Internet Privacy Policy
This Internet Privacy Policy explains how we may collect information from you when you visit our web site
or when you use our online financial services.
We recognize the importance our customers place on the privacy and security of their personal
information. Our goal is to protect your personal information in every way that we interact with you,
whether it's on the telephone, in our lobby, at one of our ATMs, or on the Internet.
We think it is important for you to be informed of the policies, procedures, and security measures that we
have in place to safeguard your personal and confidential information. With that in mind, we have
developed this Internet Privacy Policy to help you to understand the steps we take to protect your
personal information when you utilize our online financial services.
In addition to the protections discussed within this Internet Privacy Policy, your online financial activities
may also be protected by our general privacy policy here..
Below are several definitions of terms used within this policy:
Customer Information - Customer Information refers to personally identifiable information about a
consumer, customer or former customer of this Institution.
Internet Protocol (IP) Address - an IP address is a unique address that devices use in order to identify
and communicate with each other on a computer network. An IP address can be thought of as a street
address or a phone number for a computer or other network device on the Internet. Just as each street
address and phone number uniquely identifies a building or telephone, an IP address can uniquely
identify a specific computer or other network device on a network. We may use IP addresses to monitor
login activity and for identification purposes when necessary for security investigations.
Cookie - a Cookie is a very small text file sent by a web server and stored on your hard drive, your
computer’s memory, or in your browser so that it can be read back later. Cookies are a basic way for a
server to identify the computer you happen to be using at the time. Cookies are used for many things
from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return
visitors and they perform a very important function in secure Internet banking.
"Session" Cookies are used to monitor session activity within our Internet banking product. These
Cookies are encrypted and only our Service Provider can read the information in these Cookies. The
session Cookie facilitates the processing of multiple transactions during a session without requiring you to
reenter your passcode for each individual transaction. Session Cookies used within our Internet banking
product do not pass to your computer’s hard drive. Instead, the Cookie is stored in your computer’s
memory, identifying only your computer while you are logged on. When you log off, or close your
browser, the Cookie is destroyed. A new Cookie is used for each session; that way, no one can use the
prior Cookie to access your account. For additional security, the Cookie expires after 10 minutes of
inactivity. It must then be renewed by reentering your passcode. We do not use this Cookie to collect or
obtain personal information about you.
An encrypted non-expiring Cookie is also used within our Internet banking product for the identification of
this Institution.
Service Provider - In order to provide a full range of online financial services, we may use various third
party providers. These third parties provide services such as: website hosting, Internet banking, bill
payment, and account aggregation. Third party providers are referred to within this policy as “Service
Information Collected
If you are just browsing through our website, we do not request any personally identifiable Customer
Information, nor do we collect unique identifying information about you unless you voluntarily and
knowingly provide us that information, such as when you send us an email or complete an application
online. If you provide us this information, it is only used internally and in furtherance of the purpose for
which it was provided.
As part of providing online financial products or services, we may obtain information about our customers
and website visitors from the following sources:
Information we receive from you on applications, emails, or other forms;
Information about your transactions with this Institution and our affiliates;
Information we receive from a consumer-reporting agency; and
Information that is generated electronically when you visit our website or use our online financial
We may collect personal information when you enter data into an application (app) for new products or
services or when you use our websites, products, or services. Personal information may include your
name, access number, other credentials, home or other physical address, Social Security Number, the
contents of your communications with us, telephone number, and email address. Additionally, we may
collect certain electronic data, such as your geolocation, IP address, keystrokes, website interactions, and
device identifier.
Some possible examples of information the app may request access include the following:
Location: Your location is used to prevent fraudulent activity and to display locations near you.
Contacts: Allowing access lets you add contacts to use with features (if available) that allow you
to send money via your mobile app. We will only add the contacts you choose, and that
information will not be shared.
Camera/Images: This app uses your camera to capture check images. If available, this app may
also use your camera take picture of receipts, scan ID, scan authorized QR codes and to conduct
video chat.
