Privacy Policy
GLBA Privacy
California Website Privacy
At California Bank of Commerce, N.A. we understand the importance of protecting the confidentiality of your personal information. This policy explains the information we may collect or request from you and what you can do to further protect your personal information.
Online Privacy Policy – Visiting CaliforniaBankofCommerce.com
If you visit our website to read information and do not use any of our online services, then we may collect and store certain information that helps us make our website more useful to visitors. This information may include 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.
Using Services on CaliforniaBankofCommerce.com
If you use the services provided at CaliforniaBankofCommerce.com, we may ask you to provide information 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 email 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 apply or register for products and services that we offer, or to accomplish transactions you request (such as bill payment or other banking services). This may result in sharing of Personal Information with affiliated third parties such as our data processors or service bureaus, as part of servicing your accounts or transactions.
Cookies
The term Cookie refers to small data files that are stored on your computer to collect, store, and sometimes track information when visiting websites. We use cookies in this manner; but, if you desire you may modify your browser to disable cookies, including session cookies from our website.
Essential Cookies:
These cookies are essential for enabling user movement around our website and providing access to features such as your profile and purchases, member-only resources, and other secure areas of the website. These cookies do not gather information about you that could be used for marketing purposes and do not remember where you have been on the internet. This category of cookies cannot be disabled.
Analytic Cookies:
We use Google Analytics cookies to collect information about how visitors use our website. These cookies collect information in the aggregate to give us insight into how our website is being used. We anonymize IP addresses in Google Analytics, and the anonymized data is transmitted to and stored by Google on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google.
Marketing Cookies:
We use marketing cookies to help us make sure that the ads you see on websites are relevant to you and your interests. Marketing cookies may be placed on your device by our third party service providers that remember you have visited our website in order to provide you with ads more relevant to you. We may use Marketing cookies to: collect information about browser habits to target advertising; collect information about browser habits to target website content; provide advertising agencies with information on your visit so that they can present you with advertisements you may be interested in.
You may also decide to send us information that personally identifies you, for example, in an electronic mail (email) 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 email, 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 California Bank of Commerce May Share Information
California Bank of Commerce does not disclose Personal Information to third-party persons about our customers or former customers except for 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.
Please be aware that other services, such as bill payment, provided by other companies via links to their website from California Bank of Commerce’s website, may not be subject to this or a similar policy. We encourage you to review their privacy policies before sharing Personal Information.
Process to Request Changes to Personal Information
California Bank of Commerce may wish to maintain complete and accurate information about you and your account (including information you have entered through CaliforniaBankofCommerce.com), 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) 283-2265 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 including but not limited to posting the revised online privacy notice on our website with a link at www.californiabankofcommerce.com on our home page.
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.
Security
California Bank of Commerce requires the use of a unique ID and a password to use the services offered. To deter unauthorized log in attempts, the system will lock out the user after three unsuccessful attempts. We have taken precautions to offer you systems that are protected; however, it is your responsibility to keep your Password, IDs, Account Numbers, and Personal Identification information confidential. Do not reveal your password to anyone.
- Do not write it down.
- Change your password regularly.
- Do not allow your browser to automatically save your password.
- Do not leave your computer unattended during a session.
- Log off when you are finished with the session.
While using online banking all communications are encrypted using Secure Sockets Layer (SSL). In order to provide this protected environment we require that you use a browser with 128-bit encryption.
California Consumer Privacy Act
Effective January 1, 2023
California Bank of Commerce, N.A. (“CBC”, “we”, “us”) is committed to protecting the privacy of Personal Information of all our clients and employees and we thank you for your trust and confidence.
CCPA Summary: The California Consumer Privacy Act of 2018 (CCPA) gives consumers control over the personal information that businesses collect. In general, the law gives consumers the right to:
- Know about the personal information a business collects about them and how the information is used and shared.
- Delete personal information collected (under limited circumstances).
- Opt-out of the sale or sharing of the consumer’s personal information; and,
- Not be discriminated against for exercising consumer rights under the CCPA law.
Businesses that are subject to the CCPA have responsibilities, including responding in a timely manner to consumer requests to exercise their CCPA rights and providing consumers with certain privacy notices.
