WHAT DOES GATEWAY BANK, F.S.B. DO WITH YOUR PERSONAL INFORMATION? 

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:

• Social Security Number
• Income
• Account Balances
• Payment History
• Credit History
• Credit Scores

When you are no longer our customer, we continue to share your information as described in this notice.

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 Gateway Bank, F.S.B. chooses to share; and whether you can limit this sharing. 

Reasons Gateway can share this information:

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 

• Note we do use this information for daily operations
• You cannot limit sharing of this information

Note Gateway does not share this information below but it is important that this information is listed. 

For our marketing purposes -
Offering our products and services to you 

For joint marketing with other financial companies

For our affiliates’ everyday business purposes such as information about your transactions and experiences -

Information about your transactions and experiences
 

For our affiliates’ everyday business purposes

Information about your creditworthiness
 

For non-affiliates to market to you

How does Gateway Bank, F.S.B. protect my personal information? 

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law which include computer safeguards and secured files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Gateway Bank, F.S.B. collect my personal information? 

We collect your personal information, for example when you

• Open an account
• Apply for a loan
• Make deposits or withdrawals from your account
• Provide account information
• Show your government-issued ID

We also collect your personal information through other methods, 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 non-affiliates 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.

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with non affiliates either for them to market to you or for joint marketing – without your authorization.

For California Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing – without your authorization..

For Nevada Customers Your state law requires that financial institutions provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 East Washington Street, Suite 3900, Las Vegas, NV 89101; phone number 702-486-3132; e-mail: BCPINFO@ag.state.nv.us

For Vermont Customers. We will not share personal information with non-affiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization. 

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

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

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