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CUSTOMER PRIVACY STATEMENT
GCF Bank is committed to protecting the privacy of our customers. The foundation of each customer relationship at GCF, many of which span generations, is trust. We value your business and strive to preserve the trust you place in us. GCF Bank recognizes and respects your expectation that your personal financial information remains confidential and secure. The employees and representatives of GCF Bank are committed to protecting your privacy.
The purpose of this statement is to outline the privacy standards and procedures utilized by GCF Bank, which are intended to protect your privacy, for the collection, use, retention and safeguarding of non-public personal information.
Information We Collect, Use and Retain
GCF Bank may collect, use or retain non-public personal information about you from:
- Applications or other forms completed by you, for example, to open a deposit account or obtain one of our loan products.
- Consumer Reporting Agencies, for example, information regarding credit and checking account histories.
- Your transactions with us, for example, your account balances, payment history and overdraft history with us.
SAFEGUARDING YOUR NON-PUBLIC PERSONAL INFORMATION
Limiting Employee Access to Information
Employee access to customer information is limited to those employees who have a business reason to know such information. Employees understand that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the best service available. Employees are educated that discussing non-public personal information or leaving non-public personal information in the public's view is not permissible.
Data Access Security
We maintain physical, electronic and procedural safeguards that comply with federal standards. We maintain strict security procedures and policies regarding the unauthorized access to customers' personal and financial information. We review our technology and security standards regularly to ensure we maintain the highest standards for securing your privacy. All of our operational and data processing systems exist in a secure environment. These systems are tested regularly to make sure they work.
Security Policies and Procedures
We maintain internal policies and procedures to protect the security and the confidentiality of your non-public personal information.
Maintenance of Accurate Information
We have established procedures to ensure that all information provided to us is accurate, current and complete in accordance with reasonable banking standards. We will promptly respond to requests to correct inaccurate information.
Ending Customer Relationships
If you elect to end your customer relationship with us or if we end our customer relationship with you, we will handle the information we have about you as if you were still our customer.
Restrictions on the Disclosure of Your Non-Public Personal Information
GCF Bank does not disclose non-public personal information about our current or former customers to anyone except as authorized by you or as required by any state or federal law, which obligates us to disclose the information.
Disclosure of Information to Provide Services
GCF does not and will not sell or provide personal or financial information to third parties for independent use except as required by law or when permitted by you. However, we may share personal and financial information with business partners, if that information is required to provide the product or service that you have requested. For example, in order to receive your ATM card, GCF provides only the necessary information to the appropriate partner so that this service can be fulfilled. Our partners will adhere to using the information only as we direct.
Changes to Our Customer Privacy Statement
This Customer Privacy Statement is subject to change in the future. Customers will be notified prior to any change in this policy.
Inquiries About Our Privacy Procedures
If you have any questions regarding how GCF Bank protects your non-public personal information, please contact your local branch, or write us at:
381 Egg Harbor Road
Sewell, NJ 08080.
Your Privacy Online - Additional Information for Internet Users
GCF takes every precaution to provide you with the same level of privacy within our virtual branch that you receive through more traditional bank delivery channels with regard to safeguarding the information that you have entrusted to us.
For the most part, you can visit us on the Internet without disclosing to us who you are or revealing any information about yourself. However, there are several areas that will collect certain information about you and we want you to know how we handle that information.
GCF collects no personal or financial information from visitors to the Web site. We do record statistics about which pages of this Web site are visited, how much time is spent on a particular page, etc. GCF uses this information for internal review purposes only. This information enables us to tell which areas of the Web site are of most interest to our users, which avenues of site promotion are most effective and when peak usage times occur.
Cookies
Cookies are data tags used by Web servers to identify individual users that have accessed a Web site. Cookies serve a variety of legitimate functions including aiding user navigation, personalization of user online experience and for user authentication purposes. When using Online Banker, Cyber account opening or WebPay, GCF's online banking products, a cookie may be generated with the initial login to the secure site. Cookies related to aiding user navigation and Web site personalization are generally not written to disk nor retained after the Web site session has ended. Cookies related to user authentication are written to disk and retained after the Web site session has ended to be utilized for future authentication purposes.
Third Party Web Site Links
GCF's Web site contains links for your convenience to third party Web sites that you may find useful. GCF does not endorse or guarantee the security or privacy of any external Web site, nor can GCF be held responsible for any information that may be gathered at a linked site. Those sites may have their own privacy policies. Once you leave GCF's site, our privacy policy will no longer be in effect. You should review the privacy policy of any Web site before you provide personal or confidential information.
E-Mail
If you contact us via e-mail, please note that your e-mail address and other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. When you communicate with us via e-mail, GCF 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 GCF unless authorized by you or we are compelled to do so by applicable law or court order.
Please note if you are sending e-mail to GCF, that e-mail is not a secure transmission method. Thus we request that you do not send sensitive personal information such as Social Security numbers, account numbers or any type of password via e-mail to GCF. Please use postal mail or a telephone call when submitting this information.
If you choose to enter our Online Banking/WebPay service, you will be requested to enter your ACCESS ID/USER NAME and Password along with another means of authenticating your identity. We collect personal and/or financial information in order to process your transaction, request to open a deposit account or loan application request. GCF is committed to providing the highest level of security and privacy regarding the collection and use of our Online Banking/WebPay/Cyber Saver/CDARs customer's personal information, as well as that of all visitors to our web site.
Children's Privacy Policy
GCF's Children's Privacy Policy on our GCKids page strictly complies with the Children's Online Privacy Protection Act.
When you supply us with your postal or e-mail address or telephone number online, you may receive periodic mailings or telephone contact from us with information on new products, services or upcoming events. If you do not wish to receive such mailings or contact, please let us know by contacting us by e-mail or telephone as follows:
GCF Bank
381 Egg Harbor Road
Sewell, New Jersey 08080
(856) 589-6600