Privacy Policy & Notices
Last Updated: January 31, 2020
This privacy policy (the “Bread Privacy Policy”) and privacy notice (the “Bread Privacy Notice”) describes how Lon Operations LLC (d/b/a Bread and Bread Operations) and its affiliates, subsidiaries, agents and assigns (collectively, “Bread”, “we”, or “us”) collect and use the personal or other information provided by any user of our Site or the Bread Services (as defined below) (such user, “you”). The Bread Privacy Policy and Bread Privacy Notice applies to the use of any Bread online product or services, including use of Bread’s technology and interface to determine potential eligibility for a loan or to request a loan from Cross River Bank, Member FDIC, or any other financial institution with which we may partner, submitting a request to make a purchase with a retail Merchant (as defined below) under a retail installment transaction (“SplitPay”), submitting an application for any other financial product or repayment method Bread may make available, to manage your account (the “Bread Services”) and to access or use the Bread website at www.getbread.com, including derivatives of the Site such as the member’s portal where you can access information on your account (collectively, the “Site”). As used in this Privacy Policy, “Personal Data” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal information” under applicable data privacy laws, rules, or regulations.
To see how we use and share your information, see “Information Shared With Other Parties” below.
The “In a nutshell…” summaries next to each section are for reference purposes only, may not summarize all of the rights and obligations contained in that section, and are not contract terms. As such, please read the entirety of the Bread Privacy Policy and Bread Privacy Notice carefully. The privacy and the protection of your Personal Data are important to us and this policy and privacy notice describe how we collect and store your information, how we share that information, and your choices regarding how the information is used or shared.
Bread loans are made by Cross River Bank, a New Jersey state-chartered bank, Member FDIC (the “Bank”). For information about how the Bank collects, uses, and discloses your Personal Data obtained in connection with your loan, see the Cross River Bank Privacy Notice below.
Bread SplitPay transactions are made by the retail merchant on whose website you completed the transaction (the “Merchant”). You should consult the Merchant’s website for additional information on how the Merchant collects, uses and discloses your Personal Data.
Changes to Bread Privacy Policy
We may update the Bread Privacy Policy and Bread Privacy Notice from time to time. If we do this, we will post the changed Bread Privacy Policy or the Bread Privacy Notice on the Site and will indicate at the top of the page when this policy or notice was last revised. If any such changes impose additional obligations on you and if we deem any such change to be material, we may send you a notification regarding such changes (e.g. by sending you an email). In some cases, we may notify you in advance of the changes taking effect. Your continued use of the Bread Services or the Site after we have made any such changes will constitute your acceptance of the new Bread Privacy Policy or Bread Privacy Notice, as applicable.
In any event, we will provide “Customers” (users of Bread Services with an outstanding loan or SplitPay transaction) at least annually, a copy of the Bread Privacy Policy and Bread Privacy Notice, which will be sent electronically to the email address provided at the time of application.
We may change this Privacy Policy or the Privacy Notice. If you continue to use the Bread Services or the Site, you are agreeing to the new Bread Privacy Policy and Privacy Notice. The dates on the top shows when the Bread Privacy Policy was last updated. Customers of Bread Services will receive a copy of the Bread Privacy Policy and Bread Privacy Notice annually by email.
Sources of Personal Data
Information That You Provide
- You:
- when you provide such information directly to us, and
- when Personal Data about you is automatically collected in connection with your use of our Services.
- Our subsidiaries and affiliates (together, “Affiliates”), when they provide us with Personal Data about you.
- Third parties, when they provide us with Personal Data about you (“Third Parties”). Third Parties that share your Personal Data with us include:
- Service providers.
- We may use analytics service providers to analyze how you interact and engage with the Services, the Site or with the websites of Merchants.
- We may also use a service called Crazy Egg which collects anonymous data about visitors to our website. Crazy Egg’s current privacy policy can be found at https://www.crazyegg.com/privacy and its opt-out feature at https://www.crazyegg.com/opt-out.
