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Legal & Privacy Policy
Approved by the Board of Directors: April 22, 2008
New Millennium Bank acknowledges the importance of protecting any information that you might provide to us during the course of establishing, applying for, or inquiring about banking relationships. We also concur with our existing and former customers who wish to keep nonpublic personal information about themselves safeguarded.
Our commitment to you is as follows: Information that you give to us will be retained by us. This information will not be sold to others outside of the Bank. We will use the information which you have given us to provide you with the products or services that you have requested. The furnishing by us of such products or services may necessitate the transmission of nonpublic personal information about you to reputable third party vendors such as credit bureaus and check printing vendors. New Millennium Bank requires that these third parties maintain the same high degree of confidentiality and privacy that we do. They are not permitted to release, use for their own purposes, or sell any customer information we send them to any other party. Information about you will not be otherwise shared with others outside of New Millennium Bank unless we first give you the opportunity to decline such sharing (“opt out”), or unless we are legally compelled to do so.
Categories of Information That We Collect
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us or others; and
- Information we receive from a consumer reporting agency
We do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
Employee Access
New Millennium Bank’s employees have access to only that information about accounts required for them to successfully manage customer relationships. Without such access personalized customer service would be impossible. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
e-Commerce
The e-mail address from which you send us any message will be retained by us. We will use any information contained in that e-mail message only to accomplish the specific goals or information you request. Should you fill out a form on our website we will retain the content of the form and our response.
General Use of Cookies
A cookie is a piece of data stored by each User's browser that contains information about the user of a computer. Cookies help Web sites recognize return visitors. When you return to a Web site you visited before and that Web site uses cookies, your browser gives this data back to the Web site's server. Contrary to reports about cookies and online privacy, cookies do not contain viruses and most cannot reveal any Personally Identifiable Information about you unless you willingly provide it as a user on a Web site. You will find that cookies are an industry standard and are used at most major Web sites in much the same way we use them here at New Millennium Bank. You can learn most everything there is to know about cookies at www.cookiecentral.com. We also encourage you to read the privacy policies of all Web sites you visit before you accept cookies from these Web sites. You can set your browser to reject or to accept cookies. You have the option to reject cookies when you are just browsing the Web and accept cookies when you want to use the Products.
New Millennium Bank's Use of Cookies
Each Product places a cookie on the hard drive of each User's computer. If a User rejects any cookie offered by a Product, that User may not use the features of the Product. New Millennium Bank stores your User ID in your cookie. New Millennium Bank uses your cookie to make your experience with the Products more efficient and effective. For instance, by setting a cookie for a Product on a User's hard drive, the User does not have to log in to the Product more than once, which saves time. Setting cookies also enables New Millennium Bank to track and target the interests of Users.
Account Information Accuracy
Should you wish to review, update or correct any information specific to an account relationship or financial service, you should direct such inquiries to our nearest branch. You can also contact us via e-mail (information@nmbonline.com) and we will be happy to forward to you any necessary forms or information.
Opting Out
Should we become aware of a product or service that we can not provide that would be a benefit to our customers and can be provided by an external agency, we will notify you of our plans to have the product offered to you. You may opt out of any such or all such offerings by calling us 732.729.1100, or notifying us in writing (New Millennium Bank, 57 Livingston Avenue, New Brunswick, NJ 08901 Attn: Branch Manager), or sending us an e-mail (information@nmbonline.com).
Information Reported to Consumer Reporting Agencies
Under the Fair Credit Reporting Act you have the right to notify us if you believe we have reported inaccurate information about your account to any Consumer Reporting Agency. Such notices should only be sent in writing, and include your complete name, current address, social security number, telephone number, account number, and type of account. The specific item that you are questioning must be clearly identified, and you must state the reason why you believe the item to be in error. Send such notices to: New Millennium Bank, 57 Livingston Avenue, New Brunswick, NJ 08901 Attn: Loan Operations. We will investigate your concerns, correct any inaccuracies, and advise you of the actions we have taken.
Surveys and Promotional Activities
From time to time New Millennium Bank may request information from Users via voluntary participation in promotional or market research activities. The information that we request may include contact information (such as name and business address), and demographic information (such as zip code and age level).
Notifications
We will send you notices at least once a year, for as long as you have an active account, as reminders of our desire to protect your information.
Contact Us
If you have any further questions regarding New Millennium Bank’s Privacy Policy or if you would like more information, please e-mail us at information@nmbonline.com, contact us at 732.729.1100 or write us at 57 Livingston Avenue, New Brunswick, New Jersey 08901. You may also stop by any branch and speak with one of our Officers.
We reserve the right to change this policy at any time by posting a new Privacy Policy.