Privacy Policy | Upstate Agency
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Upstate Agency Privacy Policy

Rev 7/1/2026

 

FACTS WHAT DOES UPSTATE AGENCY, LLC. DO WITH YOUR PERSONAL INFORMATION?
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.
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 employment information
  • transaction history and insurance claim history
  • income and assets

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

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 Upstate Agency, LLC. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Upstate Agency, LLC. 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 No We don't share
For nonaffiliates to market to you No We don't share
Questions? Employee Benefits Division: 518-793-2885
Personal/Business Lines: 518-792-5841
or visit our website at upstateagency.com
Who we are  
Who is providing this notice? Upstate Agency, LLC.
What we do  
How does Upstate Agency, LLC. 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 restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.
How does Upstate Agency, LLC. collect my personal information?

We collect your personal information, for example, when you:

  • open an account or apply for insurance
  • file an insurance claim or provide employment information
  • give us your income information

We also collect your personal information from others, 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.

Definitions  
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include financial companies such as:
    • Arrow Financial Corporation
    • Arrow Bank National Association
    • Adirondack Insurance Services, Inc.
    and nonfinancial companies, such as:
    • None
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Upstate Agency, LLC. does not share with nonaffiliates so they can market to you.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Upstate Agency, LLC. does not jointly market.
© 2026 Upstate Agency, LLC