Essex Financial Services

Privacy

PRIVACY NOTICE OF ESSEX FINANCIAL SERVICES, INC.

At Essex Financial Services, Inc., the confidentiality of our customers’ personal information
is of paramount importance to us. This Privacy Notice will summarize some of the policies and procedures we have in place to protect the privacy and security of your non-public personal information. This Privacy Notice covers the policies and procedures of Essex Financial
Services, Inc.

Types of Information We Collect
We collect and accumulate non-public personal information about customers from a variety of sources. Specifically, we collect non-public personal information: (1) from our customers; (2) about our customer’s transactions with us; (3) about our customer’s transactions with affiliates and non-affiliated third parties; and (4) from consumer reporting agencies. We will limit the use and collection of information about our customers to that, which is necessary to administer our business, provide good customer service, and offer opportunities that we think will be of interest to you. This means that we will use information to help us identify and mitigate potential risks or loss as well as help identify additional products or services that we believe you might want to know about.

Information We Share Among the Entities Within Our Corporate Family
We may, from time to time, share certain information among the entities in our corporate family. At present, the entities in our corporate family include Essex Savings Bank and Essex Financial Services, Inc. In the future, as we continue to adapt to the changing needs of our customers, we may add additional companies to our corporate family and information may be shared with those companies as well. The information that may be shared among the entities within our corporate family is generally limited to information about your transactions or experiences with us (for example, information concerning the types of accounts you have with us and account balances). We may also share certain information that you provide to us (such as your name, address, and other contact information). In all cases, if and when we share this information, we will only do so to the extent permitted by applicable law.

Information We Share With Others
We may, from time to time, disclose some or all of the non-public personal information we collect (as described above under "Types of Information We Collect") to nonaffiliated third parties. However, we will only share information if permitted or required by law. For example, we may disclose non-public personal information to third parties in order to assist us in servicing or processing your account with us. We may also, for example, share information with our auditors, legal counsel and regulatory agencies. These types of disclosures are often necessary for us to conduct our business operations or to comply with applicable laws.

To the extent permitted by law, we may also disclose certain information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Those nonaffiliated third parties might include certain financial service providers, such as Michael I. Silverberg, LLC (this is a company that sometimes help make certain insurance products available to our customers). These third parties might also include certain nonfinancial companies, such as a company that might be hired to help us market a product or service (such as helping us with a large mailing or analyzing data to better identify customer needs or interests). The types of information that might be shared with these third parties is generally limited to information about your transactions or experiences with us (for example, information about the types of accounts you have with us, account balances and other account terms). We may also share certain information that you provide to us (such as your name, address and other contact information).

Maintenance of Accurate Information
We strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us in writing. We will investigate your concerns and correct any inaccuracies.

Protection of Information via Established Security Procedures
We are committed to the security of your financial and personal information. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information. We have policies and procedures in place that are designed to limit access to non-public personal information to those employees who need to have access to the information to conduct business operations or to provide products or services to you.

Our Former Customers
Even if you are no longer our customer, our privacy policies and procedures will continue to apply to you except as provided below.

Providing Privacy Information to Customers and Responding to Inquiries
We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed this Privacy Notice which is made readily available to our customers. Please understand that this Privacy Notice is merely a summary of select aspects of our policies and procedures and does not constitute a contract. We reserve the right to revise the policies and procedures described in this Privacy Notice and, to the extent permitted by law, those revisions may affect the non-public personal information of our current customers and former customers. Customers who have questions about this Privacy Notice or our policies and procedures or have a question about the privacy, security and accuracy of their customer information should call us at 1-860-767-4300, outside Connecticut at 1-800-900-5972, or e-mail us at info@essexfinancialservices.com. You may also write us at Attention: Privacy, Essex Financial Services, Inc., 176 Westbrook Road, P.O. Box 999, Essex, CT 06426-0999.

This site is published for residents of the United States only. Essex Financial Services' Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact us for information and availability.