- We may also use a service called Rollworks to help us market to prospective partners. You can learn more about how they use data they collect or that we share with them at https://www.nextroll.com/privacy
- Advertising partners. We receive information about you from some of our service providers who assist us with marketing or promotional services related to how you interact with our websites, applications, products, services, advertisements or communications.
- Third Parties may help us provide you with customer support, identity verification companies may help us identify you and other vendors may help us gather information to prevent potential fraudulent transactions.
- We may use analytics service providers to analyze how you interact and engage with the Services, the Site or with the websites of Merchants.
- Social networks connected to the services. If you provide your social network account credentials to us or otherwise sign in to the Services through a third-party site or service, you understand some content and/or information in those accounts may be transmitted into your Account with us.
- Service providers.
The following chart details the categories of Personal Data that we collect and have collected over the past twelve (12) months. Throughout this Privacy Policy, we will refer back to the categories of Personal Data listed in this chart (for example, “Category A. Personal identifiers”).
Category of Personal Data |
Personal Data Collected |
What is the source of this Personal Data? |
|
|---|---|---|---|
A. |
Personal Identifiers |
· Your name · Your email address · Your phone number · Your date of birth · Your identification number (Social Security Number or other taxpayer identification number) · Your home street address · Photographs, government identification, and other official identifying information; and · Your device’s IP address. |
You / Third Parties |
B. |
Customer records identified by state law (including the California Customer Records statute (Cal. Civ. Code § 1798.80(e))) |
Your name · Your email address · Your phone number · Your date of birth · Your identification number (Social Security Number or other taxpayer identification number) · Your home street address · Photographs, government identification, and other similar information; · A debit card, credit card and/or account number and its associated account information (your debit card and credit card information is processed by a third party; we do not have access to your payment card information or other information you provide to us to facilitate a payment by debit or credit card); and · Your personal financial information, including voluntarily reported income information and predicted annual income. |
You / Third Parties |
C. |
Protected classification characteristics under state or federal law |
· Your date of birth |
You / Third Parties |
D. |
Commercial information considered, or other purchasing or consuming histories or tendencies. |
· Other information about your interaction with the Bread Services on any Merchant website or the Site. · The type of device you are using to access the Bread Services or the Site; |
You / Third Parties |
E. |
Biometric information |
We do not collect this category of Personal Data. |
|
F. |
Internet or other similar network activity information |
· Other information about your interaction with the Bread Services on any Merchant website or the Site. · Your device’s IP address; · The type of device you are using to access the Bread Services or the Site; |
You / Third Parties |
G. |
Geolocation data |
· Your device’s IP address; · Your device’s location information and any other information sent to us by the device. |
You / Third Parties |
H. |
Sensory data |
We do not collect this category of Personal Data. |
|
I. |
Professional or employment-related information |
We do not collect this category of Personal Data. |
|
J. |
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)) |
We do not collect this category of Personal Data. |
|
K. |
Inferences drawn from other personal information |
We do not collect this category of Personal Data. |
|
L. |
Age or date of birth |
· Your date of birth |
You |
We ask for and collect personal and other information about you directly from you and from third party vendors. This information is used for many purposes, including improving the Bread Services and verifying your identity.
Retaining Your Information
We will retain your information in accordance with our data retention policies even after you have ceased to be a Bread Customer.
For legal and other reasons, we need to retain the information we collect about you. We will only use this information for limited purposes. We may further retain information in an anonymous or aggregated form where that information would not identify you personally.
