PRIVACY POLICY NOTICE
Bay Commercial Bank respects your privacy. Through our web site, we strive to provide valuable information to you. We do not gather personal identifying information on individual visitors to our web site. We do however collect and store information about the name of the domain and Internet Protocol address from which you accessed our web site, together with the date and time of your visit. Other than that, we collect information on visitors only in the aggregate and use it for internal review purposes only. This information simply enables us to tell which areas of our web site are of most interest to visitors, which avenues of the site are most effective, and peak usage times.
Protecting your privacy is important to Bay Commercial Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Bay Commercial Bank employees for collection, use, retention, and security of nonpublic personal information.
Our Security Procedures
We also take steps to safeguard customer information. We restrict access to your nonpublic personal information and account information to those employees who need to know that information to provide products and services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
What Information We Collect
We may collect “nonpublic personal information” about you from the following sources:
Ø Information we receive from you on applications or other loan and account forms;
Ø Information about your transactions with us or others; and
Ø Information we receive from third parties such as credit bureaus.
“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history.
What Information We Disclose
We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas and to credit bureaus. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies
Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: Bay Commercial Bank 1280 Civic Drive Suite 100 Walnut Creek CA 94596.
WEBSITE PRIVACY
Our web site does not require you to disclose any personal identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address and any other information your e-mail properties disclose about you will be revealed to us. Any other information you choose to provide to us in your e-mail, such as your name, address, telephone, or fax number is solely at your discretion. We pledge that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your requests, comments or questions. Your e-mail address will not be shared or sold to others outside the Bank unless we are compelled to do so by law.
For the convenience of visitors to our web site, we may provide you with links to other web sites of interest or use. Bay Commercial Bank does not make any guarantees or endorsements relating to these other web sites; although be assured that we exercise very professional discretion regarding the links we provide on our web site.
The Bay Commercial Bank web site Privacy Statement applies to individuals, and we reserve the right to change it, and its related provisions, at any time without prior notice.