				Privacy PRIVACY NOTICE OF ESSEX FINANCIAL SERVICES, INC. At Essex Financial Services, Inc., the confidentiality of our customers’ personal information is of paramount importance to us. This Privacy Notice will summarize some of the policies and procedures we have in place to protect the privacy and security of your non-public personal information. This Privacy Notice covers the policies and procedures of Essex Financial Services, Inc. Types of Information We Collect We collect and accumulate non-public personal information about customers from a variety of sources. Specifically, we collect non-public personal information: (1) from our customers; (2) about our customer’s transactions with us; (3) about our customer’s transactions with affiliates and non-affiliated third parties; and (4) from consumer reporting agencies. We will limit the use and collection of information about our customers to that, which is necessary to administer our business, provide good customer service, and offer opportunities that we think will be of interest to you. This means that we will use information to help us identify and mitigate potential risks or loss as well as help identify additional products or services that we believe you might want to know about. Information We Share Among the Entities Within Our Corporate Family We may, from time to time, share certain information among the entities in our corporate family. At present, the entities in our corporate family include Essex Savings Bank and Essex Financial Services, Inc. In the future, as we continue to adapt to the changing needs of our customers, we may add additional companies to our corporate family and information may be shared with those companies as well. The information that may be shared among the entities within our corporate family is generally limited to information about your transactions or experiences with us (for example, information concerning the types of accounts you have with us and account balances). We may also share certain information that you provide to us (such as your name, address, and other contact information). In all cases, if and when we share this information, we will only do so to the extent permitted by applicable law. Information We Share With Others We may, from time to time, disclose some or all of the non-public personal information we collect (as described above under "Types of Information We Collect") to nonaffiliated third parties. However, we will only share information if permitted or required by law. For example, we may disclose non-public personal information to third parties in order to assist us in servicing or processing your account with us. We may also, for example, share information with our auditors, legal counsel and regulatory agencies. These types of disclosures are often necessary for us to conduct our business operations or to comply with applicable laws. To the extent permitted by law, we may also disclose certain information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Those nonaffiliated third parties might include certain financial service providers, such as Michael I. Silverberg, LLC (this is a company that sometimes help make certain insurance products available to our customers). These third parties might also include certain nonfinancial companies, such as a company that might be hired to help us market a product or service (such as helping us with a large mailing or analyzing data to better identify customer needs or interests). The types of information that might be shared with these third parties is generally limited to information about your transactions or experiences with us (for example, information about the types of accounts you have with us, account balances and other account terms). We may also share certain information that you provide to us (such as your name, address and other contact information). Maintenance of Accurate Information We strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us in writing. We will investigate your concerns and correct any inaccuracies. Protection of Information via Established Security Procedures We are committed to the security of your financial and personal information. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information. We have policies and procedures in place that are designed to limit access to non-public personal information to those employees who need to have access to the information to conduct business operations or to provide products or services to you. Our Former Customers Even if you are no longer our customer, our privacy policies and procedures will continue to apply to you except as provided below. Providing Privacy Information to Customers and Responding to Inquiries We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed this Privacy Notice which is made readily available to our customers. Please understand that this Privacy Notice is merely a summary of select aspects of our policies and procedures and does not constitute a contract. We reserve the right to revise the policies and procedures described in this Privacy Notice and, to the extent permitted by law, those revisions may affect the non-public personal information of our current customers and former customers. Customers who have questions about this Privacy Notice or our policies and procedures or have a question about the privacy, security and accuracy of their customer information should call us at 1-860-767-4300, outside Connecticut at 1-800-900-5972, or e-mail us at info@essexfinancialservices.com. You may also write us at Attention: Privacy, Essex Financial Services, Inc., 176 Westbrook Road, P.O. Box 999, Essex, CT 06426-0999. This site is published for residents of the United States only. Essex Financial Services' Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact us for information and availability. Privacy Policy - Terms of Use - © 2005 Essex Financial Services. All rights reserved. Web Design: Smizer Perry -