Privacy Statement
Our Privacy Notice
Your privacy is important to us. At Tri-Valley Bank, we are dedicated to providing you with responsive and personalized service. We understand that our customers furnish sensitive information to the Bank in the course of daily business; we are committed to respect the privacy of our customers and to safeguard sensitive information that has been entrusted to us.
The following privacy notice outlines our Bank’s practices regarding personally identifiable financial information for consumers, including those consumers who become our customers as well as former customers. This notice applies only to individual consumers and their representatives who obtain a financial product or service from us primarily for personal, family or household purposes.
We may change this notice at any time and if so will give you any notice then required by law.
Types of Personal Information Collected
We may collect nonpublic personal information about you from the following sources:
- Information you provide to us on applications or forms (such as your name, address, social security number, assets and income);
- Information about your transactions with us, our affiliates, or third parties, such as your account balance, payment history, parties to transactions, credit usage and employment history.
- Information we receive from third parties such as credit bureaus relating to your creditworthiness, credit score or other matters.
Information Disclosed by the Bank
The Bank does not disclose any nonpublic personal information about our customers or former customers, to affiliate or nonaffiliated third parties, except as permitted by law.
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"As permitted by law" includes disclosing information in order to service or process your loan or deposit account, respond to lawful subpoenas, prevent fraud, comply with banking laws and audits, record documents in public records, share information with credit bureaus and as directed by you.
We also may share all of the personal information that we collect about you, as described above, with third parties that perform marketing services on our behalf.
The Confidentiality and Security of Your Information
Tri-Valley Bank restricts access to nonpublic personal 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 that comply with federal standards to keep your nonpublic personal information safe.
Online Privacy Policy Effective July 1, 2008
(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 http://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.