How We May Use Your Information
We may use your information for everyday business purposes and marketing purposes, including to:
- Process transactions with you and otherwise to maintain your online account with us;
- Market the Bread Services or our Merchant partners’ products to you;
- Contact you by mail, telephone, text message or email, in connection with your Bread account or to deliver updates to our services (for example, we may use email to send you information about Bread products or services and new offers which we think may interest you);
- Develop new products and services or improve them and your experience with them;
- Support internal business operations, including assessing and managing risk and meeting legal and regulatory requirements;
- Provide technical support for using the Bread Services;
- Monitor and analyze trends and usage;
- Comply with contractual obligations, relevant industry standards and our policies;
- Verify your identity, prevent or detect fraud or other unauthorized or illegal activity;
- Operate, evaluate and improve our business (including developing new products and services, performing data analytics, and performing accounting, auditing and other internal functions);
- Respond to your requests;
- Resolve disputes;
- Protect against or deter fraudulent, illegal or harmful actions and maintain the safety, security and integrity of our Services;
- Respond to law enforcement requests and as required by applicable law, court order, or governmental regulations;
- Enforce this Privacy Policy, the Terms of Use, and any other terms that you have agreed to, including to protect the rights, property, or safety of us, our users, or any other person or the copyright-protected content of the Bread Services; and
- Perform any other business purpose stated when collecting your Personal Data or as otherwise set forth in applicable data privacy laws, such as the California Consumer Privacy Act (the “CCPA”).
We may use or combine information that we collect through other sources or from service providers to enhance, expand or verify the accuracy of our records, or for other reasons. Data collected from a particular browser, device or application may be used with another linked browser, device or application.
We will not collect additional categories of Personal Data or use the Personal Data we collected for materially different, unrelated, or incompatible purposes without providing you notice.
As noted in the list above, we may communicate with you if you’ve provided us the means to do so. For example, if you’ve given us your email address, we may send you promotional email offers or email you about your use of the Services. Also, we may receive a confirmation when you open an email from us, which helps us improve our Services. If you do not want to receive communications from us, please indicate your preference by emailing us at support@getbread.com.
We may use your information for our everyday business purposes, to facilitate the use of the Bread Service, to market to you, and for various other business purposes.
Information Shared With Other Parties
By using Bread Services, you authorize us to share with the Merchant o for their marketing purposes and other non-affiliated third parties (for example, marketing companies) to market the Bread Service or the Merchant’s products and services to you, certain information that is a part of or related to your application for Bread Services, including, but not limited to, your name, email address and whether or not you were pre-qualified to use the Bread Service, as permitted by law. You may opt out of this sharing at any time by calling us at (844) 992-7323 or emailing us at support@getbread.com.
We may share your information with other third parties for business purposes, including the following:
- Non-affiliated vendors and partners (our “service providers”), including assisting in underwriting, sending communications on our or our Merchants’ behalf, document storage, fraud prevention, and collections, maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider;
- Auditing related to a current interaction and concurrent transactions, including, but not limited to, ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards;
- Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;
- Debugging to identify and repair errors that impair existing intended functionality;
- Short-term, transient use of Personal Data that is not used by another party to build a consumer profile or otherwise alter your consumer experience outside the current interaction;
- Undertaking internal research for technological development and demonstration;
- Undertaking activities to verify or maintain the quality or safety of a service or device that we own, manufacture, was manufactured for us, or control;
- Subject to your consent and right to opt-out as described above, the Merchant for their marketing purposes and other non-affiliated third parties (for example, marketing companies) to market the Bread Service or the merchant’s products and services to you;
- With regulators, auditors, or our partner bank, Cross River Bank, in connection with an audit, routine inquiry, or to fulfill our contractual or legal obligations;
- Financing partners to Lon Operations LLC, its parent company, or its affiliates to fulfill certain contractual obligations;
- Third parties who may purchase your loan or SplitPay agreement (or an interest in the loan or agreement), or the rights to service such loan or SplitPay account;
- Non-affiliated third parties, including regulatory bodies, law enforcement officials, governmental agencies, and courts, in response to a judicial proceeding, court order, or legal process or for the purposes of preventing fraud or criminal activity, or as required by law or to protect our legal rights.
- Third parties with whom we may work in conjunction with or to whom we may license our technology;
- Affiliates of Lon Operations LLC who have a need to know such information for everyday business purpose; and
- With any third party in response to a legal or regulatory inquiry.
