CUSTOMER INFORMATION PRIVACY PRINCIPLES
Protecting The Privacy Of Our Customers
What Information We Collect And How We Use It
Employee Access To Your Information
Restrictions On The Disclosure Of Account Information
Use Of Our Internet Web Site
Providing Privacy Information To Customers And Responding To Inquiries
At Bay Cities Bank, our mission is to meet the desires of our customers. As financial services professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy Principles serve as standards for all Bay Cities Bank employees for collection, use, retention, and security of individual customer information.
We believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for Bay Cities Bank.
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We collect, retain, and use information about our customers only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to the customers. We collect and retain information about customers only for specific business purposes - and we will tell the customer why we are collecting and retaining it upon their request. We use information to protect and administer customer records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand the customers' financial needs so that we can provide quality products and superior service.
For example, for loan applications and new account forms, information regarding customer financial status such as employment, income, monthly expenses and assets generally comes directly from the customer voluntarily, in person, by mail or through our web site.
For credit and repayment history, Bay Cities Bank utilizes third party sources such as credit bureaus and other creditors.
Bay Cities Bank also maintains information about customer transactions with Bay Cities Bank including account balances, repayment history and other information.
We continually strive to maintain complete and accurate information about the customer and their accounts. Customers should contact us if they ever believe that our records contain inaccurate or incomplete information. We will investigate customer concerns and correct any inaccuracies.
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Bay Cities Bank employees are permitted access to the information they need to perform their jobs. Bay Cities Bank maintains strict internal policies against unauthorized disclosure or use of customer information.
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We do not reveal specific information about customer accounts or other personally identifiable data to third parties for independent use unless:
- The customer requests or authorizes it;
- The information is provided to help complete a customer initiated transaction;
- The information is provided to a reputable credit bureau or similar information reporting agency;
- The disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non-Bay Cities Bank companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.
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The personal information a customer provides us over the Internet allows us to respond quickly to questions about our available products and services. We will also use this information to furnish customers with information and suggestions about other products and services we believe may be of interest and benefit to the customer.
Bay Cities Bank's security standards safeguard the customers' personal information submitted by computer in several ways. Encryption helps protect private data from interception by a third party. We have also installed passcodes and other safety features to ensure the information customers provide us on the Internet is safe and secure.
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Bay Cities Bank recognized and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call Bay Cities Bank at (813) 281-0009 or e-mail us at customerservice@bay-cities-bank.com.
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