Community Bank of Bergen County, NJ

Privacy and Security for Online Banking

 

 

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Community Bank of Bergen County, New Jersey.

 

This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers.

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a:

            Deposit account

            Loan account

            Safe deposit box     

            Trust accounts

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or governmental records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party”

 

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

            Information you give us on applications or other forms

            Information about your transactions with us

            Information about your transactions with other parties

            Information from a consumer reporting agency

 

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about existing or former customers to anyone, except as permitted by law.

Examples include:

            The information is necessary to help complete a transaction you requested.

            You request or authorize that the information be revealed.

            The disclosure is required or allowed by law (e.g., subpoena, regulatory request,      

            etc).

 

 

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

 

About Our Web site: www.cbbcnj.com - We do not collect personal information from visitors to our Web site without their knowledge. The information you provide to us on our Web site is done so voluntarily so that we may provide you with a product or service for which you have expressed an interest or to complete a transaction that you have initiated.

 

Use of “Cookies”-A “cookie” is a small piece of information that may be created when you visit a web site, and may or may not be written to your computer’s hard drive. Depending on the type of information collected, if it is stored on your hard drive it can be retrieved when you revisit the site. Other “cookies” are used to enhance performance of a web site. They are written to your browser only and expire when you terminate your internet session. The “cookie” we use is for security purposes only. It is written to your browser, and expires once your internet session is terminated. It is used to monitor inactivity during your session. If there is no activity for a predetermined period of time, your session will timeout and you will be automatically logged off. No personal information is collected about you, nor can personal information be retrieved from your computer through the use of the “cookie”.

 

Maintenance of Accurate Information

We strive to maintain accurate and complete information about our customers and their accounts with us. We maintain established procedures to ensure the accuracy of that information and to keep that information current. Those procedures include promptly responding to a customer’s request for verification and/or correction of information. Questions concerning your account records may be directed to the address and/or telephone number listed at the end of this document.

 

Established Security Procedures to Protect Customer Information

There are company-wide policies on date security relating to mainframe (database) access and personal computer use. In all forms of access to customer information, whether in person, telephone, ATMs, the Internet, etc., there are strict procedures in place to ensure that a customer’s identity is verified prior to providing any information, whether through personal passwords, or other form of identifying information.

Our Web site: www.cbbcnj.com may provide access through links to other products and services, some of which are offered through nonaffiliated third parties. Once you leave our web site, you should review the security and privacy policies of the nonaffiliated third party.

 

Community Bank of Bergen County website and Bill Paying Service

You can bank with confidence on our web site. We take every precaution to ensure that your banking sessions are performed in a secure environment through a secure server. Our Web site provides secure communication and has a valid certificate. Secure communication means that information you provide and transmit over the internet, such as your account number or other personal information, is encrypted using the highest level of 128-bit encryption so that it cannot be intercepted and read by other people. The certificate is a statement guaranteeing the security of the Web site and contains information that a specific Web site is authentic. This ensures that no other site can assume the identity of the original site. We also require a User ID and password to access our online Banking System. To maintain the security of your account information, we ask that you take the following precautions: (1) Do not share your User ID and/or password with anyone. If you do, you are authorizing the Bank to perform transactions for that person, just as if you requested it. Bank employees will never ask you for your password. If you believe someone has obtained your password, contact us immediately at the telephone number below; (2) Change your password regularly; and, (3) Remember to sign off after your session.

 

E-mail-You should know that e-mail is not transmitted through a secure server. When you send e-mail to us, you should not include personal or confidential information.

 

Disclosure of Privacy Statement to Customers

This statement is posted in all of our branch offices, on our website and is available upon request. Customers who have specific questions regarding this policy, may contact the Bank, either in writing, or by telephone during regular business hours. This policy may be revised from time to time, and without notice, to reflect current practice.

 

If you have any questions, concerns, or need more information? Call or write to us at:

 

Community Bank of Bergen County, NJ

201 Rochelle Ave

Rochelle Park, NJ  07662

201-587-1333

I HAVE READ THE ABOVE POLICY

AND WISH TO CONTINUE

Please print a copy for your records.