ONLINE PRIVACY STATEMENT AND POLICY
Privacy Statement
Recognition of your Expectation of Privacy
At Friendly Hills Bank, we value our clients and take pride in offering financial services that meet our clients' individual needs. We respect the trust our clients have in Friendly Hills Bank and place the highest priority on their privacy. Technological advances have created the ability for businesses to collect information in increasing amounts. Consumers are concerned about the impact this may have on their privacy. We are sensitive to the importance of these concerns. As a client of Friendly Hills Bank, you can rely on responsible treatment of any personal information you share with us. Our goal is to protect your confidential information no matter how we receive it: in person at one of our branch locations, through our ATM', over the telephone, or online at our Internet website. This privacy statement principally governs Friendly Hills Bank's use of non-public personal consumer information.
Non-Public Personal Information (NPI) Non-public information includes information that is provided on an application or in a consumer report, account balance and history. Other non-public information includes any list, descriptions, or other grouping of consumers that is created using non-public information, whether or not the list also includes public information.
Information that is not considered non-public information includes any list, description, or grouping that is created using only public information. Information gathered using government records, such as real estate records or security interest filings, widely distributed media, such as a telephone book or newspaper, or legally required disclosures to the general public.
Example: A borrower’s name including current loan balances would be non-public; however, the fact that a borrower has a real estate loan with the bank is public information since the deed of trust is available from public government records.
Collection, Retention and Use of Personal Client Information
We collect, retain, and use individual client information only when we reasonably believe it would be useful, and allowable by law, to administer to our business needs in providing products, services and other opportunities to our clients. We will tell you why we are collecting and retaining the information upon your request. In the conduct of business, we use:
- Information we receive from you on applications or other loan and account forms such as your name, address, social security number, assets, liabilities, employment, income and expenses;
- Information about your transactions with us, any affiliates, or others such as your loan or deposit balance, payment history, parties to transactions and debit or credit card usage; and
- Information we receive from a consumer-reporting agency or similar reporting agency, such as "your creditworthiness and credit history".
When you use our Online Banking services, the Bank and the third party businesses that assist us in delivering this service to you will have access to your personal information. This information is retained on the Bank's system or our agent's systems in order to provide you with the requested services.
Restrictions on the Disclosure of Account Information to Parties Other Than Friendly Hills Bank Companies
We do not reveal client account or other personally identifiable information to unaffiliated third parties for their independent use. However, we may exchange information with reputable reporting agencies to maximize the accuracy and security of the information. Client account information may be revealed under certain circumstances including, but not limited to:
- Providing information to help complete a client initiated transaction;
- Responding to a client’s formal request to disclose their own account information;
- Disclosing information that is required by or allowed by law (subpoena, the investigation of fraudulent activity, compliance with Federal regulation, etc.); and
- Responding to a request by others who have signing authority over the account giving the Bank oral or written permission to release the information.
Maintaining Client Privacy in Business Relationships with Third Parties
Whenever we provide client information to third party vendors, we insist that these vendors and service companies agree to safeguard our confidential information about you and your products and services with us and abide by applicable law.
Maintenance of Accurate Client Information
At Friendly Hills Bank, we believe it is important that the information maintained about your account(s) is accurate, current and complete in accordance with reasonable business standards. Internal controls are maintained to help ensure the accuracy of such information. If you believe that such information is inaccurate or incomplete, please contact us. We will take prompt steps to make appropriate corrections.
If you wish to review information regarding your accounts, please visit one of our offices during regular business hours. Depending on the research required to compile the requested information, the Bank may charge a fee for such services as described in the "Deposit Account Disclosure" you received when you opened your account. The Bank will provide you with an estimate of such a fee. If they are unable to comply with your request, the reasons why will be explained (i.e., information no longer exists or is impractical to retrieve).
Employee Access to Information and Use of Client Information
We limit our employees' access to personally identifiable client information and require them to have a valid business reason for knowing such information. We educate our employees so they understand the importance of client confidentiality and privacy, and we take appropriate disciplinary measures to enforce employee privacy responsibilities. In addition, our Code of Conduct provides the standards that each employee is expected to meet in protecting the privacy and confidentiality of our clients and any information about our clients supplied to us. Our employees are prohibited from discussing or disclosing client information (whether inside or outside of the bank), unless required to do so to transact business on behalf of the Bank.
