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Privacy Policy
Introduction
Ventura County Business Bank recognizes the importance of protecting and preserving
customer information, and customer privacy is very important to us. When customers place
their banking business with the bank the expectation is that the bank will honor their
trust with a commitment to privacy. At the same time, Ventura County Business Bank wants
to offer the variety of financial products and services that the customer needs and which
are consistent with the communities that the bank serves.
Ventura County Business Bank regards confidentiality and protection of customer
information as a fundamental responsibility and has adopted this "Privacy Policy" to
prevent misuse of our non public personal information.
Bank Information Management Practices
The privacy notice applies to individuals who apply for or obtain a financial product or
service from Ventura County Business Bank primarily for personal, family or household
purposes, or the individual’s legal representative. We may add to or revise this notice at
any time and will notify you if then required by law. The bank collects retains and uses
information about the customer only when there is reason to believe that it will help to
administer the bank's business or provide services to customers, within the parameters of
the law. The information collected is only for specific business purposes. The bank tells
the consumer and customer the reasons for collecting the information and how, and whether,
it will be disclosed outside the bank. This information is conveyed when a relationship is
initiated and annually in the Privacy Notice to all customers.
Categories of Information That We Collect
We collect the following categories of information:
- Information that we receive from you on loan
applications, signature cards and other forms
- Information regarding your transactions with us
- Information that we receive from
consumer reporting agencies
Use of Information
The information is used:
- To protect and administer the customer's records, accounts and funds.
- To comply with certain laws and regulations.
- To help to design or improve products and services.
- To understand the customer's financial needs so that the bank can provide quality service.
Maintenance of Accurate Information
The accuracy of bank information understandably is a major concern for customers. Ventura
County Business Bank makes every attempt to maintain complete and accurate information
about customers. If a customer believes that the bank's records contain inaccuracies or
incomplete information, the customer is urged to advise the bank as soon as possible. The
bank is committed to responding to customer concerns promptly and completely.
Limitations on Employee Access to Information
Employee access to personally identifiable information is limited to that for which there
is a business reason requiring such information. At Ventura County Business Bank,
employees are required to follow the bank's employee policies, which each employee signs.
Those policies affirm that all customer information is private and privileged and that
customer information is to be used solely for the purpose of providing the customer with
the best possible product or service.
Employees who violate these policies are subject to punitive action, up to, and including,
termination.
The Confidentiality, Security and Integrity of Your Non-Public Personal Information
We restrict access to non-public personal information about you to those employees who
need to know that information in order to provide products or services to you. We maintain
physical, electronic, and procedural safeguards that comply with federal regulations to
guard your non-public personal information.
Restrictions on the Disclosure of Account Information
Data is exchanged with reputable information reporting agencies to maximize the accuracy
and security of such information. Additionally, information may be exchanged in the
performance of legitimate business activities, such as:
- Originating, administering, servicing or enforcing a transaction requested or authorized
by a customer.
- Servicing or processing a financial product or service requested or authorized by a
customer.
- Maintaining or servicing a customer's account.
- Maintaining or servicing a customer's account through an affiliate relationship (such as a
private label credit card or similar account relationship). Whenever we provide
confidential information to a third party, we insist that the third party adhere to
privacy principals at least as strict as ours, to keep that information confidential.
- Due diligence relating to the sale of assets in the secondary market, including actual
secondary market sales and securitization.
- Actions to protect the security and confidentiality of a covered entity' s records, such
as protecting against fraud, risk control, resolving customer disputes or inquiries, or
responding to inquiries from representatives of the customer.
- Responding to inquiries from risk assessment agencies, including rating organizations and
insurance companies.
- Conducting business with the institution's accountants, lawyers and other advisors.
- Responding to enforcement actions or examinations arising from responsible government
entities.
- Providing data to a consumer-reporting agency in accordance with the Fair Credit Reporting
Act.
- Otherwise complying with applicable federal or state laws and regulations.
Otherwise it is the bank's policy not to reveal specific information about customer
accounts or other personally identifiable data to unaffiliated third parties for their
independent use, unless:
- The information is provided to help complete a customer initiated transactions.
- The customer requests or permits it.
- The disclosure is required by or allowed by law, such as a subpoena, investigation, or
similar legal requirement, or
If the customer has been informed about the possibility of disclosure for marketing or
similar purpose through a prior communication and given the opportunity to decline.
In particular, account numbers are not disclosed, except as provided by law.
Information About Former Customers
We have the same policy about disclosing information about former customers as we do about
current customers.
Disclosure of Non Public Personal Information for Marketing Purposes
Ventura County Business Bank will not disclose customer information to another party for
marketing purposes, unless:
- The information is provided to complete a customer transaction.
- The customer requests such disclosure.
- The disclosure is required by law.
Non-Public Personal Information and non-Affiliated Third Parties
Since the bank values its customer relationship with you, the bank will not disclose your
non-public personal information to non-affiliated third parties, except as permitted by
law.
Special Information Applicable to Electronic (Internet) Banking
Ventura County Business Bank's "Privacy Policy" will apply to customer's confidential and
private information with regard to both traditional and non-traditional (i.e. Internet)
banking activities. However, due to the unique nature of the Internet and the ease with
which information can be exchanged, Ventura County Business Bank feels it is important for
customers to be aware of the unique issues surrounding Internet Banking. Ventura County Business Bank operates a general audience website.
Ventura County Business Bank collects generic information about visitors through our
website through the use of "cookies" placed on the visitor's hard-drive. These cookies tie
certain information we may track, such as the date and time of access, the activities in
which the visitor engages while on our website, the Internet Service Provider's address,
the web browser used and other information.
Ventura County Business Bank requires customers to utilize specific passwords for access
to confidential and private information. Ventura County Business Bank reminds customers of
their responsibility to safeguard login IDs and passwords. In addition, commercial
customers should carefully screen those employees to whom user IDs and passwords are
granted.
Ventura County Business Bank utilizes encryption, firewall, router, third party
verification procedures and other sophisticated security software and hardware to help
prevent unauthorized eavesdropping of and access to customers' confidential and private
information. However, no one can guarantee that all of these measures will prevent
unauthorized access to our processing system and the data therein.
Ventura County Business Bank utilizes up-to-date computer virus protection software to
help prevent the spread of computer viruses. However, we cannot guarantee that we will be
able to prevent computer viruses from being spread to those who access our website.
Ventura County Business Bank reminds all of our customers that links in the institution's
website may be to websites not under our control. These websites will not necessarily
comply with Ventura County Business Bank's "Privacy Policy" and security standards.
Ventura County Business Bank reminds all of our customers that confidential and private
information may be compromised in both traditional and non-traditional banking activities.
Ventura County Business Bank can only establish policies and procedures to help restrict
use of and access to confidential and private information. If any Ventura County Business
Bank customers believe that confidential and private information has been compromised,
please contact Ventura County Business Bank immediately so that the potential breach can
be investigated.
Providing Privacy Information to Customers and Responding to Inquiries
The Privacy Policy of Ventura County Business Bank will be
- Disclosed in writing at the time that the banking
relationship is established;
- and
Disclosed to all customers, at least annually.
Comments or Complaints by Customers
Any comments or complaints about this policy; any privacy-related issue or any inaccuracy
in customer data can be made by contacting:
Privacy Officer
366 W. Esplanade Dr.
Oxnard, CA 93036-1219
(805) 604-7600 (805) 604-4447 Fax
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