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Privacy Policies
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Safeguarding Your Information
Our policy for protecting the confidentiality of our customers' nonpublic personal information is achieved through the establishment of administrative, technical and physical safeguards. Our employees are governed by our policies that include their responsibility to protect the confidentiality of our customers' nonpublic personal information. Employees are authorized to access or use the information we collect only in the discharge of their assigned duties. Employees, Management and all members of the Board of Directors who violate these privacy standards are subject to disciplinary measures. We employ stringent security measures in maintaining the security and confidentiality of information submitted on our internet site. On-line access to your accounts is provided through a secure site. Secure Web browsers support encryption technology, which helps prevent unauthorized users from viewing your account information as it travels over the internet. We practice the same measures of securing your personal information regardless of whether it is obtained on the internet or in person.

Cookies
During your use of the Service, our Internet banking Service Provider will pass an encrypted cookie to your computer in order to identify your computer during the session. This cookie enables us to process multiple transactions during the session without having to provide an Access ID and Passcode for each individual transaction. Users must accept this cookie to use the Service. This cookie does not contain any personal information; it simply provides another level of security for our Internet banking product. The cookie is stored on your computer’s hard-drive, identifying your computer while you are logged on. When you log off, close your browser, or turn off your machine, the cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. A cookie is a very small text file placed on your hard drive by a Web Page server. It is essentially your identification card, and cannot be executed as code or deliver viruses. It is uniquely yours and can only be read by the server that gave it to you.

Why are cookies used?
The purpose of a cookie is to tell the server that you returned to that Web page. Each time you use your computer to access that same website, the information that was previously received is sent back to the website by your browser. Most commonly used browsers support the use of cookies. Generally, for those of us that access the Internet through a public ISP, each request we make to a website cannot be linked to a previous request, as each request does not contain a permanent unique identifier. Cookies allow website operators to assign a unique permanent identifier to a computer which can be used to associate the requests made to the website from that computer.

Cookies and Privacy
Although there has been some debate over the privacy implications of cookies, it is important for you to know that cookies do not read your hard drive. In addition, cookies are unique to servers and are not shared among webservers. If you do not wish to receive cookies, you can set your browser to alert you of a cookie being offered or to reject all cookies, or erase some or all cookies already present on your computer. You can also turn cookies back on if your login is not recognized. Just go to the help function on your browser for complete instructions. We do not recommend disabling cookies, as you may not be able to login or use basic features on our websites. Erasing all cookies already present on your computer may also affect browsing on other websites.

Are cookies dangerous to your computer?
No. Presently, there are no known cases of cookies being used to introduce or spread computer viruses. Technically, a cookie cannot be used to access your hard drive. Your browser may save cookie values to your hard drive, but that is the limit of the effect on your computer system.

Information We Collect
We limit the collection and use of information about our customers to data that are necessary to administer our business, provide superior customer support, and offer bank services that are of interest to our customers. The bank will collect and use information to help identify and mitigate potential risk or loss, as well as identify additional bank products or services that we believe our customers might want to know about. We collect information as necessary to provide our customers their requested services from such sources including application forms, interviews, transactions from banking activity (known as experience data), credit agencies, government sources, public records, and current and previous employers. The type of information we collect depends upon the services being requested by the customer, but may include the following type of personally identifiable information: Contact Information (name, address, telephone number), Employment Information, Transaction (experience data), Social Security Number, Income, and Credit or Debit obligations.

How We Share Information
To protect customer privacy, we carefully control the way in which information is shared. We share information concerning a customer's account history and experiences within the bank. Bayonne Community Bank DOES NOT disclose nonpublic personal information about you to any outside organization other than for the support or promotion of the bank products and services or as required by law. These organizations may include (but are not limited to) non-affiliated third parties, other financial institutions, government agencies, consumer rating agencies, and third party litigants. The type of information we share depends on the services provided, but may include the following type of nonpublic personal information: Contact Information (name, address, telephone number), Employment Information, Transaction (experience) data. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy position disclosed in this notice.

Maintaining This Policy
This policy will be reviewed based on changing business conditions or changes in our information sharing practices. Bayonne Community Bank reserves the right to change this policy at any time and our customers will be notified in accordance with applicable laws and regulations.

External Third Part Links
Our website has links to other 3rd party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. WE ARE NOT RESPONSIBLE FOR THE PRIVACY AND SECURITY PRACTICES OR THE CONTENT OF LINKED 3RD PARTY SITES. Third party merchants may collect personal information from you when you visit their websites. For example, they collect personal information from you when you provide billing information or send them an email. Some third party merchants may also send you a cookie to collect data on your Internet usage and preferences. When you click on advertisements at third party sites, the advertising company may also send you a cookie. WITH THE EXCEPTION OF OUR SERVICE PROVIDER, FUNDSXPRESS, 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 ANY QUESTIONS OR CONCERNS ABOUT THE PRIVACY POLICIES AND PRACTICES OF LINKED THIRD PARTIES, PLEASE REVIEW THEIR WEBSITES AND CONTACT THEM DIRECTLY.


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