What Does Five Star Bank Do With Your Personal Information?
Rev. Date 9/14
| 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:
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| 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 Five Star Bank chooses to share, and whether you can limit this sharing. |
| Reasons We Can Share Your Personal Information | Does Five Star 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 |
No | We Do Not Share |
| For joint marketing with other financial companies | No | We Do Not Share |
| For our affiliates’ everyday business purposes – information about your transactions and experiences |
No | We Do Not Share |
| For our affiliates’ everyday business purposes – information about your creditworthiness |
No | We Do Not Share |
| For our affiliates to market to you | No | We Do Not Share |
| Questions: Call toll-free: 1-800-416-6117 |
| What We Do | |
|---|---|
| How does Five Star Bank protect my 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. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. |
| How does Five Star Bank collect my information? | We collect your personal information, for example, when you
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| Why can’t I limit all sharing? | Federal law gives you the right to limit only
(See below for more on your rights under state law.) |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and non-financial companies. Five Star Bank does not share with affiliates. |
| Non‑Affiliates | Companies not related by common ownership or control. They can be financial and non-financial companies. Five Star Bank does not share with non-affiliates. |
| Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you. Five Star Bank does not jointly market. |
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Other Important Information
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| In accordance with California law, Five Star Bank will not share information we collect about California residents with companies outside of Five Star Bank, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable California law. | |
California Consumer Privacy Act Notice
Notice and Policy for the California Consumer Privacy Act
Five Star Bank is committed to maintaining the security of the personal information collected from its consumer customers. The following describes the information we may collect about you, how it may be shared, and your rights connected with that information.
CATEGORIES OF INFORMATION WE MAY COLLECT
Identifiers such as:
Your request to us must be a verifiable request, meaning we must be able to verify your identity and that the personal information that we collected relates to you. We will acknowledge your request within 10 business days, and provide the requested information within 45 days. If we need more time, we will inform you of the reason for the delay during this time period and may extend the time to respond up to an additional 45 days. You may request this information up to two times per 12 month period. We reserve the right to verify the legitimacy of all requests, using any information you have given us, or any transactional information we have. We are prevented from providing the following:
The right to have your information deleted
Federal laws may govern our retention of your information; however, anything we are not required to maintain under those guidelines may be deleted. You may request deletion of specific information by contacting us in one of the ways described above. Exceptions to our deletion responsibilities include information necessary to:
Five Star Bank is committed to maintaining the security of the personal information collected from its consumer customers. The following describes the information we may collect about you, how it may be shared, and your rights connected with that information.
CATEGORIES OF INFORMATION WE MAY COLLECT
Identifiers such as:
- Name;
- Alias;
- Addresses;
- Online identifiers;
- Email address;
- Social Security number;
- Driver's license and/or passport number or similar identification;
- Internet Protocol address;
- Geolocation data;
- Records of personal property;
- Products or services purchased, obtained, or considered;
- Account numbers;
- Information regarding your interaction with our web site;
- Professional or employment-related information;
- Financial information; and/or
- Publicly available information
SOURCES FROM WHICH WE OBTAIN INFORMATION - Information you provide to us when applying for or opening a deposit account or loan, or any related services;
- Information received from credit reporting agencies;
- Information from third-party identity verification services;
- Internet search engines, including social media;
- Job application with us; and/or
- Government entities
USE OF THE INFORMATION WE COLLECT - To approve or decline loan and/or deposit account applications;
- To service those products and services you have with us;
- To consider your job application for hiring; and/or
- With consultants and auditing firms, with information shared for institution risk analysis and mitigation.
SHARING AND DISCLOSING OF INFORMATION
We do not share your information except as allowed by law. We share information only with those vendors providing servicing of your products and services, and require they not sell, share, or use your information for any other purpose. We share information with consultants and auditors for institutional risk analysis and mitigation.
SELLING OF INFORMATION
Five Star Bank does not sell the information it collects.
OPTING OUT OF OUR SELLING
Because Five Star Bank does not sell the information it collects, you do not have, nor do you need, the right to opt out of our selling your information. If at a future date, the Bank decides to sell the information it collects, you will be notified in advance, and given the opportunity to opt out.