Service Providers hosting our website and Internet banking service may collect general information on
our website visitors for security and statistical purposes. Such information may include:
The Internet address (referral site) which brought you to our web site;
The date and time you access our site;
The name and version of your web browser;
Your Internet Protocol (IP) address;
The pages visited in our website; and
The duration of your online session.
Our Service Providers may use Cookies to collect some the above information. In some cases you must
accept cookies in order to view our website.
When you click on advertisements in our website or advertisements on linked 3rd party web sites, you
may receive another Cookie; however, you do not have to accept any Cookies from third party
As mentioned previously, our Service Provider(s) may also use Cookies within our Internet banking and
bill payment products. You must accept these Cookies in order to utilize the service. These Cookies do
not store any personally identifiable information; they simply provide another level of security.
Use of Information Collected
We may disclose the information that we collect, as described above, with Service Providers acting
on our behalf to provide online financial services such as: Internet banking and bill payment.
We may also disclose Customer Information when required or permitted by law. For example,
Customer Information may be disclosed in connection with a subpoena or similar legal process, fraud
prevention, or security investigation.
We may also share Customer Information outside this Institution when we have your consent, such
as when you request a specific product like insurance or an investment product from a third party
financial services provider.
We may also disclose aggregate (not personally identifiable) Customer Information with Service
Providers or financial institutions that perform marketing and research services on our behalf and with
whom we have joint marketing agreements. Our contracts require all such Service Providers/or
financial institutions to protect the confidentiality of your Customer Information to the same extent that
we must do.
We do not disclose any Customer Information about our customers, former customers, website
visitors to anyone, except as permitted or required by law.
We do not sell any of your personal information.
Account Aggregation
Account aggregation sites allow you to consolidate account information from several sources into one
online location. In order to provide this service, an aggregation provider may request your passcode and
login information. You should ensure that the aggregation provider has appropriate policies to protect the
privacy and security of any information that you provide.
If you provide information about your Pilgrim Bank accounts to an aggregation provider, we will consider
all transactions initiated by an aggregator using the access or login credentials that you provide, to be
authorized whether or not you were aware of a specific transaction.
If you decide to revoke the authority given to an aggregation provider, we strongly recommend that you
also change your online passcode with this Institution. This will help ensure that the aggregation
company cannot continue to access your account(s) with us.
Email Policies
When you enroll for our online services, we will send you a welcome email. We may also send emails
marketing various products and services offered by this Institution. We will always provide you an
opportunity to opt-in or opt-out of marketing related emails.
We will also send security related email notices when you sign-up for email (“notify me”) alerts on your
account(s) or whenever you change your passcode, security question, or email address.
If you agree to accept electronic disclosures and/or online account statements, we may also send you
notices of important account updates through email. For example, if you have agreed to accept
disclosures electronically, we may send you an email with updates to this privacy policy and/or we may
send you a notice that your account statement is available for viewing on our website. For more
information on how to enroll for electronic disclosures, please contact us at 877-303-3111.
Beware of Phishing Attempts and Internet Scams
While email is convenient and has a good business use, it can also be misused by criminals for scams
and various other fraudulent purposes. “Phishing emails” are frequently used by criminals to entice the
recipient to visit a fraudulent website where they try to convince the recipient to provide personal
information, such as ATM card numbers, account numbers, Social Security numbers, access Ids and
passcodes. Some of these fraudulent websites may also be virus laden and can be used to download
mal-ware to your computer. Fraudulent websites often look identical to a legitimate site, so it’s important
to look very closely at the website address.
Below we have listed a few tips to help protect your personal information on the Internet:
Always be wary of links in emails, especially any links in emails purporting to be from this Institution.
Please remember that if we send you an email, we will never ask for personal information such as
your account number, ATM card number, PIN number, or social security number.
Bookmark financial websites and use these bookmarks every time you visit the website.
