WHAT DOES FIRST CALIFORNIA BANK DO WITH YOUR PERSONAL INFORMATION?
WHY?
Financial companies choose how they share your personal
information. Federal law gives consumers the right to limit
some but not all sharing. Federal law also requires us
to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand
what we do.
WHAT?
The types of personal information
we collect and share depend on the product or service
you have with us. This information can include:
social
security number and account balances
payment history
and transaction history
overdraft history and account
transactions
When you are no longer our customer, we continue to
share your information as described in this notice.
HOW?
All financial companies need to share customers’ personal
information to run their everyday business. In the section
below, we list the reasons financial companies can share
their customers’ personal information; the reasons
First California Bank chooses to share; and whether you
can limit this sharing.
Reasons we can share your personal information
Does First California Bank share?
Can you limit
this sharing?
For
our everyday business purposes –
such as to process your transactions, maintain your account(s),
respond to court orders and legal investigations, or
report to credit bureaus
Yes
No
For
our marketing purposes –
to offer our products and services to you
Yes
No
For joint marketing with other financial companies
No
We don't share
For
our affiliates’ everyday business purposes –
information about your transactions and experiences
No
We don't share
For
our affiliates’ everyday business purposes –
information about your creditworthiness
How does First
California Bank protect my personal information?
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.
How does First
California Bank collect my personal information?
We collect your personal information,
for example, when you
open an account or deposit money
pay your bills or
apply for a loan
use your debit card
We also collect your personal information from others,
such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to
limit only
sharing for affiliates’ everyday business
purposes – information about your creditworthiness
affiliates
from using your information to market to you
sharing
for nonaffiliates to market to you
State laws and individual companies may give you additional
rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership
or control. They can be financial and nonfinancial companies.
First
California Bank has no affiliates.
Nonaffiliates
Companies not related by common ownership
or control. They can be financial and nonfinancial companies.
First
California Bank does not share with nonaffiliates so
they can market to you.
Joint Marketing
A formal agreement between nonaffiliated
financial companies that together market financial products
or services to you.
