At Bank of New Jersey, we are committed to treating non-public personal information responsibly. We have built physical, electronic and procedural safeguards that comply with federal standards to protect non-public personal information. The employees of Bank of New Jersey have access to a variety of confidential personal and business information about its customers. This policy statement addresses our philosophy and standards designed to protect proprietary information and respect the confidentiality of our customers. We do not disclose non-public personal information, about current or former customers, to anyone except as permitted by law. We do not sell customer lists or individual customer information. We know that our customers entrust us with highly confidential information and expect that we will protect that information. We maintain strict standards on safeguarding that information.
Information We Collect About You
We collect non-public personal information about you from information we receive from you on applications or other forms; information about your transactions with us, our affiliates or others; any information you furnish to us via e-mail and information received from credit reporting agencies when you apply for credit or other products and when we review and monitor accounts for collection. We collect and retain non-public personal information about you to protect and administer your records, accounts and funds; to comply with federal and state laws and regulations; to help us design or improve our products and services; and to understand your financial needs. We also use this information to assist us in determining your eligibility for products.
No Disclosure Outside of Exceptions
Bank of New Jersey will never divulge any confidential customer information except as required to conduct normal business. We do not sell information about our customers or former customers to nonaffiliated third parties. There are certain circumstances in which disclosure of customer or former customer information is required and permitted by law. We may disclose information to third parties about your accounts or transactions you perform; (a) where it is necessary for completing transfers or transactions that you requested; (b) in order to verify the existence and condition of your account for a third party, such as a credit reporting agency or merchant; (c) in order to comply with government authorities or court orders; or (d) if you give us written authorization.
Confidentiality and Security
Each department of Bank of New Jersey maintains strict policies and procedures regarding customer information and data protection. Employee access to customer information is restricted to information necessary to perform their individual job function in the normal course of business. Employees are educated on the importance of maintaining confidentiality of customer information and employees who violate these principles are subject to disciplinary measures. There are established policies on data 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 forms of identifying information.
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. To ensure the accuracy of our records, we may need to contact you to resolve problems or to service your account. If you believe our records are inaccurate or incomplete, please let us know immediately. We will correct any inaccuracies as quickly as possible. Questions concerning your account records may be directed to the address and/or telephone number listed at the end of this document.
The Internet and E-mail
When you use the Internet to visit our website, bankofnewjersey.net, we may use a “cookie”. A “cookie” is a small piece of information that may be created when you visit a website, and may or may not be written to your computer’s hard drive. A cookie is a way for websites to recognize whether or not you have visited the site before, and can be used to gather information such as how many people visit the site, which pages they view and how often they return. The cookie we use is for security purposes only. It is written to your browser and expires once your internet session is terminated. No personal information is collected about you, nor can personal information be retrieved from your computer through the use through the use of the cookie. Our website provides access through links to products and services, some of which are through nonaffiliated third parties. We take every precaution to ensure that your banking sessions are performed in a secure environment through a secure server. Once you leave our website, you should review the security and privacy policies of the nonaffiliated third party. To maintain the security of your account information, we ask that you take the following precautions: (a) Do not share your User ID and/or password with anyone; (b) Change your password regularly; and (c) Remember to sign off after your session. If you choose to contact us by e-mail, please be aware that your e-mail address, and any other information your e-mail contains (i.e. your name or organization, your comments, etc.) will be revealed to us in the e-mail. E-mail is not transmitted through a secure server. When you send an e-mail to us, you should not include personal or confidential information. You may prefer to contact us at (201) 944-8600.
If any of the information in this notice is unclear or if you have any questions, please contact us at:
Bank of New Jersey
1365 Palisade Avenue
Fort Lee, NJ 07024