In November of 2020, Proposition 24 (The California Privacy Rights Act (CPRA)) was approved, which amended the CCPA and added new additional privacy protections that became effective on January 1, 2023. These additional rights included:
- The right to correct inaccurate personal information that a business has about the consumer; and
- The right to limit the use and disclosure of sensitive personal information collected about the consumer.
The CPRA amended the CCPA; it does not create a separate, new law or supersede the older law. It should be noted that this Privacy Policy does not apply to information that is subject to the Gramm-Leach Bliley Act (GLBA). Please refer to CBC’s Privacy Policy Notice for additional details.
Personal Information: Information that identifies, relates to, or could reasonably be linked directly or indirectly with a California resident is considered “Personal Information”. The specific Personal Information that CBC collects, uses, and discloses that is covered by the CCPA will vary based on your relationship or interaction with us.
Personal Information does not include:
- Publicly available information from government.
- De-identified or aggregated consumer information.
- Information excluded from the CCPA’s scope including:
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- Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA).
- Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), and the GLBA.
We do not share or disclose your information except as allowed by law. We share (disclose) information only with those vendors or third parties providing servicing of your products and services and require that they not sell, share, or use your information for any other purpose.
Notice at Collection
Categories of Information
How We Use Personal Information
Identifiers:
Examples: A real name, postal address identification numbers such as Social Security number, driver’s license number, state identification card or passport number, or financial account credentials
- To fulfill or meet the purpose for which you provided the information.
- To provide you with support and respond to your inquiries.
- To process your requests, transactions and payments and prevent transactional fraud.
- Enable information security, detect security incidents and authenticate your identity.
- To engage in or maintain an employment relationship with you or for other employment related purposes.
- For payroll, tax and benefit purposes.
- To support our audit, legal, regulatory, and compliance obligations.
Personal Information:
Categories listed in the California Customer Records statute. Examples: A signature, telephone number, passport number, education, bank account number, credit card number, health insurance or health information.
- To fulfill or meet the purpose for which you provided the information.
- To provide you with support and respond to your inquiries.
- To process your requests, transactions and payments and prevent transactional fraud.
- Enable information security, detect security incidents, and authenticate your identity.
- To engage in or maintain an employment relationship with you or for other employment related purposes.
- For payroll, tax and benefit purposes.
- To support our audit, legal, regulatory, and compliance obligations.
Protected Classes Characteristics:
Examples: Age (40 years or older), race, citizenship, immigration status, marital status, sex, or veteran or military status.
- To fulfill or meet the purpose for which you provided the information.
- For Equal Employment Opportunity purposes.
- To support our audit, legal, regulatory, and compliance obligations.
Commercial Information:
Examples: Records of personal property, products, or services purchased, obtained, or considered
- To fulfill or meet the purpose for which you provided the information.
- To provide you with support and respond to your inquiries.
- To process your requests, transactions and payments and prevent transactional fraud.
- Enable information security, detect security incidents and authenticate your identity.
- To support our audit, legal, regulatory, and compliance obligations.
Biometric Information:
This topic may include fingerprints
- As a fraud protection tool to authenticate a person’s identity.
- To provide you with support and respond to your inquiries.
- Provide job related notifications, conduct research to assess job qualifications, background checks, and employment processing.
Internet or Other similar network activity:
Examples such as: Information regarding a consumer’s interaction with a CBC website or application, browsing history / search history, cookies, advertisements, or contents of personal messages, where the bank is not the intended recipient.
- To fulfill or meet the purpose for which you provided the information.
- To provide you support and respond to your inquiries.
- To process your requests, transactions and payments and prevent transactional fraud.
- Enable information security, detect security incidents and authenticate your identity.
- To support our audit, legal, regulatory, and compliance obligations.
Geolocation Data:
Examples such as device or personal location.
- To fulfill or meet the purpose for which you provided the information.
- To provide you with support and respond to your inquiries.
- To process your requests, transactions and payments and prevent transactional fraud.
- Enable information security, detect security incidents, and authenticate your identity.
- To support our audit, legal, regulatory, and compliance obligations.
