.com your information will still be kept confidential. This Privacy Statement describes how we collect and use your personal information and how we maintain the confidentiality and accuracy of such information.

Facts	WHAT DOES uboabk.com 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
Credit History and Transaction or Loss History
Payment History and Wire Transfer Instructions

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, list the reasons financial companies can share their customers’ personal information; the reasons uboabk.com chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does uboabk.com 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 to 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	No	We don't share
For our affiliates’ everyday business purposes- information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For non-affiliates to market to you	No	We don't share

Questions?	Call: 845-561-0003

Who we are
Who is providing this notice?	uboabk.com

What we do

How does uboabk.com 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 uboabk.com collect my personal information?

We collect your personal information, for example, when you

Open an account or apply for a loan
Deposit money or pay your bills online
Use your credit or 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

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. See below for more on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

uboabk.com has no affiliates

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

uboabk.com does not share with nonaffiliates so they can market to you

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partners may include credit card, investment, insurance or other financial companies.

OTHER IMPORTANT INFORMATION:
Federal law establishes privacy standards and requires uboabk.com to provide our privacy notice to customers each year. If you have any questions about our privacy practices you may write us at uboabk.com, 68 N. Plank Rd, Newburgh, NY 12550.