Privacy Policy

Online Privacy Policy

Effective October 1, 2018

Partners Bank of California (“we” and “us”) respects your desire for privacy and is committed to maintaining the confidentiality of your personal financial information. This document outlines our privacy policy for consumer visitors to our website (“Site”). If you are a consumer who has a continuing relationship with us, please see our Privacy Notice for additional details about our treatment of your personal financial information.

Visitors to Our Site.

Visitors to our Site remain anonymous, unless they register for a service or otherwise elect to disclose their identity to us. Although we do not collect personally identifying information about persons who simply visit our Site, we do collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the Internet). We also may place “cookies” on a computer to track a visitor’s use of our Site. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our Site and make its navigation easier for you. We sometimes use cookies to help estimate the number of visitors to our Site and to determine which areas are the most popular. Unless you register with us for a service (such as our online banking service), the cookie does not provide us with any personally identifying information about you, such as your name or address.

Our Collection of Information About You.

We may collect nonpublic personal information about you in order to understand your needs, administer our business, process transactions, and provide you with products and services. We obtain nonpublic personal information about you from the following sources when you request or obtain services from us:

Information we receive from you on applications or other forms (such as your name, address, social security number, assets and income);
Information about your transactions with us or others (such as your account balance, payment history, parties to transactions, and credit usage); and
Information we receive from a consumer reporting agency (such as your creditworthiness and credit history).

Our Disclosure of That Information.

We may disclose information about you, your accounts and transactions: (a) where it is necessary or helpful to effect, process or confirm your transactions; (b) to verify the existence, history and condition of your account for credit reporting agencies; (c) to comply with legal process, such as subpoenas and court orders; (d) to law enforcement authorities if we believe a crime has been committed; (e) if you give us your consent; and (f) as otherwise permitted by law.

We do not disclose nonpublic personal information about our current or former customers to others, except as set forth in our Privacy Notice.

Online Activity.

There are a number of third parties (e.g., social media companies and advertising networks) that may build profiles based on your browsing activity across one or more websites over time. That information may be used, among other things, to target specific advertisements to you. If a third party cookie or similar tracking device is placed on your computer by one of these companies, it may be able to collect information about your browsing activity at our Site. In addition, our Site may contain advertisements, tools, or other services provided by third parties that may collect information about your online browsing activities over time and across different websites. We do not share nonpublic personal information about you except in accordance with these terms and our Privacy Notice.

Your internet browser may contain tools to request that websites not track your online activities. Industry standards for this technology are evolving and we currently do not respond to or take any action with respect to the “do not track” settings in your internet browser.

State Rights.

Depending on where you live, you may have additional privacy protections under some state laws. For example, certain state laws may restrict the types of information we may disclose about you, limit the parties with whom we may share such information, or require us to provide you with additional notices or opt-out rights. We will comply with applicable state laws before sharing nonpublic personal information about you. We may do this by sending a separate notice of those rights to you.

Maintaining Accurate Information.

We have procedures in place that help us to maintain the accuracy of the personally identifiable information that we collect. Please contact your branch of account or call our customer service at (949) 732-4000, if you believe that our information about you is incomplete, out-of-date, or incorrect. If you are an online banking customer of ours, visit our Site at www.pbofca.com to review and correct information about yourself, such as a change in your name, address or email address.

Information Security.

We restrict access to nonpublic personal information about you to those employees who have a need to know such information (e.g., to process your transactions or provide services to you). We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Links to Other Websites.

Our Site may feature links to third party websites that offer goods, services or information. Some of these sites may appear as windows-within-windows at this Site. When you click on one of these links, you will be leaving our Site and will no longer be subject to this policy. We are not responsible for the information collection practices of the other websites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

Services and Advertisements by Third Parties.

Third parties may offer services from time to time at our Site. If you provide them with information, their use of that information will be subject to their privacy policy, if any, and will not be subject to this policy. If you accept third party goods or services advertised at our Site, the third party may be able to identify that you have a relationship with us (e.g., if the offer was only made through our Site).

