Disclosures

Last Updated: 04/05/2023

1st Bergen Mobile App (the “App”)– powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.

The App allows you to:

• get real-time balances for your accounts

• manage your money

• view your transactions and statements

• make transfers

• pay your bills and manage billers

• deposit a check

• receive alerts

• manage cards

This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”).

The Types of Information We Collect in the App

Through your use of the Services, we may collect personal information from you in the following ways:

(a) Personal Information You Provide to Us.

The mobile banking app may collect personal information from you or your financial institution, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you create an account and use it. This information could include your address or contacts (e.g. to make P2P [peer to peer] payments using Zelle or other payments functionality)

We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.

If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.

We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.

(b) Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.

(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:

Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.

Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.

Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.

Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.

Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.

Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

How We Use Your Information Collected in the App

(a) General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:

• facilitate the creation of, and secure and maintain your account;

• identify you as a legitimate user in our system;

• provide improved administration of the Services;

• provide the Services you request;

• improve the quality of experience when you interact with the Services;

• send you administrative e-mail notifications, such as security or support and maintenance advisories; and

• send surveys, offers, and other promotional materials related to the Services.

(b) Compliance and protection. We may use your personal information to:

(c) Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.

Disclosure of Your Personal Information

We disclose your personal information collected through your use of the Services as described below.

(a) In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.

(b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.

(c) Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.

Links to Other Sites

The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

Your Choices Regarding Your Information

You have several choices regarding use of information on the Services.

(a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.

(b) Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us.

(c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.

(d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.

Safeguards and Retention

We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

A Note About Children

The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.

Privacy Policy Updates

This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.

Contact Us

If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at: mobileinfo@1stbergen.com; or by mail at:

1ST Bergen Federal Credit Union
392 Main Street
Hackensack, NJ 07601

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. 

A. Information We Collect

The types of personal information we collect and share depends on the product or service you have with us. This information can include: 

• Social Security Number

• Credit Score and Credit History 

• Employment Information 

• Income and Wire Transfer instructions.

When you are no longer our member, we continue to share your information as described in this notice. 

B. How We Collect Your Information

All financial institutions need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons 1st Bergen Federal Credit union chooses to share; and whether you can limit this sharing. 

C. Reasons We Can Share Your Personal Information

1st Bergen does share your information for our everyday business purposes, such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, or to report to credit bureaus. You cannot limit this sharing. 

• 1st Bergen does share your information for our marketing purposes, such as to offer our products and services to you. You cannot limit this sharing. 

• 1st Bergen does not share your information for joint marketing with other financial companies. 

• 1st Bergen does not share your information for our affiliates’ everyday business purposes. 

• 1st Bergen does not share your information for nonaffiliates to market to you. 

D. What We Do

1st Bergen protects your personal information from unauthorized access and use with 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:

• Seek financial or tax advice or open an account

• Apply for financing or provide account information 

• Give us your contact information 

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. 

E. How to Limit Sharing 

Federal Law gives you the right to limit only:

• Information about your creditworthiness to affiliates for everyday business purposes 

• Affiliates from using your information to market to you 

• Sharing for non affiliates to market to you.

State law and individual companies may give you additional rights to limit sharing. 

F. Definitions 

Affiliates are companies related by common ownership or control. They can be financial or non-financial companies. 1st Bergen Federal Credit Union has no affiliates. 

Nonaffiliates are companies not related by common ownership or control. They can be financial and non-financial companies. 1st Bergen Federal Credit Union does not share with nonaffiliates so they can market to you. 

Joint Marketing is a formal agreement between nonaffiliated financial companies that together market financial products or services to you. 1st Bergen Federal Credit Union does not have any Joint marketing agreements. 

G. Questions

Call (201) 968-0202 or email membersupport@1stbergen.com for any questions related to information sharing.

Purpose of the Policy:

The Board of Directors of 1st Bergen Federal Credit Union, (the “Credit Union”) adopted this Excessive or Luxury Expenditure Policy (“Policy”) to be in compliance with the requirements under the American Recovery and Reinvestment Act of 2009 (“ARRA”). The ARRA, which amends certain sections of the Emergency Economic Stabilization Act of 2008, requires each recipient of funds under the Community Development Capital Initiative Program of the Troubled Assets Relief Program to have in place a company-wide policy regarding excessive or luxury expenditures, as identified by the Secretary of the Department of the U.S. Treasury.