Whenever you enter personal information like your access ID or passcode, always look for the lock
symbol, or https: in the address bar. Always click on the lock symbol and review the certificate details.
Update your Internet browser! Most browsers now offer free anti-phishing tool bars that can help alert
you of fraudulent websites.
If you send us an email, please do not include any confidential, personal or sensitive information in
the email message, as email messages are generally not secure. We do offer secure messaging
through our Internet Banking product and you may use this secure messaging feature if you need to
send us sensitive or confidential information.
Make sure that your computer always has up-to-date versions of both anti-spyware and anti-virus
If you receive an e-mail that you think could be a scam, delete it immediately or forward the email to
If you have any questions about the legitimacy of an email, especially an email from this Institution,
you can also call us at this number 877-303-3111 or forward the email to
External 3rd Party Links
Our website may include links to other 3rd party web sites. These links to external 3rd parties are offered
as a courtesy and a convenience to our customers. When you visit these sites, you will leave our website
and will be redirected to another site.
This Institution does not control linked 3rd party web sites. We are not an agent for these third parties nor
do we endorse or guarantee their products. We make no representation or warranty regarding the
accuracy of the information contained in linked sites. We suggest that you always verify the information
obtained from linked websites before acting upon this information. Also, please be aware that the security
and privacy policies on these sites may be different from our policies, so please read third party privacy
and security policies closely.
While using our website, you may still see our logo when linking to a 3rd party site. A technique called
“Framing” allows us to display our logo and look and feel while allowing you to browse another site at the
same time. It’s important to note that while you may still see our logo and frame, any information you
provide to a 3rd party is not covered by our privacy or security policies.
If you have questions or concerns about the privacy policies and practices of linked 3rd parties, please
review their websites and contact them directly. This privacy policy applies solely to the Customer
Information collected by this Institution.
This Institution and our Service Providers have developed strict policies and procedures to safeguard
your Customer Information. Our policies require confidential treatment of your personal information. We
restrict employee access to your personal information on a "need to know" basis and we take appropriate
disciplinary measures to enforce employee privacy and confidentiality responsibilities. We have
established training programs to educate our employees about the importance of customer privacy and to
help ensure compliance with our policy requirements.
Furthermore, this Institution and our Service Providers maintain strong physical, electronic and procedural
controls to protect against unauthorized access to customer information. Our computer systems are
protected in the following ways:
Computer anti-virus protection detects and prevents viruses from entering our website, email, and
computer network systems.
Firewalls and intrusion prevention systems block unauthorized access by individuals or networks.
We use encryption technology, such as Secure Socket Layer (SSL), to protect the transmission of
your confidential information. Whenever you login to our Internet banking product or schedule an
online transaction through our system, the communication is encrypted. Encryption scrambles
transferred data so it cannot be read by unauthorized parties.
We use strong multi-level authentication and behavior analysis to help prevent unauthorized access
to your accounts. Multi-level authentication can help prevent access by someone who may have
stolen your login credentials.
We provide secure email through our Internet Banking product to help ensure that your
communications with us are confidential.
We continually monitor technological advances and upgrade our systems to ensure your information
remains secure.
Privacy of Children
COPPA, the Children's Online Privacy Protection Act, protects children under the age of 13 from the
collection of personal information on the Internet. This financial institution respects the privacy of
children. We do not knowingly collect names, emails addresses, or any other personally identifiable
information from children. We do not knowingly market to children, nor do we allow children under 13 to
open online accounts.
Privacy Updates
This policy maybe updated from time-to-time as new products and features may require changes to our
Internet Privacy Policy. The effective date of our policy will always be clearly displayed. If we make any
changes regarding the use or disclosure of your personal information, we will provide you prior notice and
the opportunity to opt-out of such disclosure if required by law.
If you have any questions about our privacy policy or concerns about our privacy practices, please
contact us at 877-303-3111 or
Effective Date: June 6, 2011