CROSS RIVER BANK PRIVACY NOTICE
Privacy Notice
- Cross River Bank privacy notice: effective 11/2018, last updated 12/2024 Legal Rights & Agreement Rules
Effective Date: 11/2018
- Cross River Bank privacy notice: effective 11/2018, last updated 12/2024 Legal Rights & Agreement Rules
Last Update: 12/2024
- Cross River Bank privacy notice: effective 11/2018, last updated 12/2024 Legal Rights & Agreement Rules
FACTS
- Cross River Bank privacy notice: effective 11/2018, last updated 12/2024 Legal Rights & Agreement Rules
WHAT DOES CROSS RIVER BANK DO WITH YOUR PERSONAL INFORMATION?
- Cross River Bank privacy notice: effective 11/2018, last updated 12/2024 Legal Rights & Agreement Rules
Why?
- Why the notice exists: federal law requires disclosure and permits limited sharing Legal Rights & Agreement Rules
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
- Why the notice exists: federal law requires disclosure and permits limited sharing Legal Rights & Agreement Rules
What?
- Data collected and shared varies by product and includes identifiers and transaction records Data Access & Collection
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Data collected and shared varies by product and includes identifiers and transaction records Data Access & Collection
- Social Security number and Account balances
- Data collected and shared varies by product and includes identifiers and transaction records Data Access & Collection
- Payment history and Transaction history
- Data collected and shared varies by product and includes identifiers and transaction records Data Access & Collection
- Account transactions and Wire transfer instructions
- Data collected and shared varies by product and includes identifiers and transaction records Data Access & Collection
When you are no longer our customer, we continue to share your information as described in this notice.
- Information sharing continues after the customer relationship ends Retention & Deletion
How?
- The table separates sharing reasons, actual sharing and customer limits Sharing & Disclosure
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Cross River Bank chooses to share; and whether you can limit this sharing.
- The table separates sharing reasons, actual sharing and customer limits Sharing & Disclosure
Reasons we can share your personal information
- The table separates sharing reasons, actual sharing and customer limits Sharing & Disclosure
- Everyday business sharing: Cross River Bank shares and customers cannot limit it Sharing & Disclosure
- Cross River Bank shares for its own marketing and customers cannot limit it Sharing & Disclosure
- Joint marketing sharing is marked not limitable in the general table Sharing & Disclosure
- No affiliate sharing of transaction and experience information Sharing & Disclosure
- No affiliate sharing of creditworthiness information Sharing & Disclosure
- No sharing for nonaffiliates to market to the customer Sharing & Disclosure
Does Cross River Bank share?
- The table separates sharing reasons, actual sharing and customer limits Sharing & Disclosure
- Everyday business sharing: Cross River Bank shares and customers cannot limit it Sharing & Disclosure
- Cross River Bank shares for its own marketing and customers cannot limit it Sharing & Disclosure
- Joint marketing sharing is marked not limitable in the general table Sharing & Disclosure
- No affiliate sharing of transaction and experience information Sharing & Disclosure
- No affiliate sharing of creditworthiness information Sharing & Disclosure
- No sharing for nonaffiliates to market to the customer Sharing & Disclosure
Can you limit this sharing?
- The table separates sharing reasons, actual sharing and customer limits Sharing & Disclosure
- Everyday business sharing: Cross River Bank shares and customers cannot limit it Sharing & Disclosure
- Cross River Bank shares for its own marketing and customers cannot limit it Sharing & Disclosure
- Joint marketing sharing is marked not limitable in the general table Sharing & Disclosure
- No affiliate sharing of transaction and experience information Sharing & Disclosure
- No affiliate sharing of creditworthiness information Sharing & Disclosure
- No sharing for nonaffiliates to market to the customer Sharing & Disclosure
For our everyday business purposes- such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, or report to credit bureaus
- Everyday business sharing: Cross River Bank shares and customers cannot limit it Sharing & Disclosure
Yes
- Everyday business sharing: Cross River Bank shares and customers cannot limit it Sharing & Disclosure
No
- Everyday business sharing: Cross River Bank shares and customers cannot limit it Sharing & Disclosure
For our marketing purposes- to offer our products and services to you
- Cross River Bank shares for its own marketing and customers cannot limit it Sharing & Disclosure
Yes
- Cross River Bank shares for its own marketing and customers cannot limit it Sharing & Disclosure
No
- Cross River Bank shares for its own marketing and customers cannot limit it Sharing & Disclosure
For joint marketing with other financial companies
- Joint marketing sharing is marked not limitable in the general table Sharing & Disclosure
Yes
- Joint marketing sharing is marked not limitable in the general table Sharing & Disclosure
No
- Joint marketing sharing is marked not limitable in the general table Sharing & Disclosure
For our affiliates' everyday business purposes- information about your transactions and experiences
- No affiliate sharing of transaction and experience information Sharing & Disclosure
No
- No affiliate sharing of transaction and experience information Sharing & Disclosure
We don’t share
- No affiliate sharing of transaction and experience information Sharing & Disclosure
For our affiliates’ everyday business purposes- information about your creditworthiness
- No affiliate sharing of creditworthiness information Sharing & Disclosure
No
- No affiliate sharing of creditworthiness information Sharing & Disclosure
We don’t share
- No affiliate sharing of creditworthiness information Sharing & Disclosure
For nonaffiliates to market to you
- No sharing for nonaffiliates to market to the customer Sharing & Disclosure
No
- No sharing for nonaffiliates to market to the customer Sharing & Disclosure
We don’t share
- No sharing for nonaffiliates to market to the customer Sharing & Disclosure
Questions?
