Protecting your privacy is important to Union Center National Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Union Center National Bank employees for collection, use, retention and security of non-public personal information.
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What Information We Collect
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We collect information from and about you in order to identify you as our customer, establish and manage customer accounts, complete customer transactions, understand customer needs through market research, market products and services we believe meet customer needs, and comply with legal and regulatory requirements.
Examples of the types of non-public personal information we collect are information we receive from you, such as:
- Contact information, such as name address, and telephone number. We use contact information, for example, to identify you, send you information about our products and services, and call or write you about your accounts.
- Identification information, such as social security number. We may need your social security number, for example, to obtain a credit report when you apply for credit with us, report interest earnings or mortgage interest payments to the IRS, or to comply with other legal requirements.
- Financial profile information, such as income, assets, liabilities. We use this information, for example, to process applications and make appropriate product and service recommendations to help you get the most from your relationship with us.
- Information about your transactions and experiences with us. This information, such as your account balances, payment or overdraft history, parties to transactions and account usage, permits us for example, to process your requests quickly and recommend appropriate products and services.
- Information about your transactions with other companies. We may use this information, for example, when you apply for credit.
- Information about you from consumer reporting agencies, such as your credit history and credit worthiness. We use this information when, for example, we process applications, monitor and collect existing accounts.
- Information from market research companies, such as property value and home ownership. We use market research information, for example, to develop products we believe our customers will find most useful.
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What Information We Disclose
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We are permitted under law to share information about our experiences or transactions with you or your account (such as your name, address, telephone, social security number, account balances and your payment history with us) with companies related to us by common control or ownership ("affiliates"). This sharing of information allows us to design and improve products and services to our customers.
We also are permitted under law to disclose non-public personal information about you to "non-affiliated third parties" (i.e. third parties that are not members of our corporate family) in certain circumstances. For example, we may disclose non-public personal information about you to such third parties to assist us in servicing your loan or account with us; to government entities in response to subpoenas; and to credit bureaus.
In addition, we may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing arrangements:
- Information we receive from you on your applications or other forms, such as your name, address, social security number, assets and income.
- Information about transactions with us, our affiliates or others, such as your accounts balance, payment history and parties to transactions.
- Information we receive from credit bureaus, such as your creditworthiness and your payment history.
Before we disclose customer information to any service provider, we require a contractual agreement to protect the confidentiality of our customer information.
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
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Our Security Procedures
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We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information.
If you should have any questions about this privacy policy, please call 1•800•U•N•CENTER or write to us at:
Union Center National Bank
Attn. Compliance Department
2003 Morris Avenue
Union, NJ 07083
Rev. August 2006
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Union Center National Bank web site privacy policy
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Union Center National Bank respects your privacy. Through our Web site (www.ucnb.com), we strive to provide valuable information to you about how we may serve you. Whether you are a valued existing customer or someone shopping for new banking services, we hope our site answers your questions about our products and services, locations, and hours. If at any time you wish to contact us regarding this Web site, you may do so by writing to the following address:
Union Center National Bank
Attention: Marketing Department
2003 Morris Avenue
Union, NJ 07083
1-800-U-N-CENTER
We do not gather information on individual users on our Web site. We do collect and store information about the name of the domain from which you access the Internet, such as Compuserve.com or AOL.com, the date and time you access our site, and the Internet address of the Web site from which you linked to us. Other than that, we collect information on visitors only in the aggregate and use it for internal review purposes only. This information simply enables us to tell which areas of the site are of the most interest to our users, which avenues of the site promotion are most effective, and when peak usage times are.
Our Web site does not require you to disclose any personal identifying information. If, however, you choose to contact us via e-mail, please understand that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.
A cookie is a way for web sites to recognize whether or not you have visited the site before. It is a piece of data given to a browser by a web server and handed back to the browser on subsequent visits. Cookies are used to estimate our audience size. Each browser accessing our site is given a unique cookie, which is then used to determine whether a user is a first-time visitor or a return visitor. This helps us deliver better service by helping us understand whether the majority of those accessing the site are new or repeat visitors.
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Online Banking & Bill Payment Service
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Established Security Procedures to Protect Customer Information
There are Bank wide policies on data security relating to mainframe (database) access and personal computer use. In all forms of access to customer information, whether in person, telephone, ATMS, the Internet, etc., there are strict procedures in place to ensure that a customer's identity is verified prior to providing any information, whether through personal passwords, or other form of identifying information. Our Web site: UCNB.com provides access through links to many products and services, some of which are offered through nonaffiliated third parties. Once you leave our web site, you should review the security and privacy policies of the nonaffiliated third party.
You can bank with confidence on our Web site. We take every precaution to ensure that your banking sessions are performed in a secure environment through a secure server. Our Web site provides secure communication and has a valid certificate. Secure communication means that information you provide and transmit over the Internet, such as your account number or other personal information, is encrypted using the highest level of 128-bit encryption so that it cannot be intercepted and read by other people. The certificate is a statement guaranteeing the security of the Web site and contains information that a specific Web site is authentic. This ensures that no other site can assume the identity of the original site. We also require an Access ID and password to access the UCNB Online system. To maintain the security of your account information, we ask that you take the following precautions:
- Do not share your Access ID and/or password with anyone. If you do, you are authorizing the Bank to perform transactions for that person, just as if you requested it. Bank employees will never ask you for your password. If you believe someone has obtained your Access ID and/or password, contact us immediately at 1-800-U-N-CENTER.
- Change your password regularly.
- Remember to sign off after your session.
We reserve the right to change this policy at any time by posting a new privacy policy.
Union Center National Bank
2003 Morris Avenue
Union, NJ 07083
1-800-U-N-CENTER
Rev. August 2006
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