Internet Privacy Notice

Kearny Federal Savings Bank recognizes the importance our customers place on privacy and the security of their personal information. Our goal is to protect your personal information in every way that we interact with you, whether it is on the telephone, in person, on the Internet, by e-mail, by mail or by any other means of communication.

We think it is important for you to be informed of the policies, procedures and security measures we have in place to safeguard your personal and confidential information. We have developed this policy to help you to understand the steps we take to protect your personal information.

How We Collect Information

As part of providing financial products or services, we may obtain information about our customers and consumers from the following sources:
  • Information we receive from you on applications, e-mails or other forms;
  • Information you provide when you choose to customize the Portal;
  • Information about your transactions with us, our affiliates and others;
  • Information we receive from a consumer-reporting agency; and
  • Information that is generated electronically when you visit our web site; use our Internet Banking and Portal services.

Accuracy

Kearny Federal Savings Bank strives to keep customer information accurate and current. If you find or believe that any information in the possession of Kearny Federal Savings Bank is inaccurate, incomplete or outdated, please notify the Bank by e-mail or in writing. Please include your name and address as it appears on your account statement, specify information you believe to be inaccurate and include accurate information. Kearny Federal Savings Bank will correct any erroneous information in a timely manner.

Security

This financial institution has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information to a "need to know" basis. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee privacy responsibilities. We offer secure e-mail through our Internet Banking service. You should use the secure e-mail service anytime you send us sensitive personal information.

Our Internet Banking service provider, FundsXpress Financial Network, Inc. (FundsXpress), has also developed security policies and procedures to protect the customer information that they must collect and maintain to help us process your banking transactions over the Internet. They have developed a sophisticated security system to ensure your customer information is protected on the Internet and within the FundsXpress environment. For more information on the FundsXpress security measures, please visit their web site at www.fundsxpress.com.

Privacy for Internet Users

Our commitment to safeguard your privacy also extends to the Internet. If you are just browsing through our web site, we do not request any personally identifiable information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information such as when you send us an e-mail or complete an application online. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.

Our Internet financial services provider, FundsXpress, may collect general information from Internet Banking and Portal visitors simply to help us provide banking and other financial services to you online. They collect certain information on our behalf for security and statistical purposes. The information collected for these purposes may include:
  • The Internet address (referral site) which brought you to our web site;
  • The date and time you accessed our site;
  • The name and version of your web browser;
  • The Internet service provider you used when you accessed our site;
  • Your Internet Protocol (IP) address; and
  • The pages visited in our Internet Banking site and Portal.

Internet Protocol (IP) Addresses

An IP address is a number that is automatically assigned to your computer whenever you are on the Internet. Web servers, the computers that "serve up" Web pages, automatically identify your computer by its IP address.

When collecting information for us, FundsXpress does not link IP addresses to anything personally identifiable. This means that a user's session will be logged, but the user remains anonymous.

FundsXpress may use IP addresses to audit the use of our site. They can and will use IP addresses to identify a user when necessary for security purposes.

What is a Cookie?

A cookie is a very small text file sent by a web server and stored on your hard drive, your computer's memory or in your browser so that it can be read back later. Cookies cannot "read" information about you from your computer or be used to "steal" information about you. Cookies do not carry viruses. Cookies are a basic way for a server to identify you (most cookies actually identify the computer you happen to be using at the time, not you personally). Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function when you engage in secure Internet Banking. For your security, we do not store any of your personal information in our cookies. The cookies used in our Internet Banking service and Portal are further described below.

Internet Banking Cookies

FundsXpress uses encrypted cookies that do not pass to your computer's hard drive. Instead, the cookie is stored in your computer's memory, identifying only your computer while you are logged on. Only FundsXpress can read the information in these cookies. This Internet Banking cookie allows FundsXpress to process multiple transactions during your session without requiring you to reenter your pass code for each individual transaction. The cookies for Internet Banking simply provide another level of security for our Internet Banking service. When you log off, or close your browser, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity. It must then be renewed by reentering your pass code. FundsXpress does not (and cannot) use this cookie to collect or obtain new personal information about you. You must allow your browser to accept this cookie so you can use the Internet Banking service.

Disclosure of Information

We do not disclose any nonpublic personal information about our customers, former customers, web site visitors or portal visitors to anyone, except as permitted by law.

We must provide certain customer account information to service providers such as FundsXpress so that we may process your Internet banking transactions.

We do not sell any of your personal information.

In the future, we may disclose a portion of the aggregate customer information that we collect on the Portal to companies or financial institutions that perform marketing services on our behalf. We have such an agreement with FundsXpress. Our contract requires FundsXpress to protect the confidentiality of your personal information. The disclosure of certain aggregate information to FundsXpress or other companies could help us market financial products and services that may be of particular interest to you or save you money. We will provide you an opt-in or opt-out notice if required by law.

E-mail Policies

In the future we may send you e-mail notices for certain disclosures if you choose to accept electronic disclosures or statements. We may also send you e-mails to market our products and services that may be of interest to you. We may also provide you an opportunity to subscribe to a newsletter; however, we will always provide you an opportunity to opt-in or opt-out of these advertising promotions if required by law. FundsXpress may send these e-mails as an agent on our behalf.

External 3rd Party Links

There are six third party links on our web site. The Insurance Products link will take you to an SBLI site. Be sure to check the privacy policy of SBLI for information about their use of cookies and the personal information they may collect as you are subject to their policies when you visit their site. The Investor Relations link is to SNL Financial LC web site which only provides current and historical market information. The GenGold® Identity Theft Program link will take you to Identity Theft Protection & Security Center, a complimentary benefit for GenGold® members. We also have links to Google maps, weather.com and the Federal Deposit Insurance Corporation (FDIC).

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 questions or concerns about the privacy policies and practices of these third parties, please review their web sites and contact them directly.

Privacy of Children

Kearny Federal Savings Bank respects the privacy of children. We do not knowingly collect names or any other personally identifiable information from children. We do not knowingly market to children nor do we allow children to open accounts without parental consent.

Maintaining this Policy

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

Questions

If you have any questions or would like to send a comment or complaint about Kearny Federal's privacy practices, Internet Banking product or our web site, please contact us by writing to:
Kearny Federal Savings Bank
Attn: John N. Hopkins, CEO
120 Passaic Avenue
Fairfield, NJ 07004