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Community Bank of
Ridgewood is
committed to maintaining the privacy of your personal information.
Increasing amounts of customer information is collected in today's
marketplace, and sometimes shared among various businesses. Customers
want and deserve the right to protect themselves from any unwanted
intrusion or use of their personal data. We are sensitive to these
concerns, and want our customers to be confident that their relationship
with the Bank is treated with the utmost confidentiality. We take
all reasonable precautions to protect the privacy of the information
shared with us, and our customers are further protected by existing
state and federal laws. |
Safeguards on Personal Information
Access to personal data
is permitted only to those employees who need it to provide products
or services to you. Safeguards are in place, both physical and
electronic, that comply with federal standards of protection regarding
your personal information. |
Information We Collect
Nonpublic
personal information about you is collected in the following
manner:
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Information
received on applications or other forms |
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Information concerning
your transactions with us |
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Information received
from a consumer reporting agency Internal procedures
and controls ensure personal and account information
is accurate, current and complete in accordance with
existing business standards. |
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We have also established procedures to correct
any inaccurate information in a timely manner. Please notify us
immediately if you detect incorrect personal information. |
Personal Information We Disclose
We do not disclose
information about our customers, past or present, except as outlined
in this policy or as permitted or required by law. Under the Fair
Credit Reporting act we are allowed to share our information concerning
your account history and transaction experience between any affiliated
companies, but we do not share information between our affiliates
that was provided to us by third parties (such as a credit bureau
report or employment history) without your express permission.
From time to time we find it necessary to enter into an arrangement
with an outside company to provide support services for our company
(imprinted checks, printing and mailing loan coupon books, on-line
banking, etc.). These companies are contractually required to observe
the same standards of privacy and confidentiality They are not
allowed to use your information for their own marketing purposes
or for any other intended services. In order to provide you with
quality products and services, we will occasionally enter into
joint marketing agreements with respectable companies to provide
products on our behalf (such as credit cards or insurance). We
may disclose to these companies information we receive from your
application such as your name, address, assets or income. We may
also share information about your transactions with our affiliates
or us. Again, any partners must agree to strictly safeguard your
information, and they are not allowed to disclose your information
to anyone else without our permission. In accordance with standard
banking industry practices and the Fair Credit Reporting Act, we
share customer information with reputable consumer reporting agencies.
We also disclose information as permitted or required by federal
and state laws, such as in response to a subpoena or court order.
Except as described above, we do not share customer information
with anyone unless you expressly authorize or request it in writing.
Our policy for protecting customer information applies to both
former and current customers, and regardless of whether your account
is active or inactive. |
Notify Us of Inaccurate Information
We Report To Consumer Reporting Agencies
Please notify us if we report any inaccurate
information about your account(s) to a consumer reporting agency. |
Your privacy on our website
is also very important to us.
When you sign up for Internet Banking or Internet Bill Payment,
we will request personal information about you and your accounts
with us. This allows us to process your request accurately and
ensure that an unauthorized individual does not access your accounts.
We have safeguards in place to ensure that this information is
protected and that our website is secure. If you have questions
about this privacy policy, please contact us and we will be happy
to discuss them with you.
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