Sensory Data:
Examples such as audio, electronic, visual, thermal, olfactory, or similar information.
- To protect, detect, investigate, report, and prevent financial crime.
- Support our audit, legal, regulatory, and compliance obligations, and exercise and defend legal rights.
- Maintain and service your account, including processing transactions.
- Enable information security, detect security incidents, authenticate your identity, and perform due diligence.
Professional or Employment-Related Information:
Examples such as employment related records including work history and prior employer, information from background checks, and resumes.
- To fulfill or meet the purpose for which you provided the information.
- To provide you with support and respond to your inquiries.
- Provide job related notifications, conduct research to assess job qualifications and employment processing.
- To support our audit, legal, regulatory, and compliance obligations.
Inferences:
Inferences drawn from other personal information such as profiles reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.
- To fulfill or meet the purpose for which you provided the information.
- To provide you with support and respond to your inquiries.
- To process your requests, transactions and payments and prevent transactional fraud.
- To engage in or maintain an employment relationship with you or for other employment related purposes.
Sensitive Personal Information:
Examples include social security, driver’s license, state identification card, or passport number; account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation, health information, racial or ethnic origin, or union membership; contents of a consumer’s mail, email, and text messages unless the bank is the intended recipient of the communication.
- To fulfill or meet the purpose for which you provided the information.
- To provide you with support and respond to your inquiries.
- To process your requests, transactions and payments and prevent transactional fraud.
- Enable information security, detect security incidents and authenticate your identity.
- To engage in or maintain an employment relationship with you or for other employment-related purposes.
- For payroll, tax and benefit purposes.
- To support our audit, legal, regulatory, and compliance obligations.
The “Selling” and “Sharing” of Personal Information: CBC does not sell or share your Personal Information as those terms are defined within the CCPA.
- In the previous 12 months, we have not sold information about consumers.
- In the previous 12 months, we have disclosed personal information to service providers for a business purpose to assist in providing products and services to you, to comply with legal or regulatory requirements and for employment related purposes.
Retention of Personal Information: We retain your Personal Information, including your Sensitive Personal Information, for the period necessary to fulfill our requirements unless a longer retention period is required or permitted by law. In many situations, we must retain all, or a portion, of your Personal Information, to comply with our legal obligations, resolve disputes, enforce our agreements, to protect against deceptive or illegal activity, or for another one of our business purposes.
Children’s Privacy: Our web site is not intended for use by children under the age of 13. We do not knowingly solicit data online from, or market online to, children under the age of 13. If we knowingly obtain personally identifying information in error on a child under the age of 13, we will delete that information from our systems.
How to Make Requests: To submit requests, please contact us by any of the following options:
Email:
In your request, please include the following:
- Your first and last name as well as middle initial, if applicable
- Telephone number where you can be reached during normal business hours (Monday through Friday 8 am to 5 pm PT)
- The last four digits of your account number (if you have one). If you have multiple accounts, please include the last four digits of the additional accounts.
- An email address
- Your physical addres
Response Timing: We will respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.
Once a request has been submitted, we will verify that you are the consumer the request applies to. If we are unable to verify your identity, we may contact you and ask you to provide additional information
Changes to this Policy: CBC reserves the right to amend this Privacy Policy Notice at any time. If changes are made, we will post the new policy on our website and change the “Last Updated” date. If required by law, we will send you notice of the change(s).
Mobile Privacy Disclosure
FACTS
WHAT DOES CALIFORNIA BANK OF COMMERCE DO WITH YOUR PERSONAL INFORMATION FROM THE MOBILE APPLICATION
Why?
The mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.
It is important for you to understand that:
- Before granting access to this information, you will be prompted to give the application that permission.
- If you do not wish to grant that permission, you may decline.
- If you later change your mind, those permissions can be updated in your device's settings.
What?
Some examples of information your app will request access to are:
- Location
- Contacts
- Camera
How?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.
Questions?
Please contact California Bank of Commerce at 858.847.4707 regarding questions about the information included in this Mobile Privacy Disclosure or questions about this application.
You can also access the bank’s fully Privacy Policy at Privacy Policy – California Bank of Commerce.