In the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of any or all of our assets, some of the Personal Data that we hold may be among the assets transferred to a buyer or other successor. We may transfer to another business or non-affiliated entity or its affiliates, advisors or service providers some or all information about you in connection with, or during negotiations of, any joint marketing relationship, merger, acquisition, sale of assets or any line of business, change in ownership control or financing transaction. If we do, we may not limit how such other party may use or further transfer your information.
We may also share with third parties – such as advertisers – aggregated or de-identified information and we do not limit our third-party providers from using, selling, licensing, distributing, or disclosing such aggregated or de-identified data.
We may share information in other ways if you give us consent or direct us to do so.
Sales of Personal Data
We have not sold your Personal Data over the last twelve (12) months.
By using Bread Services, you authorize us to share with the Merchant for their marketing purposes and other non-affiliated third parties (for example, marketing companies) to market the Bread Service or the Merchant’s products and services to you, certain information that is a part of or related to your application for Bread Services, including, but not limited to, your name, email address and whether or not you were pre-qualified to use the Bread Service, as permitted by law. You may opt out of this sharing at any time by calling us at (844) 992-7323 or emailing us at support@getbread.com. We may also share your information with non-affiliated third parties for everyday business purposes and for marketing purposes, our affiliates for everyday business purposes, or in response to a legal inquiry. We do not sell your Personal Data.
Safeguarding Your Information
We have adopted a security policy and certain safeguards intended to protect your information against unauthorized access, which may include firewalls, data encryption and restricting access to your Personal Data only to those employees or contractors who have a need to know such information to carry on our operations. These safeguards are reviewed and adjusted periodically based on ongoing risk assessments.
Some of our employees, contractors and representatives may have access to your information. Wherever possible, our policies and procedures may limit access to your information to those employees, contractors, and representatives who have a need for such information to perform their job functions.
Please keep in mind that the Internet is not a 100% secure medium for communication, and we cannot guarantee that the information collected about you will always remain private when using the Bread Services. We recommend that users implement their own security controls, including the use of strong passwords, antivirus software, and maintaining up-to-date web browsers.
We have adopted a security policy and certain safeguards intended to protect your information against unauthorized access.
Other sites
The Bread Privacy Policy and Bread Privacy Notice only cover your use of the Bread Services or access to the Site. Merchants through which you purchase products or services using Bread Services may have different privacy policies with respect to the handling of your information. In addition, Merchants which sell products that are health related may have other requirements with respect to the collection and use of your information. The Bread Services are not, and are not intended to be, a part of Merchants’ privacy policies. Before providing them with your Personal Data, you should consult their privacy policies to understand how any information you may have provided to Merchants, or that the Merchant may have accessed, will be handled.
This policy only covers the Bread Services and this Site. The merchant with whom you use the Bread Services will likely have their own privacy policies which you should consult.
Rights with Respect to Your Personal Data
You can access certain Personal Data that you have provided to us by logging into your account at https://members.getbread.com. You can update your bank account information through the account portal and if you need to change any other information you can contact us at support@getbread.com or (844) 992-7323. You agree to notify us promptly of any changes to your Personal Data.
Access
You have the right to request certain information about our collection and use of your Personal Data over the past twelve (12) months. We will provide you with the following information:
- The categories of Personal Data that we have collected about you.
- The categories of sources from which that Personal Data was collected.
- The business or commercial purpose for collecting or selling your Personal Data.
- The categories of third parties with whom we have shared your Personal Data.
- The specific pieces of Personal Data that we have collected about you.
If we have disclosed your Personal Data for a business purpose over the past twelve (12) months, we will identify the categories of Personal Data shared with each category of third party recipient.
Deletion
You have the right to request that we delete the Personal Data that we have collected from you. Under the CCPA and other privacy laws, this right is subject to certain exceptions: for example, we may need to retain your Personal Data to provide you with the Services or complete a transaction or other action you have requested, including in connection with a financial transaction. If your deletion request is subject to one of these exceptions, we may deny your deletion request.
