Our privacy policy and important notices

Last updated May 17, 2023

Valley's Privacy Policy 

Valley National Bank (“Valley,” “we,” “us,” and “our”) respects your privacy. This policy (the “Privacy Policy”) describes how we gather information from you when you visit this Valley National Bank online interface (i.e. desktop website, mobile website, or mobile application) and any of Valley’s affiliate or subsidiary online interfaces that link to this Privacy Policy (each individually, a “Site,” and, collectively, “Sites”).  This policy also describes how we may use and share that information. Please read the Privacy Policy carefully to understand our practices in connection with your information. If you do not agree with our practices, you may choose not to use our Sites. By visiting our Sites, you are accepting the practices described in this Privacy Policy. This Privacy Policy may occasionally change; your continued use of any Site(s) after we make changes will be deemed to be your acceptance of, and agreement to, those changes, so please be sure to check this Privacy Policy periodically for updates.
       
Valley’s Consumer Privacy Notice, will also apply to our practices in connection with information that we collect on this Site.
 
This Privacy Policy may not apply to other sites and/or applications that Valley may provide; you should refer to their respective terms, conditions, and policies in order to understand their online privacy practices.
 
If you are a California resident, for more information about your privacy rights, please see the section of this Privacy Policy titled "California Privacy Statement," below. 
 

 

Information we may collect and how we collect it

In certain circumstances, your use of various parts of our Sites may necessitate that you provide us certain personal data. Personal Data is information that identifies you or can be used to identify or contact you (“Personal Data”). Examples of Personal Data may include, but are not limited to, your name, address, email address, and telephone number. We may request Personal Data from you when you register on our Sites and/or in connection with other online products we may make available on our Sites from time to time. In such cases, we will collect Personal Data from you only if you voluntarily submit such information to us. We will not sell or share your Personal Data unless you give us permission to do so or as otherwise contemplated in this Privacy Policy.
   
You are not obligated to provide us with Personal Data in order to visit our Sites. However, if you choose not to share certain requested information, you may not be able to access or use certain parts of our Sites or use one or more of our online products.
   
We use “cookies” to collect certain information to enhance your experience when you visit our Sites.  Cookies are small pieces of data that a website stores on a user’s device so that their device will “remember” certain information in connection with their visit.  Cookies also help provide the Sites additional functionality and help us more accurately analyze Site usage.  As you interact with our Sites, we may use cookies or other similar tools to automatically collect certain information like details about your use of the Sites, traffic data, location data, and information about your computer and internet connection, such as your IP address.
   
Some pages of our Sites may also contain small snippets of code called “pixels” (also known as web beacons or clear gifs) that allow us to collect certain data for analytics purposes, such as recording user counts, level of engagement, and other such metrics.
    
Additionally, certain types of information are collected by most web browsers and/or through your device, including, but not limited to, the type of your device, internet browser, and operating system. We may use these types of information for purposes of, for example, detecting and preventing fraud and enhancing functionality and security.
This Privacy Policy does not apply to information that is collected by: (a) us offline or via other means not specifically described in this Privacy Policy, or (b) any third party.

   

How we may use your information

Valley uses the Personal Data you provide in a manner consistent with this Privacy Policy.  If you provide Personal Data for a particular reason, we may use the Personal Data in connection with such reason. For instance, we will use the Personal Data you provide to register on a Site(s) in order to provide access to certain parts of such Site(s).  Valley also uses your Personal Data and other information collected from the Sites to help us improve the Sites and our products and services, including, without limitation, to respond to your inquiries and requests, or to allow you to take advantage of certain of our Sites’ functionalities and or features within our Sites by granting us access to information from your device such as geolocation when you make applicable requests (ex. when you are searching for an ATM nearby using your mobile device). 
   
Valley may store information itself or it may be included in databases owned and/or maintained by Valley’s service providers.  Sites may use such information in connection with other information to track, for example, the number of visitors to our Sites and to certain pages of our Sites, and the domain names of our visitors' Internet service providers. 

     

Online advertising

We may work with certain third-party service providers to display ads for us on other locations on the Internet.  As part of these services, such service providers may use certain of your information to serve you customized advertisements for Valley that are geared towards your interests or preferences, which is commonly known as “Online Behavioral Advertising,” or “Interest-Based Advertising.”  We may also work with such service providers to analyze the performance of these efforts.  We limit the collection and use of such information for the particular purposes set forth here.  Please visit the Network Advertising Initiative’s page at http://www.networkadvertising.org/choices/ for more information on, and in certain instances how to opt out of, this type of third party service provider advertising. 
    

How we may share your information

Valley is not in the business of selling your information.  There are, however, certain circumstances in which we may share your Personal Data with certain third parties without notice to you including those set forth below:
 

To our Affiliates and Subsidiaries: Like many companies, Valley may share your information, including your Personal Data, with its related entities for internal business purposes.
 

If Required by Law or an Emergency Situation: Valley may disclose your Personal Data if required to do so by law or if we believe that such action is necessary in certain urgent circumstances.
 

