Privacy Policy
What does 1st National Bank of Scotia do
with your personal information?
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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.
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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 income
- Account balances and payment history
- Credit history and employment information
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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 1st National Bank of Scotia chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does 1st National Bank of Scotia 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 | No | We don't share |
| For our affiliates’ everyday business purposes Information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes Information about your creditworthiness | No | We don't share |
| For our affiliates to market to you | Yes | Yes |
| For non-affiliates to market to you | No | We don't share |
To limit our sharing, mail the form.
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 and questions.
What we do
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How does 1st National Bank of Scotia 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 also restrict access to personal information about you to those employees who need to know that information to provide products and services to you.
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How does 1st National Bank of Scotia collect my personal information?
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
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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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.
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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
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Affiliates
Companies related by common ownership or control. They can be financial and non financial companies.
- Our affiliates include our bank holding company, Glenville Bank Holding Co., Inc. and insurance company, Scotia Insurance Agency, Inc. d/b/a FNB Financial Services, Scautub Agency, LLC
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Non-affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- 1st National Bank of Scotia does not share with non-affiliates so they can market to you
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Joint marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- 1st National Bank of Scotia doesn’t jointly market
Download a copy of the First National Bank of Scotia Privacy Policy
Website Privacy & Data Collection Practices
In this privacy statement, we explain what we do with the data we obtain about you via https://firstscotia.com. We recommend you carefully read this statement. In our processing we comply with the requirements of privacy legislation. That means, among other things, that:
- we clearly state the purposes for which we process personal data. We do this by means of this privacy statement;
- we aim to limit our collection of personal data to only the personal data required for legitimate purposes;
- we first request your explicit consent to process your personal data in cases requiring your consent;
- we take appropriate security measures to protect your personal data and also require this from parties that process personal data on our behalf;
- we respect your right to access your personal data or have it corrected or deleted, at your request.
If you have any questions, or want to know exactly what data we keep of you, please contact us.
1. Purpose and categories of data
We may collect or receive personal information for a number of purposes connected with our business operations which may include the following: (click to expand)
1.1 Compiling and analyzing statistics for website improvement.
The following categories of data are collected:
- IP Address
- Internet activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement
- Geolocation data
Retention period
We retain this data upon termination of the service for the following number of months: 60
1.2 To be able to comply with legal obligations
The following categories of data are collected:
- Internet activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement
- Geolocation data
Retention period
We retain this data upon termination of the service for the following number of months: 60
1.3 To support services or products that a customer wants to buy or has purchased
The following categories of data are collected:
- IP Address
- Internet activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement
- Geolocation data
Retention period
We retain this data upon termination of the service for the following number of months: 60
1.4 Contact – Through phone, mail, email and/or webforms
The following categories of data are collected:
- A first and last name
- A home or other physical address, including street name and name of a city or town
- An email address
- A telephone number
Retention period
We retain this data upon termination of the service for the following number of months: 60
2. Disclosure practices
We disclose personal information if we are required by law or by a court order, in response to a law enforcement agency, to the extent permitted under other provisions of law, to provide information, or for an investigation on a matter related to public safety.
If our website or organisation is taken over, sold, or involved in a merger or acquisition, your details may be disclosed to our advisers and any prospective purchasers and will be passed on to the new owners.
3. How we respond to Do Not Track signals & Global Privacy Control
Our website responds to and supports the Do Not Track (DNT) header request field. If you turn DNT on in your browser, those preferences are communicated to us in the HTTP request header, and we will not track your browsing behavior.
4. Cookies
Our website uses cookies. For more information about cookies, please refer to our Cookie Policy on our Opt-out preferences webpage.
We have concluded a data processing agreement with Google.
Google may not use the data for any other Google services.
The inclusion of full IP addresses is blocked by us.
5. Security
We are committed to the security of personal data. We take appropriate security measures to limit abuse of and unauthorized access to personal data. This ensures that only the necessary persons have access to your data, that access to the data is protected, and that our security measures are regularly reviewed.
6. Third-party websites
This privacy statement does not apply to third-party websites connected by links on our website. We cannot guarantee that these third parties handle your personal data in a reliable or secure manner. We recommend you read the privacy statements of these websites prior to making use of these websites.
7. Amendments to this privacy statement
We reserve the right to make amendments to this privacy statement. It is recommended that you consult this privacy statement regularly in order to be aware of any changes. In addition, we will actively inform you wherever possible.
8. Accessing and modifying your data
If you have any questions or want to know which personal data we have about you, please contact us. Please make sure to always clearly state who you are, so that we can be certain that we do not modify or delete any data of the wrong person. We shall provide the requested information only upon receipt of a verifiable consumer request. You can contact us by using the information below. You have the following rights:
8.1 You have the following rights with respect to your personal data
- You may submit a request for access to the data we process about you.
- You may object to the processing.
- You may request an overview, in a commonly used format, of the data we process about you.
- You may request correction or deletion of the data if it is incorrect or not or no longer relevant, or to ask to restrict the processing of the data.
- You may appeal our decision whenever we refuse to take action on a request and submit a complaint with the competent authority if your appeal is denied.
9. Children
Our website is not designed to attract children and it is not our intent to collect personal data from children under the age of consent in their country of residence. We therefore request that children under the age of consent do not submit any personal data to us.
10. Contact details
1st National Bank of Scotia
201 Mohawk Avenue, Scotia, NY 12302
United States
Website: https://firstscotia.com
Email: information@firstscotia.com
Toll free phone number: (877) 393-5079
Phone number: (518) 370-7200
11. Data Requests
For the most frequently submitted requests, we also offer you the possibility to use our data request form
This privacy statement was last changed on May 4, 2026, last checked on May 4, 2026, and applies to citizens and legal permanent residents of the United States.