• Privacy Notice

  • FACTS   WHAT DOES First Niagara Financial Group, Inc. ("First Niagara") 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 balance
    • transaction history and credit card or other debt
    • investment experience and credit history
     
    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 First Niagara chooses to share; and whether you can limit this sharing.

    Reasons we can share your personal information   Does First Niagara 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 Yes Yes
    For our affiliates to market to you Yes Yes
    For nonaffiliates to market to you No We don't share

    To limit our sharing   Call 1-855-535-7880 – our menu will prompt you through your choice(s).

    Please note:


    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.
    Questions?   Call 1-855-535-7880  

    Who we are
     
    Who is providing this notice? First Niagara Financial Group, Inc. and its corporate family, which includes: First Niagara Bank, N.A., First Niagara Risk Management, Inc., and First Niagara Securities, Inc. d/b/a First Niagara Investment Services.

    What we do
     
    How does First Niagara 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.

    We partner with third parties and use protocols, tools, and auditing to confirm your identity, help keep transactions secure, and enhance your online experience.
    How does First Niagara collect my personal information? We collect your personal information, for example, when you:
    • open an account or apply for a loan
    • apply for insurance or seek advice about your investments
    • give us your contact information
    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.
    What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account – unless you tell us otherwise.

    Definitions  
    Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
    • Our affiliates include First Niagara Bank, N.A., First Niagara Risk Management, Inc., and First Niagara Securities, Inc. d/b/a First Niagara Investment Services.
     
    Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
    • First Niagara does not share 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.
    • Our joint marketing partners may include other financial institutions, credit card companies and insurance companies.
     

     Rev 12/2012
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