Consultants and Other Such Third Parties: Like many companies, Valley sometimes hires other companies to perform certain services in connection with Valley’s business.  Examples include mailing information, maintaining databases and processing payments.  When we employ another company to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
 

Advertisers.  In addition to any other advertising practices described in this Privacy Policy, Valley may aggregate your Personal Data with Personal Data of others and disclose such information to advertisers and other third parties for marketing and promotional purposes.  In these situations, Valley will not disclose to these entities any personally identifiable information.
 

Business Reasons: Like many companies, Valley might divest or purchase businesses and/or assets.  In the event of such a corporate event, Personal Data might be transferred.
   

No collection from children under the age of 13

Valley does not knowingly collect personal data from children below the age of 13 through the Sites.  If you are under 13 years old, please do not give us any Personal Data.  We encourage parents and legal guardians to monitor their children's Internet usage and to help enforce this Privacy Policy by instructing their children to not provide Personal Data on the Sites without their permission.  If you have reason to believe that a child below the age of 13 has provided Personal Data to Valley on any Site(s), please contact us promptly, and we will endeavor to remove that information.
  

Links to other websites

This Privacy Policy applies only to relevant Sites and not to any third-party sites or any other Valley sites as may be described herein.  If you have questions or concerns regarding those other sites, we suggest that you contact those sites directly for information on their policies.
   

Data security

We have put reasonable security measures in place that are intended to protect against the loss or misuse of Personal Data that we have collected through the Sites.  However, like most businesses, we are unable to provide a guarantee that the security measures we take cannot be circumvented or breached.
   

Changes to this privacy policy

This Privacy Policy is effective as of the date stated at the top of this policy.  We may change this Privacy Policy from time to time, and will post any such changes on our Sites.  Please be aware that, to the extent permitted by applicable law, our use of information is governed by the Privacy Policy in effect at the time we use the information.  Please refer back to this Privacy Policy periodically to ensure you are cognizant of the most updated and recent version.
  

How to get in touch with us

If you wish to contact us about this Privacy Policy, you can contact us at legal@valley.com.
    

California Consumer Privacy Statement

This California Privacy Statement (“Statement”) supplements Valley’s Privacy Policy.  It applies solely to California residents and addresses personal information we collect online and offline.  This Statement does not apply to Valley’s personnel.

This Statement uses certain terms that have the meaning given to them in the California Consumer Privacy Act of 2018 (as amended by the California Privacy Rights Act of 2020) and its implementing regulations (collectively, the “CCPA”).

Please note that personal information (including “sensitive personal information” as defined under the CCPA) we collect in connection with Valley products or services you obtain for personal, family or household use, including your personal account with Valley, is not subject to the requirements of the CCPA because such data is already protected under existing federal and California state privacy laws, including the Gramm-Leach-Bliley Act. Please see Valley’s Consumer Privacy Notice for more information about our privacy practices with respect to such data.
 

1.  Notice of Collection and Use of Personal Information

We may collect (and may have collected during the 12-month period prior to the Last Updated date of our Privacy Policy) the following categories of personal information about you:

   

• Identifiers: identifiers such as a real name, alias, postal address, unique personal identifier (such as a device identifier; cookies, beacons, pixel tags, mobile ad identifiers and similar technology; customer number, unique pseudonym, or user alias; telephone number and other forms of persistent or probabilistic identifiers), online identifier, internet protocol address, email address, account name, and other similar identifiers

• Additional Data Subject to Cal. Civ. Code § 1798.80: signature, physical characteristics or description, and education information.  

• Protected Classifications: characteristics of protected classifications under California or federal law, such as race, color, national origin, religion, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, genetic information, disability, citizenship status, and military and veteran status

• Commercial Information: commercial information, including records of personal property, products or services purchased, obtained, or considered, and other purchasing or consuming histories or tendencies

• Online Activity: Internet and other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding your interaction with websites, applications or advertisements

• Geolocation Data

• Employment Information: professional or employment-related information, such as résumé information, occupation details, education details, certifications and professional associations, historical compensation details, previous employment details, emergency contact information, and pre-employment screening and background check information, including criminal records information

• Inferences: inferences drawn from any of the information identified above to create a profile about you reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

 

We may use (and may have used during the 12-month period prior to the effective date of our Privacy Policy) your personal information for the purposes described in our Privacy Policy and for the following business purposes specified in the CCPA:

• Performing services on our behalf, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services

• Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance

• Providing advertising and marketing services, except for cross-context behavioral advertising, which is addressed in the “Sale or Sharing of Personal Information” section of this Statement

• Short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of your current interaction with us

• Helping to ensure security and integrity

• Debugging to identify and repair errors that impair existing intended functionality

• Undertaking internal research for technological development and demonstration

• Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us

• Managing our relationships with current or prospective corporate customers, vendors and other business partners

• Managing our career opportunities         

 

We do not collect or process sensitive personal information for purposes of inferring characteristics about California residents
 

2.  Retention of Personal Information

We will retain your personal information for the time period reasonably necessary to achieve the purposes described in this Statement, our Privacy Policy, or any other notice provided at the time of collection, unless a longer retention period is required or permitted by applicable law, taking into account applicable statutes of limitation and our records retention requirements and policies.
 

