Privacy Notice
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NJFCU Privacy Notice |
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North Jersey Federal Credit Union, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting your privacy. Under federal law, we are required to give you this privacy notice. It describes our credit union’s privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union. Information we collect about you We collect nonpublic personal information about you from the following sources:
We comply with Section 326 of the USA PATRIOT Act. This law requires that we collect and verify identification information from our members at the time a new account is opened. We may disclose all of the information we collect, as described above, only as permitted by law. How we protect your information At NJFCU, 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. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Furthermore, we train our employees in methods to detect identity theft to protect our member’s accounts. Internet security At North Jersey Federal Credit Union we are dedicated to maintaining a useful, informative and user-friendly web site for our members. You may visit our web site to read about our products, services and promotions and to obtain news or annual reports about us without providing any personal information about yourself. We ensure that our web site provides the maximum level of security to all of our online visitors. Our systems are protected by firewalls that protect unauthorized entry and we use proven technology and established procedures to provide a more secure experience for our members. For management of our site, some information is collected for statistical purposes and to identify unauthorized attempts to upload, change information or otherwise cause harm. Our web host utilizes small client-side files that reside on your computer, called cookies, to retain your preferred language and to log alerts we provide to you. No personal information is collected or used for analysis. If you do provide personal information via your computer such as your name, address, phone number and email address, the information will be available within your login session for printing purposes only and it will not be stored. Once we receive it directly from you we will not disclose it to external organizations unless it is required to conduct business you have authorized, to service and maintain your accounts, to protect against fraud or to comply with applicable law. This could include disclosure to credit bureaus, companies we work with to service and maintain your account, law enforcement and governmental agencies. All web links or other connections to other Internet web sites is solely for informational purposes to our members in the spirit of service to our community and is not to be construed as an endorsement or relationship other than what is plainly stated where and when such a connection is made. Parties who receive information from us NJFCU does not sell your nonpublic personal information to outside vendors. We may disclose nonpublic personal information about you to the following types of third parties:
We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow the instructions as you authorize, or protect the security of our financial records. Disclosure of information to parties that provide services to us In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize. To protect our member’s privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties. Disclosure of information about former members If you terminate your membership with North Jersey Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law. What members can do to help North Jersey Federal Credit Union is dedicated to protecting the privacy of its members. Members can help by following these simple guidelines:
If after reading this notice you have questions, please do not hesitate to contact us. We are here to serve you! Call toll-free, 888-786-5328, or write to: Compliance Officer North Jersey Federal Credit Union 711 Union Boulevard Totowa, New Jersey 07512 |