Exercising Your Rights
To exercise the rights described above, you must send us a request that (1) provides sufficient information to allow us to verify that you are the person about whom we have collected Personal Data (e.g., the IP address you used to access a Merchant website or the email address you provided), and (2) describes your request in sufficient detail to allow us to understand, evaluate, and respond to it. Each request that meets both of these criteria will be considered a “Valid Request”. We may not respond to requests that do not meet these criteria. We will only use Personal Data provided in a Valid Request to verify you and complete your request. You do not need an account to submit a Valid Request.
We will work to respond to your Valid Request within forty-five (45) days of receipt. We will not charge you a fee for making a Valid Request unless your Valid Request(s) is excessive, repetitive, or manifestly unfounded. If we determine that your Valid Request warrants a fee, we will notify you of the fee and explain that decision before completing your request.
You may submit a Valid Request using the following methods:
- Call us at: (844) 992-7323
- Emailing us at: support@getbread.com
- Mailing us at: Bread
P.O. Box 1264
New York, NY 10276
The foregoing rights to access and deletion of your Personal Data are available to all users of the Bread Services and if you are a California resident you are entitled to these rights under the CCPA. However, there may be other laws and regulations that supersede your rights under this section of the Bread Privacy Policy and the CCPA, including the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act. For example, this section does not apply with respect to information that we collect on users who apply for or obtain our products and services for personal, family, or household purposes, as those uses would be governed under the Gramm-Leach-Bliley Act.
We Will Not Discriminate Against You for Exercising Your Rights Under the CCPA
We will not discriminate against you for exercising your rights under the CCPA. We will not deny you our goods or services, charge you different prices or rates, or provide you a lower quality of goods and services if you exercise your rights under the CCPA. However, we may offer different tiers of our Services as allowed by applicable data privacy laws (including the CCPA) with varying prices, rates, or levels of quality of the goods or services you receive related to the value of Personal Data that we receive from you.
You can, and should, update your information by contacting us at support@getbread.com or (844) 992-7323. Certain of the rights set forth in this Section may not apply to our collection and use of your Personal Data governed by the Gramm-Leach-Bliley Act or the Fair Credit Reporting Act.
Other Limitations
Age Restrictions
Your use of the Site and/or Bread Services is intended for use only in the United States and states where Bread Services are available. The Bread Services are intended only for persons aged eighteen (18) years or older (nineteen (19) years of age in Alabama or Nebraska). While certain Merchant’s products may be sold outside the United States, including in the European Union, the Bread Services and the Site are not marketed to or intended to be used by any non-United States resident.
We do not knowingly collect or solicit Personal Data from anyone under the age of thirteen (13). If you are under thirteen (13), please do not attempt to use Bread Services or send any Personal Data about yourself to us. If we learn that we have collected Personal Data from a child under age thirteen (13), we will delete that information as quickly as possible. If you believe that a child under thirteen (13) may have provided us Personal Data, please contact us immediately at legal@getbread.com.
California Resident Rights
Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of Personal Data to third parties for such third parties’ direct marketing purposes; in order to submit such a request, please contact us at support@getbread.com.
Nevada Resident Rights
If you are a resident of Nevada, you have the right to opt-out of the sale of certain Personal Data to third parties who intend to license or sell that Personal Data. You can exercise this right by contacting us at support@getbread.com with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account. Please note that we do not currently sell your Personal Data as sales are defined in Nevada Revised Statutes Chapter 603A.
Do Not Track Signals
Our Site does not support Do Not Track (“DNT”) at this time. DNT is a privacy preference you can set in your web browser to indicate that you do not want certain information about your web page visits tracked and collected across websites. For more details, including how to turn on Do Not Track, visit http://www.donottrack.us/
Your use of the Site and/or Bread Services is intended for use only in the United States and the states where Bread Services are available. The Bread Services are intended only for persons aged eighteen (18) years or older (nineteen (19) years of age in Alabama or Nebraska). We do not knowingly collect or solicit Personal Data from anyone under the age of thirteen (13). If you believe that a child under thirteen (13) may have provided us Personal Data, please contact us immediately at legal@getbread.com.