3.  Sources of Personal Information

During the 12-month period prior to the Last Updated date of our Privacy Policy, we may have obtained personal information about you from the following categories of sources:

• Directly from you

• Through your device

• Data brokers

• Social networks

• For business customers and vendor representatives, your employer

• For job applicants, recruiting and talent agencies, job references (e.g., your former employers or teachers) and data brokers (e.g., background check services, credit bureaus, and credit reporting service providers)

   

4.  Sale or Sharing of Personal Information

We do not sell or share your personal information in exchange for monetary consideration. We may allow certain third parties (such as online advertising or analytics services) to collect your personal information via automated technologies on our Sites in exchange for non-monetary consideration. This type of disclosure may be considered a “sale” or “sharing” (for cross-context behavioral advertising) under the CCPA. If you are a California resident, you have the right to opt out of such sale or sharing of your personal information.

We may sell or share for cross-context behavioral advertising (and may have sold or shared during the 12-month period prior to the Last Updated date of our Privacy Policy) the following categories of personal information about you to or with online advertising or analytics services and social networks:

• Identifiers

• Online Activity

• Inferences

 

 We do not have actual knowledge that we sell or share (for cross-context behavioral advertising) personal information of minors under 16 years of age.     

        

5.   Disclosures of Personal Information

During the 12-month period prior to the Last Updated date of our Privacy Policy, we may have disclosed your personal information for a business purpose, as set forth above, to the following categories of third parties: 

   

Category of Personal Information	Category of Third Party
Identifiers	Our affiliates Service providers, including operating systems and platforms Data brokers Social networks
Additional Data Subject to Cal. Civ. Code § 1798.80 Law	Our affiliates Service providers, including operating systems and platforms Data brokers Social networks
Protected Classifications	Our affiliates Service providers, including operating systems and platforms Data brokers Social networks
Commercial Information	Our affiliates Service providers, including operating systems and platforms Data brokers Social networks
Online Activity	Our affiliates Service providers, including operating systems and platforms Data brokers Social networks
Geolocation data	Our affiliates Service providers, including operating systems and platforms Data brokers Social networks
Employment Information	Our affiliates Service providers, including operating systems and platforms Data brokers Social networks
Education Information	Our affiliates Service providers, including operating systems and platforms Data brokers Social networks
Inferences	Our affiliates Service providers, including operating systems and platforms Data brokers Social networks

   

In addition to the categories of third parties identified above, during the 12-month period prior to the Last Updated date of our Privacy Policy, we may have disclosed personal information about you to government entities and third parties in connection with corporate transactions, such as mergers, acquisitions or divestitures.

    

6.   California Consumer Privacy Rights

You have certain choices regarding our use and disclosure of your personal information, as described below.

 

Access: You have the right to request, twice in a 12-month period, that we disclose to you the personal information we have collected, used, disclosed and sold or shared (for cross-context behavioral advertising) about you.

Correction: You have the right to request that we correct the personal information we maintain about you, if that information is inaccurate.

Deletion: You have the right to request that we delete certain personal information we have collected from you.

Opt-Out of Sale or Sharing: You have the right to opt out of the sale or sharing (for cross-context behavioral advertising) of your personal information.

Shine the Light Request: You also may have the right to request that we provide you with (a) a list of certain categories of personal information we have disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year and (b) the identity of those third parties.

   
How to Submit a Request. To submit an access, correction or deletion request, or a request as an authorized agent on behalf of a California resident, please click here or call the privacy representative in Customer Care at 800-522-4100.

To opt out of the sale or sharing (for cross-context behavioral advertising) of your personal information, click here or call the privacy representative in Customer Care at 800-522-4100. You may also broadcast the Global Privacy Control (“GPC”) signal. If you use the GPC, we will process it for your browser, but it will not apply outside of that browser to your device, account, or offline sales or sharing. After using the GPC, if you clear your cookies in your browser, you will need to use the GPC again for us to process your opt out for that browser.

To submit a Shine the Light request, please email the request to privacyrequests@valley.com.

For questions or concerns about our privacy policies and practices or this Statement, please contact us as described in the “How to get in touch with us” section of our Privacy Policy. 

Verifying Requests. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request.  If you have an account with us, we may verify your identity by requiring you to sign in to your account.  If you do not have an account with us and you request access to, correction or deletion of your personal information, we may require you to provide any of the following information: full name, home address, date of birth, and email address. In addition, if you do not have an account and you ask us to provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the California resident whose personal information is the subject of the request. If you designate an authorized agent to make a request on your behalf (a) we may require you to provide the authorized agent written permission to do so, and (b) for access, correction and deletion requests, we may require you to verify your own identity directly with us.

Additional Information. If you choose to exercise any of your rights under the CCPA, you have the right to not receive discriminatory treatment by us.  To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request.