Internet & Mobile App Privacy Policy

Last Update: 09/16/2026

Sturdy Savings Bank recognizes the importance our customers place on the privacy and security of their personal information.  Our goal is to protect your personal information in every way that we interact with you, whether it is on the telephone, in our lobby, at one of our ATMs, on our App, or on the Internet.

We think it is important for you to be informed of the policies, procedures, and security measures we have in place to safeguard your personal and confidential information. With that in mind, we have developed this policy to help you to understand the steps we take to protect your personal information when you utilize our Internet services.

Sturdy Savings Bank may utilize third-party providers to assist us in providing online services, such as website hosting, Internet banking, bill payment, check deposit, managing cards, opening accounts, and aggregation services (the “Services”). These third-party providers are referred to within this policy as “service providers”.

Information Collected on the Internet                                                    

If you are just browsing through our website, we do not request any personally identifiable information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.

As part of providing online financial products or the Services, we may obtain information about our customers and website visitors from the following sources:

Personal Information You Provide to Us.

  • We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
  • 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.

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.

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 computers 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, which 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, 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.

 

Use of Information Collected

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.

 

Compliance and Protection. We may use your personal information to:

  • Comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
  • Protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
  • Audit our internal processes for compliance with legal and contractual requirements and internal policies;
  • Enforce the terms and conditions that govern the Service; and
  • Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.

 

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.

  • In accordance with our other Privacy Notices. Other than as described in this Privacy Policy in connection with our internet banking webpage and our App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
  • Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform the Services for or on behalf of us 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.
  • Authorities and Others. Regardless of any choices you make regarding your personal information, our internet banking webpage and our App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above. 

Email Policies

If you send us an email, please do not include any non-public personal or sensitive information, as email messages may not be secure and/or confidential. We offer secure messaging through our Internet Banking service.  You should use the secure messaging service anytime you send us sensitive personal information.

External 3rd Party Links 

Our website may include numerous links to other 3rd party sites.  These links to external third parties are offered as a courtesy and convenience to our customers.  When you visit these sites, you will leave our website and will be redirected to another site.

This financial institution does not control linked 3rd party sites.  We are not an agent for these third parties, nor do we endorse or guarantee their products.  We make no representation or warranty regarding the accuracy of the information contained in the linked sites.  We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely.

If you have questions or concerns about the privacy policies and practices of linked third parties, please review their websites and contact them directly. This privacy policy applies solely to information collected by this institution.

Your Choices Regarding your Information

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

  • 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.
  • 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.
  • Opting Out of Email or SMS Communications. If you have received 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.
  • 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.

Security

Sturdy Savings Bank and its service providers have developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information on a “need to know” basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy.

Our Internet banking and App service provider has developed a top-of-the line security system to ensure your customer information is protected on the Internet and within the data center environment.

Privacy of Children

This financial institution respects the privacy of children. Our website and online services are not directed to children under 13, and we do not knowingly collect personal information from children under 13.

Privacy Updates

New product releases may require changes to our Internet Privacy Policy.  The effective date of our policy will always be clearly displayed. If we make any changes regarding the use or disclosure of your personal information, we will provide you prior notice and the opportunity to opt-out of such disclosure if required by law.

How can you contact us about this notice?

If you have questions or comments about this notice, you may email us at depositservices@sturdyonline.com or contact us by post at:

Sturdy Savings Bank
506 S. Main St.
Cape May Court House, NJ 08210