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The Empire Connection Newsletter – Third Quarter 2019

Earnings Release – ES Bancshares, Inc. Reports September 30, 2019 Quarterly Earnings of $376 Thousand, or $0.09 Per Common Share

Banking At Your Convenience

  • View Balances and account activity.
  • Monitor our debit card purchases.
  • Transfer money between your accounts.
  • Deposit checks directly from your phone.
  • Send and receive money with family and friends even if they have accounts at other banks.
  • Your account comes with fraud monitoring and around the clock security so your information is safe.


  • Mobile Check Deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. Data connection required. Wireless carrier fees may apply. Data rate may apply. Check with your mobile carrier for details. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

One Essential Page You Might Be Forgetting on Your Website – Privacy Policy


Required by Law

If purchasing your product or service requires customers to give you personally identifiable information, you are required to post a Privacy Policy on your website or make one available at your office or storefront. Personally identifiable information is the universal description of any information that can be used to identify, contact or locate an individual. It includes but isn’t limited to the following:

  • Full Names
  • Date of Birth
  • Physical Addresses
  • Any Type of National Identification Number
  • IP Addresses (if tracked)
  • Telephone Number
  • Screen Names or Handles
  • Email Address
  • Credit Card Numbers

Protection From Liability

Small businesses have the most to lose from poor data practices. You can handle data in a way consistent with local laws and your internal policies, but if a customer interprets that as mishandling, you may face liability or at least an expensive and time-consuming
legal battle to fight the claim. A Privacy Policy explains your policies for handling information and distinguishes prohibited actions from allowed ones. Also, if a customer authorizes your procedures by accepting the Privacy Policy, they will not have a cause of action against you. Their acceptance authorizes your data practices and as long as you
continue as you stated in your Privacy Policy, you enjoy legal protection even if a customer suddenly decides they do not approve of how you handle their data.

Drafting Your Privacy Policy

Start with these provisions when drafting your complete Privacy Policy.

  • Information Collected
  • How Information is Collected
  • Information You Share or Disclose
  • How Customers Can Update Information
  • Data Protection Measures
  • Opt-out Procedures
  • Updates and Notification

Drafting Tips

  • Never ask for more information than is necessary. If you do not require a customer’s date of birth to provide services, do not ask for it. The less personal data you collect the less work you need to perform to keep it safe and track it.
  • Write in plain language. Consumers are becoming more savvy about the data they share and how companies use it. Writing a vague or unnecessarily complex Privacy Policy puts them on alert and they will be less likely to do business with you. Use plain language and consider experimenting with other structures, like a FAQ or adding a table of contents.
  • Customize to your business. A fitness studio collects different data than an accounting firm. You can start with a template or a borrowed Privacy Policy, but make it relevant to your business and the information you collect.
  • Implement good information practices. A Privacy Policy gives a solid foundation and strengthens relationships with your customers, but that will mean nothing if you fail to instill the right security and virus protection for your systems. A well-drafted Privacy Policy is a good start to handling your customer’s personal data well and will help you enact better information protection practices.

ES Bancshares, Inc. Reports a 300% Increase in Earnings to $418 Thousand, or $0.10 per Common Share for the Quarter Ended June 30, 2019

ES Bancshares, Inc. and Empire State Bank Appoints Kelly Zhong, Board of Director

Press Release – ES Bancshares, Inc. Reports A 70% Increase In Earnings To $414 Thousand, Or $0.10 Per Common Share For The Quarter Ended March 31, 2019

Press Release – ES Bancshares, Inc. Reports Record Growth for the Year Ended December 31, 2018

Empire State Bank Releases the 2018 Annual Report