We think it is important for you to be informed of the policies, procedures and security measures we have in place to safeguard your personal and confidential information. We have developed this policy to help you to understand the steps we take to protect your personal information.
Online Privacy NoticeOur commitment to safeguard your privacy also extends to the Internet. If you are just browsing through our web site, we do not request any personally identifiable information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information such as when you send us an e-mail or complete an application online. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.
Our Internet financial services provider, Fiserv, may collect general information from Internet Banking and Portal visitors simply to help us provide banking and other financial services to you online. They collect certain information on our behalf for security and statistical purposes. The information collected for these purposes may include:
- The Internet address (referral site) which brought you to our web site;
- The date and time you accessed our site;
- The name and version of your web browser;
- The Internet service provider you used when you accessed our site;
- Your Internet Protocol (IP) address; and
- The pages visited in our Internet Banking site and Portal.
Internet Protocol (IP) Addresses
An IP address is a number that is automatically assigned to your computer whenever you are on the Internet. Web servers, the computers that "serve up" Web pages, automatically identify your computer by its IP address.
When collecting information for us, Fiserv does not link IP addresses to anything personally identifiable. This means that a user's session will be logged, but the user remains anonymous.
Fiserv may use IP addresses to audit the use of our site. They can and will use IP addresses to identify a user when necessary for security purposes.
What is a Cookie?
A cookie is a very small text file sent by a web server and stored on your hard drive, your computer's memory or in your browser so that it can be read back later. Cookies cannot "read" information about you from your computer or be used to "steal" information about you. Cookies do not carry viruses. Cookies are a basic way for a server to identify you (most cookies actually identify the computer you happen to be using at the time, not you personally). Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function when you engage in secure Internet Banking. For your security, we do not store any of your personal information in our cookies. The cookies used in our Internet Banking service and Portal are further described below.
Internet Banking Cookies
Fiserv uses encrypted cookies that do not pass to your computer's hard drive. Instead, the cookie is stored in your computer's memory, identifying only your computer while you are logged on. Only Fiserv can read the information in these cookies. This Internet Banking cookie allows Fiserv to process multiple transactions during your session without requiring you to reenter your pass code for each individual transaction. The cookies for Internet Banking simply provide another level of security for our Internet Banking service. When you log off, or close your browser, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity. It must then be renewed by reentering your pass code. Fiserv does not (and cannot) use this cookie to collect or obtain new personal information about you. You must allow your browser to accept this cookie so you can use the Internet Banking service.
Disclosure of Information
We do not disclose any nonpublic personal information about our customers, former customers, web site visitors or portal visitors to anyone, except as permitted by law.
We must provide certain customer account information to service providers such as Fiserv so that we may process your Internet banking transactions.
We do not sell any of your personal information.
In the future, we may disclose a portion of the aggregate customer information that we collect on the Portal to companies or financial institutions that perform marketing services on our behalf. We have such an agreement with Fiserv. Our contract requires Fiserv to protect the confidentiality of your personal information. The disclosure of certain aggregate information to Fiserv or other companies could help us market financial products and services that may be of particular interest to you or save you money. We will provide you an opt-in or opt-out notice if required by law.
In the future we may send you e-mail notices for certain disclosures if you choose to accept electronic disclosures or statements. We may also send you e-mails to market our products and services that may be of interest to you. We may also provide you an opportunity to subscribe to a newsletter; however, we will always provide you an opportunity to opt-in or opt-out of these advertising promotions if required by law. Fiserv may send these e-mails as an agent on our behalf.
External 3rd Party Links
With the exception of our service provider, Fiserv, we do NOT have access to the information collected by any third party, nor can we control how they use this information. If you have questions or concerns about the privacy policies and practices of these third parties, please review their web sites and contact them directly.
Privacy of Children
Kearny Federal Savings Bank respects the privacy of children. We do not knowingly collect names or any other personally identifiable information from children. We do not knowingly market to children nor do we allow children to open accounts without parental consent.
Maintaining this Policy
This policy will be reviewed based on changing business conditions or changes in any information sharing practices. Kearny Federal Savings Bank reserves the right to change this policy at any time and our customers will be notified in accordance with applicable laws and regulations.
If you have any questions or would like to send a comment or complaint about Kearny Federal's privacy practices, Internet Banking product or our web site, please contact us by writing to:
Kearny Federal Savings Bank
Attn: Craig L. Montanaro, President and CEO
120 Passaic Avenue
Fairfield, NJ 07004