1st Bergen Federal Credit Union (“the Credit Union”) prohibits excessive or luxury expenditures on entertainment and events, office or facility renovations, aviation or other transportation services and all other activities. This includes unreasonable expenditures for conferences, staff development and performance incentives. This Policy applies to all directors and employees of the Credit Union. Additionally, this Policy specifies prohibited expenditures, approval procedures for expenditures which require prior approval, certification requirements of the Chief Executive Officer (“CEO”) and Chief Financial Officer (“CFO”), the reporting of actual or suspected violations, and compliance monitoring.

Covered Expenditures

Renovations: Renovations of facilities and office spaces should be relative to the approved project and current profit plan, and tracked within the fixed assets policy of the Credit Union. An exception to this is allowed in an emergency situation, such as an act of nature, and the expenditure is necessary to make a facility operational for member use. Renovations that would have the appearance of being extraordinary or excessive to the Board of Directors should not be made.

Entertainment: Entertainment is defined as an activity that is for business development purposes relating to a current or prospective customer, or for further enhancement of the Credit Union’s marketing efforts. Our policy is that all expenses incurred by the Credit Union should be for Credit Union purposes and used to develop business of the Credit Union. Events and parties focused on members for the purpose of attracting or retaining their business are not deemed as “luxury” or a violation of this Policy. These expenses should be documented and detailed as to the benefit derived by the Credit Union through the normal accounts payable process.

Conferences: The Credit Union encourages staff to attend conferences that provide appropriate educational and networking opportunities. These conferences should be related to the financial

services industry and have a direct correlation to the staff member’s job. Expenditures for conferences will be approved through the annual budget process.

Employee Recognition/Holiday Parties: The Credit Union feels that employee recognition and holiday parties are an integral component of employee appreciation. These events should be local in geographic nature and reasonable in cost.

Aviation Services: The Credit Union will reimburse employees and directors for reasonable transportation expenses incurred for travel to and from pre-approved conferences, planning retreats, or other business purposes. Reasonable airfare is considered coach travel class.

Prohibited Expenditures

The following expenditures are deemed excessive and are prohibited:

Aviation Services and Travel: The Credit Union will not reimburse for first or business class travel. Private air services are not allowed under any circumstances. The Credit Union will not reimburse employees or directors for aviation or other travel-related expenses associated with any spouse or guest that may accompany them on a business trip. This would include travel, food and lodging.

Office and Facility Renovations: Expenditures for office furnishings, remodeling, or redecoration for any senior executive officer as deemed in the EESA (“SEO”), the aggregate cost of which exceeds $25,000. This prohibition does not extend to a corporate relocation or remodeling impacting a majority of the corporate offices or a newly-constructed branch, branch renovation, or branch relocation.

Expenditures Requiring Prior Approval and Approval Procedures

All expenses not included in the annual budget approved by the board must be prior approved by the appropriate financial officer and if they exceed $5000 by the board of directors. In addition, all unbudgeted expenditures for office renovations and aviation services must be prior approved. The request for approval must be submitted in writing to a financial officer at least five days before the purchase is to be made. The employee or director seeking approval for any expenditure covered by this Policy and not specifically prohibited must request approval in writing explaining the justification and business purpose for the proposed expenditure. The written request for approval should be submitted with as much lead time as is reasonably possible, and in any event no less than five business days for matters that must be submitted to the Board.

For any matter that must be submitted to the Board, the CEO will be responsible for submitting the request to the President of the Board. All requests must comply with the Third Party Due Diligence and Oversight Policy, as well as the Purchasing Policy.

Administration and Certifications

The CFO is responsible for the day-to-day administration of this Policy, and the CEO is accountable for overall adherence to this Policy and must approve any exceptions. Strict adherence to this Policy is mandated for all Credit Union employees. Within 90 days of the completion of each fiscal year of the Credit Union, the CEO and CFO of the Credit Union shall certify that the Credit Union and its employees have complied with this Policy during the fiscal year or since the date of enactment of this Policy and that any expenses requiring approval were properly approved.

Violations

Any employee, officer or director who becomes aware of, or has reasonable grounds to suspect, a violation of this Policy must promptly report such violation to the Chief Financial Officer (or, for violations involving such officer, to the CEO or COO). All appropriate steps will be taken to protect the anonymity of anyone reporting a violation, and retaliation against those reporting violations will not be tolerated.