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IMPORTANT INFORMATION
ABOUT PROTECTING YOUR PRIVACY
As financial service professionals entrusted with sensitive
financial information, we are committed to treating customer
information responsibly. At CVB Financial Corp. and its
family of companies, which include Citizens Business Bank,
CVB Ventures, Inc., Golden West Financial, Inc. and Community
Trust Deed Services (“we”, “our”
or “us”), we understand that our customers
(“you” or “your”) have an expectation
that the personal information you provide to us is to
be kept confidential. We welcome this opportunity to describe
our privacy policies and the steps that we take to protect
your customer information. Please keep a copy of this
notice for your records.
This policy applies to relationships with individual consumers
who obtain products or services for personal, family or
household purposes.
Security of Information
We are committed to the security of your financial and
personal information. We maintain physical, electronic,
and procedural safeguards that comply with federal standards
to guard your nonpublic personal information.
Collection of Information
We collect and retain information about you to identify
and communicate with you, to provide you with products
and services you have requested, to help us respond to
your questions, and to inform you about other financial
services that may be of interest to you.
Nonpublic personal information means information about
you that we collect in connection with providing a financial
product or service to you. Nonpublic personal information
does not include information that is available from public
sources, such as telephone directories or government records.
We collect the following types of nonpublic personal
information about you from the following sources:
- Information you provide to us on application forms
or other means about your identity, such as your name,
address, social security number, or driver’s license
number;
- Information you provide to us on application forms
or other means about your identity, such as your name,
address, social security number, or driver’s license
number;
- Information that we receive from you on applications
or other forms, such as information about your income
and assets;
- Information we receive from consumer reporting agencies,
such as your credit history and credit worthiness;
- Information from outside sources regarding their employment,
credit or other relationship with you or verifying representations
made by you, such as your employment history, loan or
credit card balances or your property insurance coverage;
- Information we receive from marketing analysis companies
for marketing purposes, such as economic and demographic
data.
Disclosure of Information Among
Our Family of Companies
The CVB Financial Corp. family of companies work together
to help you achieve your financial goals. We may share
certain information about you among our subsidiaries
and affiliated companies in order to process and service
your transactions, as well as to offer you additional
financial products and services that may be of interest
or value to you.
In order to evaluate your needs and to introduce you
to additional financial services, we are permitted to
share among our family of companies identification information
about you, such as name, address and telephone number,
as well as information about your transactions, account
history or other experience with us. This "experience
information" sharing can save you time and money
and make it easier for you to do business with us. For
example, if you have an account with one of our companies
and would like to open an account with another of our
companies, we may share information about your transactions
and accounts. This may prevent you from having to furnish
the same information multiple times.
In addition, the Fair Credit Reporting Act permits
us to share among our family of companies "non-experience
information" about you. Non-experience information
is information that is not related to our transactions
or other experience with you. We may receive non-experience
information about you from applications and other forms
or from outside sources such as credit reporting agencies.
Disclosure of Information to
Non-Affiliated Third Parties
We may disclose all of the information we collect,
as described in the Collection of Information section
above, to companies that perform marketing services
on our behalf or to other financial institutions with
whom we have joint marketing agreements to offer financial
products and services to you. Examples of these types
of companies would be financial service providers, such
as securities broker-dealers and credit card issuers.
We require these companies to contractually agree to
keep the information that we provide them confidential,
and to use the information only to provide the services
we have asked them to perform for you and us.
We may also disclose nonpublic personal information
about you or our former customers to non-affiliated
third parties as permitted or required by law. For example,
we may disclose nonpublic personal information about
you in response to a subpoena.
Limiting the Disclosure of Information Within our Family
of Companies and With Non-Affiliated Third Parties
You have the right under the Fair Credit Reporting
Act, to advise us that you do not want us to share non-experience
information among our family of companies. The process
of advising us that you do not want us to share non-experience
information about you is called "opt-out".
In addition, if you prefer that we not share information
with non-affiliated third parties, you may opt-out of
those disclosures (other that those permitted by law).
Send your request to Citizens Business Bank, Attn: Privacy
Manager, P.O. Box 51000, Ontario, CA 91761. Please provide
your full name and street address; account number(s);
and telephone number on your request. Please note that
it may take up to 30 days to process your request. Once
your request has been process, it will remain in effect
for the life of the account(s) unless you revoke it.
