 |
Your
Privacy is Important To Us
BECAUSE YOUR TRUST IS SO IMPORTANT |
Your
trust is the cornerstone of our relationship. That is
why we work so diligently to safeguard your privacy.
The information that you provide us is kept in the strictest
of confidence. We have no intentions of selling personal
information about our customers to third-party businesses.
We are proud to make that commitment to you,
because your trust is the foundation of our business.
The following privacy policy explains how we use and
protect the information about our customers. We ask
that you read it carefully. |
| |
NOTICE
OF YOUR FINANCIAL PRIVACY RIGHTS
FOR PERSONAL PRODUCTS |
We, our,
and us, when used in this notice, means Ocean Bank.
This is our privacy notice for our customers. When we
use the words "you" and "your" we
mean the following
types of customers:
Our consumer customers who have a continuing relationship
by purchasing or holding financial products or
services such as a:
|
| |
 |
Deposit
account |
| |
|
Loan
account |
| |
|
Credit
card account |
| |
|
Safe
deposit box |
| |
|
Mortgage
brokerage services |
We will tell you the sources of the information we collect
about you. We will tell you what measures we take to secure
that information.
We first define some terms.
Nonpublic
personal information means information about you
that we collect in connection with providing a financial
product or service to you. Nonpublic personal information
does not include information that is available from public
sources, such as telephone directories or government records.
Hereafter, we will use the term "information"
to mean nonpublic personal information as defined in this
section.
An affiliate is a company
we own or control, a company that owns or controls us,
or a company that is owned or controlled by the same company
that owns or controls us. Ownership does not mean complete
ownership, but means owning enough to have control.
A nonaffiliated third party
is a person we do not employ or a company that is not
an affiliate of ours. This is also known as nonaffiliated
third party, or simply, an "other party." |
| |
| THE
INFORMATION WE COLLECT |
We collect
information about you from the following sources:
|
| |
|
Information
you give us on applications or other forms |
| |
|
Information
about your transactions with us |
| |
|
Information
about your transactions with other parties |
| |
|
Information
from a consumer reporting agency |
| |
|
Information
we receive as a result of verifying customer information |
|
| |
| THE
CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION |
| We restrict
access to information about you to those employees who
need to know that information to provide products or services
to you. We maintain physical, electronic, and procedural
safeguards to protect this information. |
| |
| YOUR
INFORMATION AND OTHER PARTIES |
| We will
not disclose information about you to anyone except as
disclosed in this policy or as permitted by law. Examples
of this might include disclosures necessary to service
your account or prevent unauthorized transactions. |
| |
| INFORMATION
ABOUT FORMER CUSTOMERS |
| We do
not disclose information about former customers, except
as permitted by law. |
| |
| AUTHORIZED
SHARING - JOINT MARKETING |
We may
disclose the following information to other financial
institutions with whom we have joint
marketing agreements:
Information you give us on an application or other forms,
such as:
|
| |
|
Name
|
| |
|
Address
|
We disclose the information listed above with other financial
institutions with whom we have joint marketing agreements.
You do not have a right to opt out of the disclosure of
this information. |
| |
| State
Limitations |
AL, AK,
ID and VT - We will not share this information about customers
who reside in Alabama, Alaska,
Idaho or Vermont.
MA, MS and NJ - We will not share any information derived
from deposit relationships with us about customers who
reside in Massachusetts, Mississippi or New Jersey.
IL - We will not share this information about our customers
who reside in Illinois with other parties. |
| |
| Types
of Businesses |
We may
disclose information pursuant to joint marketing agreements
to the following types of businesses:
Financial service providers, such as:
|
| |
|
Credit
card company |
|
