North Jersey Federal Credit Union collects nonpublic personal information about you from the following sources:
* Information we receive from you on applications or other forms;
* Information about your transactions with us, our affiliates, or others; and
* Information we receive from consumer reporting agencies.

Internally, we restrict access to this information to those employees who need to know it to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard this information.

From time to time, we may disclose nonpublic personal information, as permitted by law, to affiliates or companies that perform marketing or other transactional or operational services on our behalf or other financial institutions with whom we have joint marketing agreements. We limit our disclosures to those permitted by law without advance notification to you.

We require the parties with whom we share this information to maintain its confidentiality.

We do not disclose information on members or former members, beyond what is permitted by law or required by marketing or servicing agreements.