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 Privacy
& Security
Golden Coast Bank recognized the importance of protecting the privacy
of our customer’s personal financial information. The Bank is committed
to keeping personal financial information confidential and secure.
The Bank refers to this information as personally identifiable
information. Personal financial information is collected when
individuals (the Bank’s former/current/future customers) obtain or
request a financial product or service at our banking offices, by
telephone, by our website, via ATMs.
Personal financial information includes:
- Information to identify our customers such as name, street
address, e-mail address, phone number, social security number, and
date of birth.
- Information about our customer’s transactions with us, or others,
account balance, payment history, third parties to transactions.
- Information we receive from a consumer reporting agency, such as
customer creditworthiness and credit history.
- Information customers provide to the Bank to obtain a loan or a line
of credit such as assets, income and debt.
- Information from outside sources such as verification of
employment, credit card and property insurance coverage.
We do not sell our customer personal information to anyone. We do not
share personal information with any other company except to maintain or
collect accounts, process transactions, and service customer requests,
to the extent permitted by law. We may disclose information we collect,
as described above to:
Information related to customers, such as name and address, to companies
that perform marketing services on our behalf (e.g. mass mailing
company) all these companies are contractually to agree to apply the
same privacy law that the Bank applied, safeguard personal information
and keep confidential any information of our customers that we give
them.
Information about our customer’s accounts and transactions and necessary
to effect, administer, or enforce transactions that our customers have
requested or authorized in connection with servicing or processing a
financial product or service, or to maintain account(s) with us, such as
a credit card company, a bill payment provider, and electronic data
service provider, check printer, ATM provider.
We normally disclose information:
- When the customer gives authorization
- When it is necessary in completing a transaction
- In response to an inquiry about sufficient funds in the account to
cover a check that has been written
- To a credit reporting agency, if we close an account due to
unsatisfactory handling, fraud, attempted fraud, or criminal activity
- To other companies, financial institutions and networks that are
involved in processing customer transactions
- To paying agencies after the death or incapacity of a recipient or
beneficiary of recurring direct deposit payments
- To local, state or federal authorities if the Bank believes a
crime has been committed
- To comply with a law, regulation, legal process or court order
- In response to request by our regulatory agencies or request
agents of the Bank or its affiliates, such as independent auditors,
consultants or attorneys
INTERNET INFORMATION
Golden Coast Bank recognizes the trust customers have placed in us
and our responsibility regarding their financial privacy. It is our
responsibility to keep sensitive financial and personal information
confidential. We are committed to the protection of our customers’
privacy.
Web Site Security
Golden Coast Bank has implemented technology to ensure that any
sensitive personal information provided or any account information
received on-line is transmitted in a safe and secure manner. Special
secure-connection hardware and software (commonly called “firewalls”)
are in place to ensure the security of online communication of
information.
We require customers to utilize specific passwords for access to
confidential and private information. Golden Coast Bank reminds
customers of their responsibility to safeguard Login IDs and passwords.
In addition, commercial customers should carefully screen those
employees to whom Login IDs and passwords are granted.
Web Site Privacy
Our Web Site includes sections that are public (not password
protected) and areas that are password protected (for example,
individual customer banking areas). When any person visits the public
areas of our Web Site, we may collect certain basic information, such as
how many people visited our site and what pages were visited. Unlike the
personal information that a customer provides and views with respect to
his/her personal banking relationship (which is subject to the security
procedures described above), all of the information gathered in the
public areas of the Web Site is general. We use this general information
to determine which parts of the Web Site are most popular, how people
access the site, how we can change the content of the Web pages to make
them more helpful and how we can improve customer service. Also included
in Golden Coast Bank’s Web Site is the capability for a customer to
correspond with the Bank. This correspondence, via e-mail, may be for
the purpose of asking general questions, requesting literature, or
responding to bank promotions. These activities may include sharing some
personal information with Golden Coast Bank. We preserve e-mail
addresses, the content of your e-mail and any information provided (for
example site registration or survey information) in order to more
efficiently handle any follow-up questions you may have. We also do this
to meet legal and regulatory requirements. E-mail is not a secure
connection. In responding to customer inquiries we will not include
confidential account information. For your protection, never send any
nonpublic information such as your social security number or account
number via e-mail. You may contact Golden Coast Bank by phone, U.S.mail,
or by a visit to your nearest banking office.
California State Rights:
We will comply with applicable state laws before sharing personal
information about you.
We restrict the access to personal information about our customers and
consumers requesting products or services to our employees who need to
know such information in order to perform (e.g. to process transactions
or provide service). We maintain physical, electronic and procedural
safeguards that comply with federal standards to protect personal
information.
We commit ourselves to keep the accuracy of the personal information
that we collect. If you believe that our information about you in
incomplete, out-of-date, or incorrect, please writes us at:
Golden Coast Bank
Compliance Department
850 Long Beach Blvd.
Long Beach, CA 90813
Tel: (562) 216-6388
In order to comply with the law, Golden Coast Bank will provide the
privacy statement annually. We may update this privacy statement from
time to time. We will send you the change notices as required by law.
Please write to following address to obtain the privacy statement:
Golden Coast Bank
Compliance Department
850 Long Beach Blvd.
Long Beach, CA 90813
Tel: (562) 216-6388
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