Disclosure of Information in
Other Situations
We may disclose nonpublic personal information about
you as necessary to effect, administer, or enforce transactions
that you have requested or authorized, or in connection
with servicing or processing a financial product or
service you have requested or authorized. In addition
we may disclose nonpublic personal information about
you to maintain or service your accounts with us or
as otherwise described below. We normally disclose information:
- When it is necessary or helpful to complete a transaction;
- To verify the existence and condition of your account
for a third party, such as a merchant, another financial
institution or a credit reporting agency;
- In response to an inquiry about sufficient funds to
cover a check you have written;
- To other companies, financial institutions and networks
which may be involved in processing your transactions;
- To an account verification service, in addition to
a credit reporting agency, if we close your account
due to unsatisfactory handling, fraud, attempted fraud
or suspected criminal activity;
- To comply with a law, regulation, legal process or
court order which applies to us or an affiliate;
- To local, state or federal authorities, if we believe
a crime has been committed;
- To paying agencies after the death or incapacity of
a recipient or beneficiary of recurring direct deposit
payments;
- To our agents and affiliates and to third parties
who perform services or functions on our behalf to facilitate
the delivery of information related to your accounts
or other financial services that may be of interest
to you;
- Independent contractors, such as technical system
consultants who program our software to help us administer
our products or market our own products to you;
- In response to requests by our regulatory agencies
or requests by agents of the company or its affiliated
companies, such as accountants, auditors, consultants
or attorneys;
- When you authorize us to.
Our Associates’ Access
to and Use of Information
We limit access to customer information to those associates
(employees) who need to know that information to provide
products and services to you. We train our associates
to recognize the importance of maintaining the confidentiality
of customer information. Associates that violate these
standards are subject to disciplinary measures.
Accuracy of Information
We understand the importance of keeping your account
information accurate and up to date. We provide you
with access to your account information through periodic
statements, telephone banking and online banking. If
you discover that your account information is incomplete,
inaccurate or not current, please call or write to us
at the telephone number or address listed on your account
statement, bank records or other documentation. We will
promptly investigate your inquiry and update or correct
any erroneous information.
Information About Our Privacy Policy
This disclosure is available in our business locations
and will be provided to you annually as long as you
maintain an ongoing relationship with us. The examples
contained within this policy are illustrations and they
are not intended to be exclusive. We reserve the right
to make changes to this policy at any time. We will
notify you if we do so.
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.
If you have any questions or comments, you can contact
us at:
CVB Financial Corp.
Attention: Privacy Manager
P.O. Box 51000
Ontario, CA 91761
(909) 980-4030
You may also contact us via our website at www.cbbank.com.
Fiduciary Information
When we act as fiduciary or trustee, your fiduciary
information is subject to even more stringent limits
on information sharing, both within and outside the
Bank. Please contact your Trust Officer if you have
any questions about the protection of your fiduciary
information.
ONLINE PRIVACY AND SECURITY
Cookies
We will occasionally use a "cookie" for the
purpose of providing improved service. A cookie is a
small bit of information given to your browser by a
Web site, which can later be retrieved. A cookie is
a way for a Web site to recognize whether or not you
have visited the site before. The cookie can only be
read by the Web site that "set" the cookie.
We use cookies for administrative purposes, such as
online banking session management, or where you are
able to customize the information you see. The use of
cookies makes your online experience easier and more
personal. Most cookies last only through a single session,
or visit. They do not read your hard drive or contain
any information that you have not already explicitly
revealed. None will contain information that will enable
anyone to contact you via telephone or e-mail. Your
Web browser can be set to inform you when cookies are
set or to prevent them from being set. However, if you
elect to prevent cookies from being set, some Web banking
functions may not work properly.
Cache Storage of Web Site Information
Internet browser software typically stores - or "caches"
- information from the Web site being visited on the
hard drive of the browsing computer for a period of
time. This means that information viewed or input during
a visit to a Web site can usually be viewed again merely
by hitting the "Back" button in the browser
application. (Some Web sites issue a "no-cache"
command to browsers to prevent temporary "cache"
storage from occurring.) To provide optimum performance
to those who visit our Web site, we do not send a no-cache
command to browsers.
To prevent others from viewing confidential information
cached on the computer's hard drive during your visit
to our Web site, you must clear your cache before leaving
your computer accessible to another person.
E-mail Security
Internet e-mail is not secure. When sending an e-mail
to us, do not provide sensitive or confidential information
(for example, your account number). You may contact
our ServiceLine at 1(888) 222-5432 (toll-free) during
business hours, Monday through Friday between 8:00 a.m.
to 6:00 p.m. or visit any of our offices if you need
assistance.
Linking to Other Sites
We may provide links to other Web sites that are not
controlled by Citizens Business Bank. If you choose
to link to Web sites that are not controlled by Citizens
Business Bank, we are not responsible for the privacy
or security of these sites. You are encouraged to review
the Web site’s privacy policy before providing
any personal information. In addition, Citizens Business
Bank does not guarantee the products, information or
recommendations provided by these sites.
Aggregation Sites
Aggregation sites are Internet sites that allow you
to consolidate account information from several sources
on one site. To do this, an aggregation provider may
request access to your personal financial information.
You should ensure that the aggregator company has adequate
policies to protect the privacy and security of any
information you provide or to which they are gaining
access, and that you trust the aggregator company.
If you provide information about your Citizens Business
Bank accounts to an aggregator company, we will consider
that you have authorized all transactions initiated
by an aggregation site using access information you
provide, whether or not you were aware of a specific
transaction. If you decide to revoke the authority you
have given an aggregator company, it is important that
you notify us to ensure that you may continue to access
your account.
Children's Privacy
Our Web site is directed to a general audience. We
do not knowingly solicit or collect personal information
from children on our site.
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