OUR PRIVACY PLEDGE TO YOU
As our customer you provide us with important information about yourself. We believe it is our responsibility to safeguard your personal and financial information. While some financial institutions share account owner information with other businesses, we are committed to keeping it confidential.
We have developed the following privacy policy to ensure you the confidentiality you deserve. You have our promise that we will adhere to these guidelines. It is our pledge to you.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Tri-Valley Bank.
This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:
- Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
- Deposit account
- Loan account
- Safe Deposit Box
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.
We first define some terms.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party”.
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
- Information you give us on applications or other forms
- Information about your transactions with us
- Information about your transactions with other parties
- Information from a consumer reporting agency
- Information we receive as a result of verifying customer information
INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law.
WFKS copyright
Online Privacy Policy
(Pursuant to the California Online Privacy Protection Act of 2003)
This Online Privacy Policy is intended to supplement the above Privacy Disclosure Notice.
Personal Information in Electronic Banking
How we handle information about you when you visit our website will depend on what you do
when visiting the site.
"Just Visiting" Our Website.
If you visit our website to read information and do not use any of our online services, then we collect and store only the name of the domain from which you access the Internet, the date and time you access our website and the Internet address of the website from which you linked directly to our website. We may record the “IP address” assigned to you by your internet service provider as part of this process. We use the information we collect to measure the number of visitors to the different sections of our site and to help us make our website more useful to visitors.
Using Services.
When you visit our website, or use our electronic banking services, there may also be times when you are asked to provide information about you that is personally identifiable ("Personal Information"). This may include any of the following:
- your first, middle and last name,
- ·your home or other physical address (including street name and name of a city or
town), - your e-mail address,
- a telephone number,
- social security number,
- account number,
- date of birth,
- mother’s maiden name, and
- password or any other identifier that permits physical or online contact with you.
Personal Information might be needed or requested from you for you to register for banking or
other services, or to fill out our forms or applications for services (such as credit cards), for
special promotions or contests, or to accomplish transactions you request (such as bill payment
or other banking services). This may result in sharing of Personal Information with third parties
(such as data processors or service bureaus) as part of servicing your accounts or transactions.
Cookies.
There is a technology called “cookies” that can collect, store, and sometimes track
information. A cookie is a small data file that can be placed on your hard drive when you visit
certain websites. We may use cookies in this manner. If you wish, you may modify your
browser to disable cookies, including session cookies.
E-mail.
You may also decide to send us information that personally identifies you, for example,
in an electronic mail (e-mail) message. We will use that information to respond to the inquiry
and provide accurate information in response to questions.
If you visit our website or engage in any online services that we offer, then we may collect and
store these categories of Personal Information. We will not share the Personal Information you
provide us at our website or by e-mail, except as described below.
The Personal Information we obtain from you is stored with us if it is to be used on an on-going
basis.
Categories of Third-Parties with Whom Tri-Valley Bank May Share Information
Presently, Tri-Valley Bank discloses Personal Information to third-party persons about our
customers or former customers only as permitted by law in connection with the administration,
processing, or servicing of accounts.
For example, this may include disclosure to a credit-reporting agency or in response to a
subpoena or other legal process; disclosure to protect against fraud, or as part of an audit or
examination; and disclosure to protect and defend our rights and property or to act in an
emergency or to protect someone’s safety.
As we develop our business, we may also buy and sell assets, and your Personal Information
may be one of the transferred assets. In the event that we are acquired by another company, your
personal identifiable information may be part of the assets transferred to the acquiring party.
Please be aware that other services, such as bill payment, provided by other companies via links
to their website from Tri-Valley Bank’s website, are not subject to this policy. We encourage
you to review third party service providers’ privacy policies before sharing your Personal
Information.
Process to Request Changes to Personal Information
We wish to maintain complete and accurate information about you and your account (including
information you have entered through any Tri-Valley Bank website) and have internal
procedures in place to help us accomplish this. We also have established procedures to assist
you should you ever believe that our records contain inaccurate or incomplete information about
you. Please contact us at (925) 791-4340 to view and access your Personal Information. We will
investigate your concerns and promptly correct any inaccuracies.
Notification of Changes
This Online Privacy Policy is subject to change at any time. We will communicate any material
changes to you as required by law. We will post the revised online privacy notice on our website
with a link at www.trivalleybank.com on our home page. Our home page will also have a
statement notifying readers that our online privacy notice has changed and the effective date of
changes. Also the effective date stated at the top of this policy will be revised in conjunction
with any material updates performed.
Children’s Online Privacy Protection Act
Our website is not directed to children under the age of 13. We do not knowingly solicit data
from persons under the age of 13 and we do not knowingly market to persons under the age of
13.
Effective September 25, 2005
