Q: What kind of information
does Sandy Spring collect?
A: The kind of information we collect depends upon your financial
needs and the products and services you request. For example, when
you apply for a loan with us, we need information about your
financial status - such as your place of employment, income,
monthly expenses and personal assets and debts outstanding - to
process your loan application. In addition, in order to make your
banking as convenient and efficient as possible, we maintain
information about your transactions with us, your account balance,
and repayment history. Our collection and use of information is
consistent with the Voluntary Guidelines for Responsible Use and
Protection of Customer Information developed by the American
Q: How does Sandy Spring
obtain the information?
A: We collect information from many sources. Much of our
information comes directly from you when you fill out a loan or
account application. For a loan application, we also obtain
information from credit reporting agencies and other creditors
regarding your credit and repayment history. We retain
communications from you (such as letters or emails) in order to
answer questions you may have and to keep records of your requests
or concerns regarding our products and services. We also use your
letters or emails to measure how effectively we have addressed your
concerns. We also obtain demographic and household information from
outside sources such as database information firms.
Q: Who at Sandy Spring has
access to my information?
A: We have strict internal policies against unauthorized use or
disclosure of your information. Our employees have an appropriate
level of access to your personal information in order to conduct
your financial affairs. We emphasize the importance of
confidentiality through our code of conduct, employee training,
with which we have a relationship to maintain the confidentiality
of consumer information.
Q: Why does Sandy Spring
need my information?
A: We maintain information and data about you to maintain the
security of your accounts and to protect you and the entire
institution against fraud. We need clear and accurate information
to be able to positively identify you and authenticate your
transactions in order to prevent access to your accounts by
We also collect and analyze client information as the first step
in developing new products. For example, if we know you are a
homeowner in need of additional financing, we can recommend a home
equity loan or credit line as an alternative to an installment loan
because of its potentially lower costs and tax benefits.
We are also required by laws and regulations to gather certain
information. For example, we are required by federal regulation to
obtain a tax identification number (generally a social security
number) for many of our accounts, including all savings, checking
and/or investment accounts that pay interest.
Q: What do I do if I see
any inaccurate information on my statements?
A: Sandy Spring works hard to assure that your information is
current, accurate, and as complete as possible. If you see any
inaccuracy in your statements or in any other communications from
us, please call our Client Service Center at 800-399-5919 or
301-774-6400 or contact us at firstname.lastname@example.org.
It is our policy to investigate and correct inaccuracies in a
Q: Are there any
regulations on disclosure of account
A: Yes. Under current law, we are allowed to share certain
information such as your name, address, and information about your
accounts - among our family of companies. In some cases, such as
fraud investigation or in response to a validly issued search
warrant or subpoena, we may be required by law to provide certain
information to law enforcement agencies. There are also laws and
regulations that affect the sharing of information with firms
outside our family of companies such as check printers, data
processors and marketing firms.
Q: Why does Sandy Spring
share information within its family of
A: Our goal is to make your financial dealings with us more
efficient and easier for you to manage. In addition, information
sharing allows us to keep you informed about new products and
services, often provided at special rates because you have other
account relationships with us. It also helps us to prevent fraud.
For example, because of information sharing, a client who reports a
lost or stolen debit card knows that the information will
automatically be shared throughout our family of companies to
prevent problems with other accounts. These uses of information not
only offer you convenience, they also dramatically increase the
chance of preventing further losses and of apprehending the
Q: Will my medical records
be shared within your family of companies?
A: No. We recognize that, when clients provide medical information
for a specific purpose, they do not wish it to be used for any
other purpose other than to provide the product or service they
have requested. If a client provides personal medical information,
we will use it only for the purpose for which it is intended and
will not disclose it unless you direct us, in writing, to do
Q: Can I prevent my
information from being shared with other companies in your family
A: Yes. You can choose to opt out of affiliate information
sharing, except for information about your specific transactions
Q: Why does Sandy Spring
share information with outside companies?
A: We use third parties to help us process your financial
transactions and to provide you with a full range of financial
products and services. For example, we use third parties to print
your checks, to process your account transactions, to help us
market our products and services, and to mail account statements.
This means more efficient services and helps keep your costs as low
as possible. In addition, when you open an account or apply for a
loan, or line of credit, we use various credit bureaus as part of
the process for approving your application. We may also use outside
companies to help us with fraud investigations.
Q: Will the third parties
keep my information confidential?
A: We will not share your information with any company that does
not agree to keep your information confidential. We carefully
select the third-party companies we work with and any information
that is shared is always subject to a strict confidentiality
agreement. Moreover, it is a violation of federal law for a third
party to reuse customer information received from us unless that
information is also publicly available elsewhere.
Q: How do I remove my
name from Sandy Spring's marketing lists?
A: To remove your name from our marketing lists, please do one of
- Write to:
Quality Control - Operations
Sandy Spring Bank
17801 Georgia Avenue
Olney, MD 20832
- Call our Client Service Center at 800-399-5919 or
- Send us an email at email@example.com
- Visit your nearby community office
In order to ensure that we accurately reflect your request,
please provide your full name, street address, and social security
number. For telemarketing and/or email requests, also include your
telephone number or email address as appropriate. It may take up to
eight to twelve weeks for your request to be fully effective. If
you choose to remove your name from our list, you may not hear of
new products, special offers or discounts that we extend to our
clients from time to time. Please note that we will continue to
send you marketing material and promotional materials in your
Go to the Sandy Spring Privacy Notice