Bread Privacy Notice
Rev. January 2019
What does Lon Operations LLC (“Lon”) do with your personal information?
Financial companies choose how they share your Personal Data. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your Personal Data. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and Account balances
- Payment history and Transaction history
- Credit history
- Account transactions
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share Personal Data to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ Personal Data; the reasons Lon chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information |
Does Lon share? |
Can you limit this sharing? |
|---|---|---|
For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus |
Yes |
No |
For our marketing purposes—to offer our products and services to you |
Yes |
No |
For joint marketing with other financial companies |
No |
We don’t share. |
For our affiliates’ everyday business purposes—information about your transactions and experiences |
Yes |
Yes |
For our affiliates’ everyday business purposes—information about your creditworthiness |
Yes |
Yes |
For non-affiliates to market to you |
Yes |
Yes |
- Call (844) 992-7323 – our menu will prompt you through your choice(s)
- Contact us at support@getbread.com.
Please note:
If you are a new customer, we can begin sharing your information forty-five (45) days from the date we send this notice; however we may immediately share your information with Merchants and non-affiliated marketing companies pursuant to the authorization and consent you provide in the How We May Use Your Information” and “Information Shared With Third Parties” section of our Privacy Policy. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Call (844) 992-7323 or contact us at support@getbread.com.
Lon Operations LLC
To protect your Personal Data from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We collect your personal information, for example, when you
- Apply for a loan or open an account;
- Give us your contact information or provide account information; or
- Use your debit or credit card
We also collect your personal information from others, such as credit bureaus affiliates, or other companies.
Federal law gives you the right to limit only
- sharing for affiliates’ everyday business purposes – information about your creditworthiness
- affiliates from using your information to market to you
- sharing for non-affilliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for additional information on your rights under state law.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include Lon Holdings LLC and Lon Administration LLC.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Non-affiliates we may share with can include Merchants with which you use our services, non-affiliated marketing companies, and Lon’s service providers.
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- Lon Operations LLC doesn’t jointly market
In accordance with California law, we will not share information we collect about California residents with non-affiliates, unless the law allows. For example, we may share information with your consent or to service your accounts. We will limit sharing among our companies to the extent required by California law.
We will not disclose information about your creditworthiness to our affiliates and will not disclose your Personal Data, financial information, credit report, or health information to non-affiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be obtained by calling (844) 992-7323.
Cross River Bank Privacy Notice
Rev. 11/2018
What does Cross River Bank do with your personal information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and Account balances
- Payment history and Transaction history
- Account transactions and Wire transfer instructions
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Cross River Bank chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information |
Does Cross River Bank share? |
Can you limit this sharing? |
|---|---|---|
For our everyday business purposes— such as to process your transactions, maintain your accounts), respond to court orders and legal investigations, or report to credit bureaus |
Yes |
No |
For our marketing purposes— to offer our products and services to you |
Yes |
No |
For joint marketing with other financial companies |
Yes |
No |
For our affiliates’ everyday business purposes— information about your transactions and experiences |
No |
We don't share |
For our affiliates’ everyday business purposes—information about your creditworthiness |
No |
We don't share |
For nonaffiliates to market to you |
No |
We don't share |
Call toll-free 1-877-55CRB55 or go to www.crossriverbank.com.
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
We collect your personal information, for example, when you
- Open an account or Apply for a loan
- Make deposits or withdrawals from your account or Provide employment information
- Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit only
- sharing for affiliates’ everyday business purposes-information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Cross River Bank does not share with our affiliates.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we share with can include loan finance companies
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partner(s) include loan finance companies.
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing-without your authorization.
For Vermont Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.crossriverbank.com or call 1-877-55CRB55.