Cross River

Privacy Policy


Introduction
Cross River Bank knows that you expect privacy and security for your personal financial information. This privacy policy, is designed to inform you of the types of information we collect from our customers, how we use that information and the circumstances under which we will share it with third parties.

We Respect Your Privacy
Cross River Bank respects your privacy and is committed to treating your information responsibly. We believe many consumers appreciate receiving offers of products and services that may be useful to them. At the same time, we understand the need to safeguard sensitive information that you have provided to us. We treat our customer and our former customer information as described in this required notice.

Information Collection
Cross River Bank collects information about you that we reasonably believe will be necessary or useful in processing or administering the products and services you have requested from us, or in providing other opportunities that we think will be of interest to you.

We collect customer information from the following sources: (1) information we receive from you on applications or other forms, such as your name, address, social security number, assets and income, (2) information about your transactions with us, our affiliates or others, such as your account balance, payment history, and parties to transactions, debit card usage, and (3) information we receive from third parties, including consumer reporting agencies, such as your creditworthiness and credit history.

Our online services use features of your Internet browser called “cookies” and “flash objects”. Cookies and Flash Objects are files that are placed in your computer’s browser memory or placed on your hard drive. We may use these features on our web site or online banking service to verify your identity, remember personal settings including your preferences, to offer you additional options or enhance your online experience, and to improve our products and services. We also use them for marketing site personalization, and tracking of online applications and programs. Our server recognizes and records the domain name from which visitors to our site accessed the Internet and the names of the pages visited while at our site. It does not, however, collect and store your electronic mail address or other nonpublic personal information. Finally, we also may use cookies to track the effectiveness of advertisements for Cross River Bank products and services, referred to as banner ads that we may place on Cross River Bank web sites. Cookies used for tracking advertising effectiveness do not collect nonpublic personal or confidential information.

Information Sharing with Third Party Marketing Service Providers and Joint Marketers
Cross River Bank may disclose the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing arrangements. The third-party service providers who receive this information are required to use the information we share with them only to provide services to us, or as otherwise permitted by law.

Information Sharing
Other than as described above, Cross River Bank does not share customer information with any affiliated or nonaffiliated third parties except as permitted by law. An example of when Cross River Bank may share customer information as permitted by law would be to complete a transaction you requested, such as ordering a property appraisal as a part of your loan application. Another example would be reporting your annual interest, earned or paid, to the IRS.

Maintenance of Accurate Information
We have established procedures designed to ensure that your customer information is as accurate and complete as possible. If you believe that our records contain inaccurate or incomplete information about you, please notify us by calling toll-free at 1-877-55CRB55 or by sending a written inquiry to Cross River Bank c/o Online Banking Department; 885 Teaneck Rd., Teaneck, NJ 07666.

Confidentiality and Security
We restrict access of your customer information to those associates (persons employed by Cross River Bank) who have a business reason for knowing such information. We educate our associates about the importance of confidentiality and privacy of customer information.

We maintain physical, electronic and procedural safeguards that comply with federal standards to protect your customer information from unauthorized access.

In Summary
We appreciate your business and want you to understand our commitment to maintaining the privacy of your customer information, as expressed in this Privacy Policy. This Privacy Policy applies only to individual consumers and not to businesses. We reserve the right to amend the policy at any time. If you have questions, please contact Customer Service at 1-877-55CRB55.