- Questions and more privacy information by phone or website Legal Rights & Agreement Rules
Call toll-free 1-877-55CRB55 or contact us at www.crossriver.com
- Questions and more privacy information by phone or website Legal Rights & Agreement Rules
WHAT WE DO
How does Cross River Bank protect my personal information?
- Security measures include computer, physical and procedural safeguards Security & Safeguards
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
- Security measures include computer, physical and procedural safeguards Security & Safeguards
How does Cross River Bank collect my personal information?
- Collection happens at account opening, loan applications, transactions and customer disclosures Data Access & Collection
We collect your personal information, for example, when you:
- Collection happens at account opening, loan applications, transactions and customer disclosures Data Access & Collection
- Open an account or apply for a loan;
- Collection happens at account opening, loan applications, transactions and customer disclosures Data Access & Collection
- Make deposits or withdrawals from your account or provide employment information;
- Collection happens at account opening, loan applications, transactions and customer disclosures Data Access & Collection
- Give us your contact information.
- Collection happens at account opening, loan applications, transactions and customer disclosures Data Access & Collection
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
- Cross River Bank also collects information from credit bureaus, affiliates and other companies Data Access & Collection
Why can't I limit all sharing?
- Federal law limits the customer's right to limit sharing to three categories Legal Rights & Agreement Rules
Federal law gives you the right to limit only:
- Federal law limits the customer's right to limit sharing to three categories Legal Rights & Agreement Rules
- sharing for affiliates’ everyday business purposes – information about your creditworthiness
- Federal law limits the customer's right to limit sharing to three categories Legal Rights & Agreement Rules
- affiliates from using your information to market to you
- Federal law limits the customer's right to limit sharing to three categories Legal Rights & Agreement Rules
- sharing for nonaffiliates to market to you
- Federal law limits the customer's right to limit sharing to three categories Legal Rights & Agreement Rules
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
- Federal law limits the customer's right to limit sharing to three categories Legal Rights & Agreement Rules
DEFINITIONS
Affiliates
- Affiliates are companies under common ownership or control Legal Rights & Agreement Rules
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Affiliates are companies under common ownership or control Legal Rights & Agreement Rules
- Cross River Bank does not share with our affiliates.
- Cross River Bank says it does not share with affiliates Sharing & Disclosure
Nonaffiliates
- Nonaffiliates are unrelated companies; sharing can include loan finance companies Sharing & Disclosure
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates are unrelated companies; sharing can include loan finance companies Sharing & Disclosure
- Nonaffiliates we share with can include loan finance companies.
- No sharing for nonaffiliates to market to the customer Sharing & Disclosure
- Nonaffiliates are unrelated companies; sharing can include loan finance companies Sharing & Disclosure
Joint marketing
- Joint marketing requires a formal agreement between nonaffiliated financial companies Sharing & Disclosure
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Joint marketing requires a formal agreement between nonaffiliated financial companies Sharing & Disclosure
- Our joint marketing partner(s) include loan finance companies.
OTHER IMPORTANT INFORMATION
For California Customers. We will not share personal information for joint marketing-without your authorization.
- California customers: no joint marketing sharing without authorization Sharing & Disclosure
For Nevada Customers. We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, please let us know by calling us at 1-877-55CRB55 or contact us at www.crossriver.com.
- Nevada customers: notice under Nevada law and a marketing-call opt-out Legal Rights & Agreement Rules
Additional information concerning our privacy policies can be found at www.crossriver.com or call 1-877-55CRB55.
- Questions and more privacy information by phone or website Legal Rights & Agreement Rules
For Vermont Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.crossriver.com or call 1-877-55CRB55.
- Vermont customers: no creditworthiness disclosure to affiliates Sharing & Disclosure
- Vermont customers: limits on marketing disclosures to nonaffiliated third parties Sharing & Disclosure