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Privacy Policy

What does NCB do with your Personal Information?

 

Why?

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.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and transaction history
  • Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How?

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 NCB chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does NCB share?

Can you limit this sharing?

For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

YES

NO

For our marketing purposes— to offer our products and services to you

YES

NO

For joint marketing with other financial companies

YES

NO

For our affiliates’ everyday business purposes— information about your transactions and experiences

NO

We don't share

For our affiliates’ everyday business purposes— information about your creditworthiness

NO

We don't share

For non-affiliates to market to you

NO

We don't share

 

Who we are

Who is providing this notice?

National Cooperative Bank, N.A. and its parent, the National Consumer Cooperative Bank (together NCB)



What we do

How does NCB protect my personal information?

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 restrict access to non-public personal information about our customers and educate all employees about the importance of confidentiality and customer privacy.



How does NCB collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.



Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.



Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include National Consumer Cooperative Bank, a financial institution established by Congress, and National Cooperative Bank, N.A., a national bank.



Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

NCB does not share information with non-affiliates so that they can market to you.



Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners can include but may not be limited to credit card companies or other financial services companies.



Online Privacy Policy 

Use of Cookies

We use “cookies” to provide you with a better online experience. A cookie is a small text file that can be placed on your system when you visit a website. Cookies are small pieces of information that a Web site stores on a visitor's Web browser to remind the site about the visitor the next time they visit the site. Our Site does not require users to accept cookies, and you can set your browser to notify you when you receive a cookie, giving you the opportunity to decide whether or not to accept it.

Cookies cannot be used to capture your e-mail address, obtain data from your hard drive or gain confidential or sensitive information about you. Additionally, cookies cannot be read by a Web site other than the one that set the cookie. Some Web sites, however, use cookies to obtain information from your browser. You can set your browser to notify you before accepting a cookie, so that you can control whether you accept or reject a cookie. You will need to manage your cookie settings for each device and browser you use. Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preference.

Tracking and Online Advertising

NCB uses third party advertising to serve ads on our behalf across the Internet and to help manage and optimize our Internet business and communications. Through the use of cookies and Action Tags (commonly referred to as Web beacons or GIF tags), which are inserted in various places within our Web site, such third party companies may collect anonymous information about your visits to the NCB website and your interaction with our ads and content. For instance, they may keep track of how many of our ads you have seen on other web sites before visiting our Web site. This information is used to understand your browsing behavior and interests so that we can identify your financial needs and provide service and advertising that is tailored to you.

Some of our ads on third-party websites feature an Advertising Options Icon, that when clicked, (i) describes the collection and uses of data gathered at the relevant third-party website and (ii) provides a way for you to opt out of data collection and use by the third parties listed for the purposes of OBA. If you choose to opt out, you may opt out by visiting www.aboutads.info/choices or by clicking on the AdChoices icon in an advertisement and following the instructions. You may also opt out of receiving behavioral ads from many sites through the Network Advertising Initiative's (NAI) Opt-Out Tool http://optout.networkadvertising.org.

Please note that because cookies are stored by your browser, if you use different browsers on your computer, or multiple computers and devices that have browsers and you do not wish to have cookies collect information for OBA purposes, you will need to opt out of OBA from each browser on each of the computers and devices that you use. Please note that even if you opt out of OBA, you may still receive advertisements from us; they just won’t be customized.

Controlling Cookies

Visit the Federal Trade Commission to learn more about how to limit tracking and online advertising through controlling cookies and other tracking technology that is attached to your browser.

Social Media

National Cooperative Bank maintains information on social media sites like Facebook, Instagram, Twitter, and LinkedIn. When you post information on NCB’s social media pages it will be subject to the privacy and security conditions of the social media site. When you log into NCB owned social media properties, we collect information about your activities on those properties. The information we review includes whether you visited or commented on a post.

 

Email Choices 

Under various federal and state laws and regulations, customers and visitors may choose not to receive promotional email or electronic newsletters from us by following the "unsubscribe" or "remove" instructions in the specific email from which they wish to opt-out.

Children's Online Privacy Protection Act Information

This Website is not directed to children. We do not market to children, nor do we knowingly collect or retain personally identifiable information from children.

Security Practices

We continually review our security safeguards in order to protect customer and visitor information that we gather, transmit, and store in connection with our Website. Please see the security section under our "Privacy Policy and Security" links on our Website for additional information on how we protect your information as well as steps you can take yourself to enjoy a safe and secure online experience.

Remember to educate yourself on scams and threats and to maintain your computer operating system and data security software up to date. We will never request that you provide, update or verify via email your personal or account information, including passwords, Social Security Number and PIN(s).