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Important Information About Our Privacy Policy
At The
Provident Bank, we know that your privacy is important and
want you to know that your personal information and
relationship with us is treated with the confidentiality that
you expect and deserve. Trust, privacy and confidentiality are
the foundation upon which Provident's relationship with you is
built. In order to offer you the financial products and
services you seek, we collect, maintain and use information
about you on a routine basis. Because we respect your privacy
and your financial needs, we take all reasonable steps to
protect the privacy of your non-public information and
relationship with us.
To help you better understand
how The Provident Bank and its affiliate (currently Provident
Investment Services, Inc.) collect, use and share information
about you and your accounts, as well as how this information
is protected, we are providing this copy of our Privacy
Policy.
Information We Collect
As
part of our commitment to provide the highest quality
financial products and services, Provident collects
non-personal information about you from the following sources:
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Applications,
forms, and other information that you provide us, whether in
writing, in person, by telephone, electronically, via the
Internet or by any other means. This may include your name
and address, as well as employment, income, asset, and
credit information;
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Information
that we receive when you visit or transact business on our
website, by means of an information-collecting devise known
as an Internet “cookie,” and other online tracking
technologies;
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Your
transactions with us, our affiliates, or others. This
information may include your account balances, payment
history, and account usage (including ATM and/or Debit
cards);
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Consumer
reporting agencies. This information may provide account
information and/or information about your credit worthiness
and credit history; and
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Other
third parties, including public sources. This information
may include real-estate records, motor vehicle reports,
demographics, street and e-mail addresses and telephone
numbers.
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The
Provident Bank complies with Section 326 of the USA PATRIOT
Act. This law requires that we collect and verify
identification information from our customers at the time a
new account is opened.
We collect only that
information necessary to deliver quality products and services
to our customers or as required by law.
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Information We Share
We
are permitted by law to share information we have about our
experiences or transactions with you or your accounts (e.g.
account balances or payment history) or collected information
(e.g. credit reports or asset and income information) with our
affiliates.
also are permitted by law to share non-public information
about you to companies that perform marketing services on our
behalf or to other financial institutions with which we have a
joint marketing agreement. In addition, we may provide all the
information we gather about you to our service providers.
These providers may include check processing, statement
rendering, computer operations, and website management
companies. All contracts with joint marketers and service
providers include a provision that the contracting entities
agree to protect the non-public personal information of our
customers and that use of this information is restricted to
that purpose for which the contract has been agreed
to.
We do not otherwise sell, rent or provide customer information to
outside companies (including those companies offering mortgage
or other credit insurances) so they can market their products
or services to you.
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If
you do not wish us to share your information with Provident
affiliated companies, nonaffiliated third parties or
joint-marketers, other than that permitted by law, you may
exercise your right to opt out of this activity.
To opt
out, please call us toll-free at 1-800-448-PROV (7768) or
write to us at the address listed below. When writing to us,
please make sure that your request clearly indicates that you
do not wish to have your collected information shared and that
your correspondence clearly identifies you, your Social
Security number and your affected account numbers. If you have
previously informed us of your preference to opt out, you do
not need to do so again.
We will honor your choice of
restricting information sharing with Provident’s affiliates.
However, this restriction does not apply to your account
transactions and experiences with us, nor does it apply to our
identification information verification
process.
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there are multiple account or product owners, we will treat
the opt out directive by a joint owner as applying to all of
the associated joint owners. However, should any joint owners
have other accounts with us independent of you, your request
will not apply to those other accounts.
We are required or permitted by law to disclose non-public
personal information about our customers in the following
circumstances:
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To
respond to subpoenas and other legal processes, regulatory
authorities or law enforcement
agencies;
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To
consumer reporting agencies;
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In
connection with a proposed or actual sale, merger, or
transfer of all or a portion of a business
unit;
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To
protect against fraud, money laundering and other risks;
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To
those with whom you have requested us to share
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Protecting Customer Information
Access
to your personal information is limited to those employees who
need to know the information to provide products and services
to you. We maintain physical, electronic and procedural
safeguards that comply with federal regulation to protect your
non-public information. Our employees regularly receive
training as to our privacy policy and practices.
What
you can do to protect your financial
information:
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Routinely
review and reconcile your account statements. If you become
aware of incorrect information, either in our records or as
reported by us, please notify us by calling 1-800-448-PROV
(7768). We will promptly research the discrepancy and make
the necessary corrections.
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Safeguard
and protect your account records, statements, access devices
and other information pertaining to your relationship with
The Provident Bank.
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Never
provide your account number, personal identification number
(PIN), or password to anyone claiming to represent us, as we
will never request this information from you.
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Former Customers
We do not share non-public
personal information about our former customers with anyone,
except as permitted or required by law.
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Other Information
This Privacy Policy applies
to products and services used primarily for personal, family,
or household purposes (non-business purposes). We reserve the
right to change this Privacy Policy, and any of the practices
described within this Policy at any time. The examples
provided in this Privacy Policy are not intended to be
all-inclusive.
To opt out of information
sharing or if you have any questions regarding this Privacy
Policy or any aspect of our privacy practices, please write
to: The Provident Bank, Attention: Deposit Support, PO Box 17,
Jersey City, New Jersey 07303-0017 or call us toll free at
1-800-448-PROV (7768); hearing impaired customers, please call
(TDD) 1-800-448-2823.
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