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Privacy Policies

glba pRIVACY POLICY


  What Does PRESIDIO 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 other identifying information
  • Account balances and payment history
  • Credit history and credit scores
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 Presidio Bank chooses to share; and whether you can limit this sharing.

REASONS We CAN Share Your Personal Information

Does Presidio 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 Do Not Share
For our affiliates’ everyday business purposes
information about your transactions and experiences
Yes No
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
For non-affiliates to market to you No We Do Not Share

WhO WE ARE

Who is providing this notice?    Presidio Bank
 

What We Do

How does Presidio 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 personal information about you to those employees who need to know that information to provide products and services to you.
How does Presidio Bank collect my 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 ATM/Debit Card
We also collect your personal information from others such as credit bureaus 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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
(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. Presidio Bank does not share with affiliates.
Non‑Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies. Presidio Bank does not share with non affiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. Presidio Bank does not jointly market.

CALIFORNIA CONSUMER PRIVACY ACT POLICY

Heritage Bank of Commerce (the “Bank”) and all applicable subsidiaries comply with all requirements of the California Consumer Privacy Act of 2018 (“CCPA”).

Your Right to Know About Personal Information Collected, Disclosed, or Sold

 

A consumer has the right to request that we disclose what personal information we collect, use, disclose, and sell.

If you wish to submit a verifiable consumer request for personal information we collect, use, disclose or sell you should do one of the following:

  • Call 1 (800) 742-8142;
  • Send an e-mail to CCPA@herbank.com; or
  • Ask your branch representative to provide you with a form for your request

When you submit a Request to Know (“RTK”), the Bank will verify your identity. We will ask you for your name, address, and other pieces of information pertinent to your request.  

 
Collection of Personal Information (“PI”)

 

Below is a list of categories of personal information we have collected about consumers in the preceding 12 months. For each category identified we have also provided the categories of sources from which we collected the personal information, the business or commercial purpose for collecting the information, and the categories of third parties with whom we share the personal information:

 

Categories of PI We Collect
  • Identity Data, such as name and government-issued identifier (e.g., First Name, Maiden Name, Last Name, username or similar identifier, date of birth, Social Security number);
  • Personal information Data, as defined in the California safeguards law, such as contact information and financial information (e.g., postal address, email address and telephone numbers);
  • Characteristics of protected classification data under California or federal law, such as sex and marital status;
  • Financial Data including bank account and payment card details.
  • Transaction Data including details about payments to and from your bank accounts with us or other details of products and services you have purchased from us.
  • Usage Data, including information about how you use our Site, products and services.
  • Geolocation Data, such as device location and Internet Protocol (IP) location;
  • Biometric Data, such as audio, electronic, visual and similar information, such as call and video recordings;
  • Professional or employment-related Data, such as work history and prior employer.
  • Education Data, such as student records and directory information.

Categories of Sources from Which We Collect the PI

  • Directly from a California resident or the individual’s representatives
  • Service Providers, Consumer Data Resellers and other third parties;
  • Public Record Sources (Federal, State or Local Government Sources);
  • Information from our Affiliates;
  • Website/Mobile App Activity/Social Media;
  • Information from Client Directed Third Parties or Institutions representing a Client/Prospect;
  • Information from Corporate Clients about individuals associated with the Clients (e.g., an employee or board member).
Our Business or Commercial Purpose for Collecting the PI
  • Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services;
  • Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;
  • Activities to verify or maintain the quality or safety of a service controlled by us, and to improve, upgrade, or enhance the service controlled by the business;
  • Debugging to identify and repair errors that impair existing intended functionality. Undertaking internal research for technological development and demonstration;
  • Complying with laws and regulations and to comply with other legal process and law enforcement requirements (including any internal policy based on or reflecting legal or regulatory guidance, codes or opinions).

Categories of Third Parties with Whom We Share the PI

  • Affiliates of Heritage Bank of Commerce;
  • Vendors and Service Providers who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure, customer service, email delivery, auditing, marketing and marketing research activities;
  • Partners and Third Parties who provide services such as payment, banking and communication infrastructure, storage, legal expertise, tax expertise, notaries and auditors, who promote the bank and its financial services and products to customers and other prospective buyers
  • Other Third Parties who enable customers to conduct transactions online and via mobile devices;
  • Government Agencies as required by laws and regulations.

 

Disclosure or Sale of Personal Information

We have not sold any personal information about consumers in the preceding 12 months for a business or commercial purpose.

We DO NOT sell the personal information of minors under 16 years of age without affirmative authorization.

 

Disclosed for Business Purpose

We have disclosed personal information about consumers to third parties for a business or commercial purpose in the preceding 12 months:

Below is a list of the categories where we have shared consumer information with third parties in the preceding 12 months for Business Purposes:

Business Purposes

  • Auditing of bank records for compliance with state and federal banking regulation;
  • Detecting security incidents, protecting against malicious, deceptive, fraudulent or illegal activity, and prosecuting those responsible for that activity;
  • Performing services on behalf of the Bank, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders or transactions, verifying customer information, processing payments, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider; and
  • Undertaking internal research for technological development and demonstration.

 

Rights under the CCPA

 

Right to Request Deletion of Personal Information

You have the right to request the deletion of any personal information about you which we have collected or maintained, subject to certain exceptions.  

If you wish to submit a request to delete the personal information we collected or maintain about you, you may call us at (800) 742-8142, or e-mail us at CCPA@herbank.com.

In order to verify your identity we will ask you for information, including but not limited to personal identity and information data, and information about your relationship with Heritage Bank. Heritage Bank may contact you to confirm your identity and comply with your request.  

We will endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. Any disclosures we provide will only cover the 12-month period preceding the verifiable request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

 

Right to Opt-Out of the Sale of Personal Information

You have the right to opt out of the sale of your personal information.

Heritage Bank of Commerce does not sell your information.

 

Right to Non-Discrimination for the Exercise of Your Privacy Rights

You have a right not to receive discriminatory treatment by us for the exercise of any privacy rights conferred by the California Consumer Privacy Act.

 

Authorized Agent

You may designate an authorized agent to make a request under the California Consumer Privacy Act on your behalf by providing the agent written permission to make the request. We will verify your identity with the authorized agent.

 

Contact for More Information

For more information, please call us at (800) 742-8142, or e-mail us at CCPA@herbank.com.