Privacy Policy

1. Introduction

The Federal Home Loan Bank of New York ("FHLBNY") is committed to safeguarding the privacy of your information disclosed through your use of our public web site. This privacy policy details our commitment to protect your information supplied through your use of that web site, and the manner in which we will use that information. By using our public web site, you consent to the collection and use of your information by us as set forth in this policy, as may be subsequently modified from time to time by the FHLBNY.

This policy does not apply to information exchanged on private sections of the FHLBNY's web site that require a password to access, including FHLBNY internet banking services. Your use of those private sections, and the treatment of information exchanged therein, is governed by the relevant agreements between you and the FHLBNY. If you would like information about the services available through the private portions of our web site, please contact your FHLBNY Calling Officer at (212) 441-6700.

2. Notification of Revisions

We may from time to time change this privacy policy. All revisions to the privacy policy will be posted on our web site, other places we deem appropriate and where otherwise required under applicable law. Please check this privacy policy regularly for any revisions. In addition, if you have any questions regarding this privacy policy, please contact us at webadmin@fhlbny.com.

3. Important Terms Used Throughout This Privacy Policy

Throughout this privacy policy, we use several specialized terms.

  • The term "you"applies to users of the public portions of our web site.
  • "Personally Identifiable Information" is information that tells us sensitive, non-public information regarding individuals, such as a person's social security number, bank account number and certain financial information.
  • "User Information" means all Personally Identifiable Information and any other forms of information supplied by you through the web site, such as your e-mail address, your street address or the Internet Protocol (IP) address of your computer.

4. Information We Collect and How We Use It

When you visit our public web site, we may collect and store the domain name and host from which you access the Internet (e.g., aol.com), the IP address of your computer, your browser software and operating system, the date and time you access the site and the Internet address of any web site from which you linked directly to our site or to which you link directly after visiting our site. We may use this information to measure the number of visitors to sections of our sites, to determine from where our visitors linked and to where our visitors link from our sites, and to help us make our site more useful. For example, we may organize and analyze IP addresses so that we can provide efficient service, improve your user experience, enhance security, monitor appropriate usage and produce traffic volume statistics. One of the vendors we use to track this information is Google Analytics and we have opted not to share any data that we collect with them.

When using our public web site, you may be able to request specific information about programs or services offered by the FHLBNY, or sign up for seminars provided by the FHLBNY. In choosing these options, you may provide us with User Information that we will then use to send you the requested information, or enroll you in the requested seminar. We may also use such information to send you additional marketing and informational materials about our programs, services and products. The FHLBNY may disclose to third parties User Information that does not constitute Personally Identifiable Information.

We will not share any Personally Identifiable Information with third parties that may be received by the FHLBNY, except as may be permitted by law. Those permitted exceptions include, for example disclosures (i) to protect the confidentiality or security of your records; (ii) to our attorneys, accountants, auditors or other third parties providing services to the FHLBNY; (iii) to law enforcement or other government officials or agencies, including, but not limited to, our Federal regulators; (iv) to consumer reporting agencies; or (v) in connection with a sale, reorganization or merger of the FHLBNY. We will require third parties to whom we disclose your Personally Identifiable Information to take measures to keep that information confidential. We will also maintain various measures designed to protect such information.

We allow third-party companies, including AddThis, to collect certain anonymous information when you visit our website. These companies may use non-personally identifiable information during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or a third party web beacon to collect this information. Visitors may opt-out of data collection at anytime, by clicking on the opt-out button found here: http://www.addthis.com/privacy/opt-out. Please note that if you block cookies, the opt-out process may not function properly. Please also note that if you delete, block, or otherwise restrict cookies, or if you use a different computer or Internet browser, you will need to renew your opt-out choice. To learn more about this behavioral advertising practice, you can visit www.networkadvertising.org.

5. Third Party Web Sites

This privacy policy only addresses the use and disclosure of information collected by us through our public web site. If you disclose information to other parties, then different rules may apply to those parties' use or disclosure of such information regardless of their affiliation or relationship with us. Because we do not control the privacy practices of third parties, you are subject to the privacy customs and policies of those third parties. A user of our site that links to another web site will be subject to the privacy policy of that web site. We therefore encourage you to ask questions and review the applicable privacy policy before disclosing information to third parties. We have no responsibility or liability for the independent actions or policies of independent sites, and are not responsible for the content or privacy practices of such sites.