Disclaimers

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 website. This privacy policy details our commitment to protect your information supplied through your use of that website, and the manner in which we will use that information. By using our public website, 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 website 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 website, please contact your FHLBNY Relationship Manager 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 website, 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 [email protected].

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 website.

“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 website, 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 website, your Internet Protocol (“IP”) address or domain name may be used to analyze this website’s traffic patterns and usage, to help diagnose problems with the server, provide more efficient service, enhance security, and to otherwise improve performance of the website. As part of this process, a “cookie,” which is a small file, may be used for the duration of the time you are navigating the website to collect this information. The use of cookies also allows us to collect aggregated site-visitation statistics, such as device type, browser, browser language, operating system, screen resolution, pages accessed on the website, time spent on a page, the date and time you access the site and the address of the Internet website you visited prior to entering this website, to help us measure the effectiveness of this website. Accepting the cookies used by this website does not give us access to your personal information. You can refuse to accept these cookies, and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. Some cookies remain on your device between visits, while others are transient and are erased after you complete your Internet session.

When using our public website, 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.

5. Third Party Websites

This privacy policy only addresses the use and disclosure of information collected by us through our public website. 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 website will be subject to the privacy policy of that website. 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.