Protection of Information via Established Security Procedures
The Bank has established security standards and procedures to guard and protect client information against unauthorized access. These controls and procedures are periodically reviewed and tested to ensure that these practices or processes protect your confidential information. In addition, management and staff are able to access your information only if and when they have a business reason.
Disclosure of Privacy Principles to Clients
Clients might have special privacy concerns regarding Friendly Hills Bank's services on the Internet. We are equally concerned about privacy on the Internet and are committed to the same Privacy Principles with regard to our clients' information. If at any time you have a concern about your information security or privacy issues, you may contact us by e-mail at onlinesupport@friendlyhillsbank.com; by telephone at (562) 947-1920; or in writing to Friendly Hills Bank, P.O. Box 4489, Whittier, CA. 90607.
IMPORTANT NOTICE
Privacy Guidelines
Please read the following privacy guidelines carefully. When you access and use the Friendly Hills Bank website, you indicate your acknowledgement and acceptance of the privacy guidelines below. This website and/or the privacy guidelines may change without any prior or subsequent notice to the user.
HYPERLINKS
Hyperlinks to other Internet resources are furnished as a convenience to our clients. Once you click on a link, you will be leaving Friendly Hills Bank's website and accessing an independent website. The Bank does not warrant or endorse the products, services or information provided on or through any independent website, nor are the Bank's privacy policies or security procedures applicable when you link to any such website. Rather, if you have privacy, security or quality concerns, you should inquire of the operator of the independent website and you should always use up-to-date "computer virus" protection whenever you use the Internet.
WEBSITE INFORMATION
Friendly Hills Bank's website is public and not password protected. When any person visits our website, the Bank may collect certain basic information, such as how many people visited the site and what pages were visited. All of the information gathered at our website is general. Friendly Hills Bank uses this general information to determine: (1) which parts of the website are most popular, (2) how people access the site, (3) how it can improve the content of the web pages, and (4) how service can be improved to our clients.
HOW WE HANDLE E-MAIL
The Bank's website includes the capability to correspond with the Bank. This e-mail is not a secure form of communication. It is recommended that you do not send e-mail messages containing any personal, private or sensitive information, such as account numbers, mother's maiden name, user ID's and/or passwords. This e-mail correspondence should be for the purpose of asking general questions of a non-sensitive and non-confidential nature. Friendly Hills Bank will collect the e-mail addresses of those who correspond with the Bank via e-mail and any information that is provided to the Bank.
About "Cookies"
To provide better service and a more effective website, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our web page server. These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address.
Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our web site and for a number of administrative purposes.
PROTECTING OUR CHILDREN
At Friendly Hills Bank we do not knowingly solicit data from children and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.
PRODUCTS & SERVICES
This website, and the products and services that are described or offered through the website, can be amended in whole or in part or terminated at any time. Users of the website shall have no right to expect the continuation of any part of the website nor any products and services that are described or offered through the website. Some products and services may not be available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by the Bank.
All information submitted by you via this website may be used by the Bank in any manner that complies with the applicable laws and regulations, and, the policies of the Bank.
NO WARRANTIES
All express and implied warranties are expressly excluded and disclaimed. Without limiting the generality of the preceding sentence, the Bank disclaims any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. The information and materials contained as part of this site are provided on an "as is" and "as available" basis. The Bank does not warrant the accuracy, adequacy or completeness of this information and materials, and it expressly disclaims liability for errors or omissions in this information and materials
LIMITATION OF LIABILITY
In no event shall the Bank be liable for any damages (including without limitation any direct, indirect, special, incidental, or consequential damages), losses or expenses arising in connection with the website, the use of the website, or the inability of anyone to use the website. The Bank shall also not be liable for any damages, losses, or expenses that arise in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, or computer or system failure, The Bank shall not be liable for such damages, losses or expenses even though it or its representatives are advised of the possibility of such damages, losses, or expenses.
COPYRIGHT
The Bank or a third party vendor own the copyright to the pages and the screens displaying the pages that appear on this website.
TRADEMARKS AND SERVICE MARKS
The Bank or a third party vendor own the claim trademark and service mark rights in marks contained in the pages.
NO WAIVER
No waiver of any of the foregoing privacy guidelines shall be effective unless it is in writing and signed by an authorized officer of the Bank, and no waiver shall be deemed to imply or constitute a continuing waiver or a waiver of any other term or condition.
GOVERNING LAW
The laws of the State of California govern these privacy guidelines.
Friendly Hills Bank reserves the right to change our Privacy Statement, these Privacy Guidelines and any related provisions at any time.
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