INTRODUCTION
Desert Commercial Bank understands the importance of protecting the confidentiality of your personal information. When customers place their business with the Bank the expectation is that the Bank will honor their trust with a commitment to privacy. At the same time Desert Commercial Bank wants to offer the variety of financial products and services that the customer needs and which are consistent with the communities that the Bank serves.
Desert Commercial Bank regards confidentiality and protection of customer information as a fundamental responsibility and has adopted this “Privacy Policy” to prevent misuse of our customers’ non-public personal information.
BANK INFORMATION MANAGEMENT PRACTICES
The privacy notice applies to individuals who apply for or obtain a financial product or service from Desert Commercial Bank primarily for personal, family or household purposes, or the individual’s legal representative. The information collected is only for specific business purposes. The bank tells the consumer and customer the reasons for collecting the information and how, and whether, it will be disclosed outside the bank. This information is conveyed when a relationship is initiated and annually in the Privacy Notice to all customers.
INFORMATION WE COLLECT
We collect nonpublic customer information from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us or others; and
- Information we receive from a consumer-reporting agency.
We may share all of the information we collect as described above, as
permitted by law.
We do not provide information for the purpose of marketing with other companies.
Should Desert Commercial Bank change this policy, customers will be notified and
presented with an opportunity to "opt out."
OUR MAINTENANCE OF ACCURATE INFORMATION
We have procedures in place to help ensure that your financial information is
accurate, current, and complete in accordance with commercial standards. Our
procedures include steps for responding to customer requests to correct
inaccurate information in a timely manner and processes to update information
and remove old information if necessary.
LIMITING EMPLOYEE ACCESS TO INFORMATION
Desert Commercial Bank limits access to customers' confidential and private
information to employees with legitimate business reasons for knowing such
information. We educate our employees about the importance of confidentiality
and customer privacy, and we take appropriate disciplinary measures to enforce
employee privacy responsibilities.
SECURITY PROCEDURES TO PROTECT INFORMATION
We maintain security standards and procedures to help prevent unauthorized
access to confidential information about you. We maintain physical, electronic,
and procedural safeguards that comply with federal regulations to guard your
non-public personal information.
MAINTAINING CUSTOMER PRIVACY IN BUSINESS RELATIONSHIPS
WITH THIRD PARTIES
Whenever we do provide specifically identifiable customer information to a third
party, we require that the third party protect the confidentiality of this
information and that they adhere to similar "Privacy Principles”. Information
may be exchanged in the performance of legitimate business activities, such as:
- Originating, administering, servicing or enforcing a transaction requested or authorized by a customer.
- Servicing or processing a financial product or service requested or authorized by a customer.
- Maintaining or servicing a customer's account.
- Actions to protect the security and confidentiality of a covered entity' s records, such as protecting against fraud, risk control, resolving customer disputes or inquiries, or responding to inquiries from representatives of the customer.
- Responding to inquiries from risk assessment agencies, including rating organizations and insurance companies.
- Conducting business with the institution's accountants, lawyers and other advisors.
- Responding to enforcement actions or examinations arising from responsible government entities.
- Providing data to a consumer-reporting agency in accordance with the Fair Credit Reporting Act.
- Otherwise complying with applicable federal or state laws and regulations.
DISCLOSING OUR PRIVACY COMMITMENT TO YOU
We want to be sure that you understand our commitment to personal privacy and
our use of information. Desert Commercial Bank has published these "Privacy
Principles" so that our customers may have a better understanding of our
commitment to safeguarding confidential and private information.
INFORMATION ABOUT FORMER CUSTOMERS
We have the same policy about disclosing information about former customers as
we do about current customers.
SPECIAL INFORMATION APPLICABLE TO ELECTRONIC (INTERNET)
BANKING
Desert Commercial Bank's "Privacy Policy" will apply to customer's confidential
and private information with regard to both traditional and non-traditional
(i.e. Internet) banking activities. However, due to the unique nature of the
Internet and the ease with which information can be exchanged, Desert Commercial
Bank feels it is important for customers to be aware of the unique issues
surrounding Internet Banking. Desert Commercial Bank operates a general audience
website.
Desert Commercial Bank collects generic information about visitors through our
website through the use of "cookies" placed on the visitor's hard-drive. These
cookies tie certain information we may track, such as the date and time of
access, the activities in which the visitor engages while on our website, the
Internet Service Provider's address, the web browser used and other information.
Desert Commercial Bank requires customers to utilize specific passwords for
access to confidential and private information. Desert Commercial Bank reminds
customers of their responsibility to safeguard login IDs and passwords. In
addition, commercial customers should carefully screen those employees to whom
user IDs and passwords are granted.
Desert Commercial Bank utilizes encryption, firewall, router, third party
verification procedures and other sophisticated security software and hardware
to help prevent unauthorized eavesdropping of and access to customers'
confidential and private information. However, no one can guarantee that all of
these measures will prevent unauthorized access to our processing system and the
data therein.
Desert Commercial Bank utilizes up-to-date computer virus protection software to
help prevent the spread of computer viruses. However, we cannot guarantee that
we will be able to prevent computer viruses from being spread to those who
access our website.
Desert Commercial Bank reminds all of our customers that links in the
institution's website may be to websites not under our control. These websites
will not necessarily comply with Desert Commercial Bank's "Privacy Policy" and
security standards.
Desert Commercial Bank reminds all of our customers that confidential and
private information may be compromised in both traditional and non-traditional
banking activities.
Desert Commercial Bank can only establish policies and procedures to help
restrict use of and access to confidential and private information. If any
Desert Commercial Bank customers believe that confidential and private
information has been compromised, please contact Desert Commercial Bank
immediately so that the potential breach can be investigated.
CONTACT INFORMATION REGARDING PRIVACY OR
CONFIDENTIALITY ISSUES
For any comments or complaints about this policy, any privacy-related issue or
any inaccuracy in customer data, please contact:
Desert Commercial Bank
44-801 Village Court
Palm Desert, California 92260
Phone 760 340-7595, Fax 760 340-7599
customerservice@desertbanking.com
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