YOUR RIGHTS
The right to know what personal information is collected about you
The types of information we collect are listed under the general categories (identifiers) above.
The right to access your personal information
To obtain the specific information we have collected about you, please submit a request by:
We do not share your information except as allowed by law. We share information only with those vendors providing servicing of your products and services, and require they not sell, share, or use your information for any other purpose. We share information with consultants and auditors for institutional risk analysis and mitigation.
SELLING OF INFORMATION
Five Star Bank does not sell the information it collects.
OPTING OUT OF OUR SELLING
Because Five Star Bank does not sell the information it collects, you do not have, nor do you need, the right to opt out of our selling your information. If at a future date, the Bank decides to sell the information it collects, you will be notified in advance, and given the opportunity to opt out.
YOUR RIGHTS
The right to know what personal information is collected about you
The types of information we collect are listed under the general categories (identifiers) above.
The right to access your personal information
To obtain the specific information we have collected about you, please submit a request by:
- Completing a Contact Us Form located at https://fivestarbank.com/contact-us
- Calling (800) 416-6117
Your request to us must be a verifiable request, meaning we must be able to verify your identity and that the personal information that we collected relates to you. We will acknowledge your request within 10 business days, and provide the requested information within 45 days. If we need more time, we will inform you of the reason for the delay during this time period and may extend the time to respond up to an additional 45 days. You may request this information up to two times per 12 month period. We reserve the right to verify the legitimacy of all requests, using any information you have given us, or any transactional information we have. We are prevented from providing the following:
- Your social security number;
- Driver’s license or other government-issued identification number;
- Financial account number;
- Any health insurance or medical identification number (if we have it);
- Account passwords or security questions and answers
The right to have your information deleted
Federal laws may govern our retention of your information; however, anything we are not required to maintain under those guidelines may be deleted. You may request deletion of specific information by contacting us in one of the ways described above. Exceptions to our deletion responsibilities include information necessary to:
- Complete the transaction for which the information is collected;
- Provide a good or service requested by you or reasonably anticipated within the context of our ongoing business relationship with you;
- Perform a contract between us and you;
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or to prosecute those responsible for that activity;
- Debug to identify and repair errors;
- To enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
- Comply with a legal obligation;
Otherwise use your information internally in a lawful manner that is compatible with the context in which you provided the information.
To request that information be deleted, please complete the Contact Us Form located on our website, https://www.fivestarbank.com or call us at (800) 416-6117.
The right to non-discrimination for the exercise of your Consumer Privacy Rights under this Act
You have the right not to receive discriminatory treatment by us for the exercise of your privacy rights conferred by the California Consumer Privacy Act (CCPA).
The right to allow an authorized agent to make a request
You may designate an authorized agent to make a request under the CCPA on your behalf. We retain the right to verify the legitimacy of that designation, and to identify both you and the agent. We will identify you with information you have previously provided to us and with information about your account(s) or transactions.
The right to opt-out of the sale of personal information where we might otherwise sell it.
Because Five Star Bank does not sell the information it collects, you do not have, nor do you need, the right to opt out of our selling your information. If at a future date, the Bank decides to sell the information it collects, you will be notified in advance, and given the opportunity to opt out.
To request that information be deleted, please complete the Contact Us Form located on our website, https://www.fivestarbank.com or call us at (800) 416-6117.
The right to non-discrimination for the exercise of your Consumer Privacy Rights under this Act
You have the right not to receive discriminatory treatment by us for the exercise of your privacy rights conferred by the California Consumer Privacy Act (CCPA).
The right to allow an authorized agent to make a request
You may designate an authorized agent to make a request under the CCPA on your behalf. We retain the right to verify the legitimacy of that designation, and to identify both you and the agent. We will identify you with information you have previously provided to us and with information about your account(s) or transactions.
The right to opt-out of the sale of personal information where we might otherwise sell it.
Because Five Star Bank does not sell the information it collects, you do not have, nor do you need, the right to opt out of our selling your information. If at a future date, the Bank decides to sell the information it collects, you will be notified in advance, and given the opportunity to opt out.