Protecting the privacy and confidentiality of our customers’ personal information is of utmost importance to New York Community Bancorp, Inc. and its family of companies, including:
(Each and all of the above companies are individually and collectively referred to as “NYCB”, “our”, “us” or “we” in this notice.)
We value your business and the trust you put in us. To assist us in providing you the quality services and products that you request or to help meet your needs, we gather, maintain and use both public and nonpublic personal information about you on a routine basis. To assist you better in understanding how we use your personal information, we are providing you with the following statement describing our policies and practices with respect to the sharing of customer information. If your customer relationship with us terminates, or if you become an inactive customer, our privacy policy will continue to apply to you.
This policy applies to information we receive, collect, or disclose in connection with products and services you request or obtain for personal, family or household purposes. This policy does not apply to information we receive, collect, or disclose in connection with products and services you request or obtain for business or commercial purposes.
We collect nonpublic personal information about you from the following sources:
“Nonpublic personal information” means personally identifiable financial and other related information that is not available from public sources.
We may disclose all of the information that we collect, as described above, which includes, but is not limited to, the following kinds of nonpublic personal information:
We may disclose nonpublic personal information about you to affiliated and nonaffiliated third-party companies, which might include financial service providers (such as securities broker-dealers and insurance agents), retail businesses or direct marketers that we partner with, or other businesses that we believe can provide beneficial products or services to you. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted or required by law. We may also disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt-out of those disclosures, that is, you may direct us not to make those disclosures (other than those permitted or required by law). If you wish to opt-out of disclosures to nonaffiliated third parties, you may call the following toll-free numbers: 1-888- 696-4444 for AmTrust Bank and Ohio Saving Bank divisions of New York Community Bank; 1-877-786-6560 for all other divisions of New York Community Bank, 1 800-535-2269 for New York Commercial Bank, or 1-800-526-2470 ext. 255 for Standard Funding Corp. Your election to opt-out will apply to all nonpublic personal information we have about you relating to or arising from products and services you request or obtain for personal, family or household purposes. If you have a joint account with one or more other individuals, an opt-out election sent by any one individual will apply to all nonpublic personal information we have about each of the owners of that joint account, relating to or arising from products and services any of those owners requests or obtains for personal, family or household purposes. If you choose to opt-out you may not receive certain information on products or services that may be of interest to you. The Fair Credit Reporting Act also allows you to opt-out from NYCB sharing non-transaction or other information (such as consumer credit report information) with affiliates. To opt-out please call the number(s) above.
Notice to California Residents Only: You do not have to call us to opt-out of disclosures to nonaffiliated third parties if (and while) you reside in California. If (and while) you reside in California, we will consider you to have automatically opted-out from NYCB disclosing nonpublic personal information about you to nonaffiliated third parties, other than those disclosures permitted or required by law, and other than certain disclosures to companies we do business with to provide financial products and services. Please see the “Notice to California Residents” section, below, for additional important information about limitations on sharing nonpublic personal information about you with and among our affiliates, and about important privacy choices available to California residents.
Notice to Vermont Residents Only: You do not have to call us to opt-out of disclosures to nonaffiliated third parties if (and while) you reside in Vermont. If (and while) you reside in Vermont, we will consider you to have automatically opted-out from NYCB disclosing nonpublic personal information about you to nonaffiliated third parties, other than: (1) those disclosures permitted or required by law; and (ii) other than disclosure of “Transaction Data” (as defined above) to our service providers and our joint marketing partners.
If (and while) you reside in Vermont, we will only share “Transaction Data” (as defined above) with our service providers, our joint marketing partners, and as otherwise required or permitted by law. Sharing of any “Third Party Data” (as defined above) with nonaffiliated third parties will generally require your consent (unless such sharing is otherwise required or permitted by law).
We understand that the protection of your nonpublic personal information is of the utmost importance. We restrict access to nonpublic personal information about you to those employees who have a business need to know the information, such as to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Our employees are educated on the importance of maintaining the confidentiality of customer information.