Minors.

We feel strongly about protecting the privacy of children and teenagers. As such, we do not knowingly collect personally identifiable information from minors through our Site.

Changes to this Policy.

We may add to, delete, or change the terms of this Online Privacy policy from time to time by sending you a notice or posting a notice of the change (or an amended Online Privacy policy) at this Site. If required by law, we will send you a notice of the change. Your continued use of our Site or any online service following notification will constitute your agreement to the revised Online Privacy policy.

Questions.

If you have any questions regarding this Online Privacy policy, you can call us at: (866) 323-2741 or (949) 732-4000.

Please do not send sensitive information such as account numbers, social security numbers or other sensitive information via email; as we are unable to verify your identity.

Download our Online Privacy Policy.

Rev. June 2021

Privacy Notice

FACTS	WHAT DOES PARTNERS BANK OF CALIFORNIA 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 income Account balances and payment history Account transactions and overdraft history 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 reason Partners Bank of California chooses to share; and whether you can limit the sharing.

Reasons we can share your personal information	Does Partners Bank of California 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 don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes – information about your credit worthiness	No	We don’t share
For non-affiliates to market to you	No	We don’t share

QUESTIONS?	Call 1-866-323-2741 or go to www.pbofca.com

Who we are
Who is providing this notice?	Partners Bank of California
What we do
How does Partners Bank of California 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.
How does Partners Bank of California collect my personal 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 debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit my 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 nonfinancial companies. Partners Bank of California has no affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Partners Bank of California does not share with any non- affiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Partners Bank of California does not jointly market.
Other important information
Information for our California Customers: For California customers: We will not share personal information we collect about you with non-affiliates either for them to market to you or for joint marketing except as permitted by California Privacy Laws, such as to process your transactions to maintain your account.

Partners Bank of California customers can download a copy of our consumer Privacy Notice.

Website Terms of Use

Effective October 1, 2018

Your Use of this Site

Welcome to our website (“Site”). Your use of this Site will be subject to the following terms and conditions. Please read them carefully. By accessing this Site or using any of its services (“Service”), you are agreeing to these terms. If you do not want to be bound by this agreement, you should leave this Site.

Intellectual property laws protect original material that we post at this Site. You are granted a non-exclusive license to access the content on this Site and to print copies of any content only for your personal use. Except as expressly provided above, all rights are reserved. Among other things, except to the extent required for the limited purpose of reviewing material on our Site, electronic reproduction, adaptation, distribution, performance or display is prohibited. Commercial use of any content is prohibited.

In this agreement, the terms “we”, “us” and “Bank” refer to Partners Bank of California and the companies that have helped to create and support this Site.

Certain Services may be subject to limitations that are not expressly stated below. Please check the other portions of this Site for additional details. We assume no responsibility if a Service becomes unavailable for any reason or fails to meet your requirements.

Your Compliance with Laws and Site Guidelines

You agree to comply with the laws that apply to your use of this Site and/or the Services. You also agree not to engage in any activities that: (a) encourage a violation of any law or regulation by others; (b) abuse, harass, stalk, defame, impersonate or invade the privacy of another; (c) infringe the rights of any third party, including intellectual property, business, contractual and fiduciary rights; (d) are in any way connected with the transmission of “junk mail,” “spam,” “pyramid scheme” solicitations, chain letters, or any other mass distribution of unsolicited e-mail; (e) interfere with the functioning of the Site or any linked web site; or (f) involve sending abusive, obscene, hateful or otherwise offensive content by means of any Service. You also agree to comply with the rules of the internet service providers, networks, hosting and telecommunication services, servers, computer databases, and web sites that you access or use in conjunction with this Site and/or the Services.

Your Privacy/Security

Please see the Partners Bank of California Online Privacy Policy and Privacy Notice for details regarding the manner in which we collect and use information about you, maintain the confidentiality of your personally identifiable information, and use technology and procedures to maintain security.

