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.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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 Emigrant chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Emigrant 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
For our marketing purposes- to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes- information about your transactions and experiences
For our affiliates' everyday business purposes- information about your creditworthiness
For our affiliates to market to you
For non-affiliates to market to you
We don't share
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Emigrant Family offers consumer-related financial services and includes Emigrant Bank (providing a full range of banking products); Emigrant Mortgage a division of Emigrant Bank., (offering residential mortgage loans), Emigrant Mortgage Company, Inc. (offering mortgage loan servicing), Emigrant Funding Corporation (offering small balance commercial mortgage loans), Emigrant Agency, Inc. doing business as Emigrant Financial Services (featuring insurance and annuity products), Personal Risk Management Solutions, (a division of Emigrant Bank providing insurance advisory services), New York Private Bank and Trust (a division of Emigrant Bank offering private banking and trust services), New York Private Trust Company (an affiliate of Emigrant Bank offering trust services), Sarasota Private Trust Company (a subsidiary of Emigrant Bank offering wealth management and trust services), Cleveland Private Trust Company (a subsidiary of Emigrant Bank offering wealth management and trust services), EmigrantDirect, DollarSavingsDirect, and MySavingsDirect (each a division of Emigrant Bank offering certain banking products and services via the Internet), and New York Private Finance (an affiliate of Emigrant Bank offering structured loans and financial advisory services to private clients.
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. We maintain electronic safeguards to protect customer privacy on our websites. We carefully monitor our compliance with applicable laws and regulations and our internal security policies and procedures.
We collect your personal information, for example, when you
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing.
When an information sharing request is received, and the account is a joint account, the information sharing for only the individual customer is limited.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
California: Under California law, we will not share information we collect about you with companies outside of Emigrant Family, unless the law allows. For example, we may share information with your consent, to service your accounts. We will limit sharing among our companies to the extent required by California law.
For more information, please call 800-836-1997 or email us at CustomerService@EmigrantDirect.com.