When you do business with Tompkins Trust Company, The Bank of Castile, Mahopac National Bank, AM&M Financial Services, Inc. (including each of its subsidiaries: AM&M Planners, Inc., Ensemble Risk Solutions, Inc., and Ensemble Financial Services, Inc.), or Tompkins Insurance Agencies, Inc. (each an Affiliate of Tompkins Financial Corporation and together called Tompkins), you expect that your personal information will be kept private and confidential. At Tompkins, we are committed to maintaining your privacy and safeguarding your account, transaction, and non-public personal information. Such information is considered confidential. If you terminate your relationship with Tompkins, your information will still be kept confidential.
Tompkins collects certain confidential information from you as a customer. We collect your personal information, for example, when you open an account or deposit money, pay your bills or apply for a loan, use your credit or debit card, apply for insurance, seek advice about your investments or direct us to buy or sell your securities. The type of personal information we collect depends upon the product or service you have with us. This information can include Social Security number and income, account balances and payment history, credit history and credit scores, account transactions and transaction history, overdraft and purchase history, and medical information. You supply some of this information to Tompkins on applications and other forms. Other information is collected from various sources such as non-affiliated third parties and consumer reporting agencies.
Keeping Your Information Accurate and Secure
Tompkins has established procedures to ensure that the confidential information you provide is maintained in an accurate, current, and complete manner. Should you notify us of any errors or changes in your information, we will promptly correct or update it. We maintain physical, electronic, and procedural safeguards that comply with federal standards to secure your nonpublic personal information.
Employee Access To Information
Employees of Tompkins may be given access to confidential information in the normal course of business. No employee of Tompkins is permitted to use or disseminate any confidential information except as required for the normal performance of his or her job. Tompkins informs and trains its employees stressing the importance of confidentiality and customer privacy.
Disclosing Information to Affiliates In Our Company
Tompkins may disclose information among its Affiliates for our everyday business purposes – such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, or report to credit bureaus or otherwise as required by law. We may share information about your transactions and experiences, and for our affiliates to offer and provide you with additional products and services that may be available through our Company. However, we will not share information about your creditworthiness.
Disclosing Information To Non-affiliated External Organizations
Tompkins policy is to not share your confidential information with non-affiliated external organizations except for everyday business purposes, such as to process transactions, maintain accounts, respond to court orders and legal investigations or to report to credit bureaus or otherwise as required by law. We may disclose any of the information we collect, as described in the section entitled Obtaining Information, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Such organizations will be contractually required to conform to Tompkins privacy standards.
Tompkins may disclose non-exempted, nonpublic personal information, including transaction and experience information, to its affiliates for solicitation or marketing additional products and services. You may elect to opt out of such disclosure by clicking here and completing a Privacy Opt-Out Request form online, or by calling 888-273-3210. This request to opt out will remain in effect as long as you are a customer of Tompkins or you notify us otherwise. Tompkins’ practice is to permit each joint consumer account holder to opt out separately. A joint consumer account holder is also permitted to act on behalf of all other joint accountholders.