You agree to: (a) notify us immediately if you become aware of any unauthorized use of your account, any breach in the confidentiality of your account records, or any breach or attempted breach of security involving the Site or the Services; and (b) avoid accessing or attempting to access the non-public areas of this Site or any other user’s password-protected information.

Linked Sites and Advertisements

You may be able to access web sites operated by third parties from this Site. Unless we tell you otherwise in writing, we do not operate or control any of the information, products or services on such linked sites. You acknowledge and agree that: (a) you access such linked scallites at your own risk; (b) we make no representation or warranty, and assume no responsibility for, any linked site or the actions or omissions of its owners or operators; (c) we make no endorsement of, and assume no responsibility for, any goods or services offered by the companies that “power” or support this Site or any other site; and (d) although we may have a contractual or other relationship with the operators of a linked site, we will not be responsible for the content, accuracy, integrity or operation of their site.

Third parties may offer goods and services to you through marketing that is made available at or through this Site. Unless we expressly state otherwise, we make no endorsement regarding such parties, and we make no representation, recommendation or warranty with respect to their goods, services or advertising. You agree to hold us harmless in connection with our selection of third party advertisers, as well as their actions and omissions.

Limitation on Liability and Warranty Disclaimers

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. NEITHER THE BANK NOR ITS SERVICE PROVIDERS MAKE ANY WARRANTY, EXPRESS OR IMPLIED REGARDING THIS SITE, ITS CONTENT, THE SERVICES, THE GOODS OR SERVICES ADVERTISED BY THIRD PARTIES VIA THIS SITE OR LINKED SITES, OR THE SUBJECT MATTER OF THIS AGREEMENT. ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE EXPRESSLY DISCLAIMED TO THE GREATEST EXTENT PERMITTED BY LAW. WE ASSUME NO RESPONSIBILITY FOR THE UNAVAILABILITY OF THIS SITE, FOR VIRUSES CREATED BY THIRD PARTIES, OR FOR INFORMATION PROVIDED BY THIRD PARTIES. NO CONTENT AVAILABLE AT OR THROUGH THE SITE SHALL CREATE ANY WARRANTY.

EXCEPT TO THE EXTENT OTHERWISE REQUIRED BY LAW, WE WILL NOT BE LIABLE TO YOU FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, INCIDENTAL OR SIMILAR DAMAGES, WHETHER OR NOT THEY ARE FORESEEABLE, INCLUDING CLAIMS FOR LOSS OF GOODWILL, PROFITS, DATA, USE OF MONEY OR PRODUCTS, STOPPAGE OF WORK OR IMPAIRMENT OF ASSETS, WHETHER ARISING OUT OF BREACH OF EXPRESS OR IMPLIED WARRANTY, BREACH OF CONTRACT, NEGLIGENCE, MISREPRESENTATION, STRICT LIABILITY OR OTHERWISE.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. To the extent these laws apply to you, some of the provisions set forth in this agreement may not apply.

We will not be liable to you for any failure or delay in performing the Services or making the Site available for your use if the failure or delay is due to: (a) causes beyond our reasonable control; (b) natural catastrophes; (c) governmental actions or omissions; (d) the application of any law, payment system rule, governmental guideline or regulation; (e) terrorism; (f) labor strikes or difficulties; (g) communication system breakdowns; (h) hardware or software failures; (i) viruses introduced by third parties; (j) our inability to confirm your identity or your authority to act; or (k) our inability to procure supplies or materials or access the networks through which we operate the Services.

You agree to indemnify, defend and hold us, our affiliates, the vendors that assist us in providing Services, and our respective directors, officers, employees and agents harmless from and against all claims, actions, proceedings, damages and costs (including attorney’s fees) related to or arising out of: (i) your use of this Site or the Services; (ii) the actions or omissions of third parties who advertise at our Site or through linked sites; (iii) our reliance on instructions that are accompanied by your password or security code; or (iv) your breach of these terms.

Proprietary Information

You acknowledge and agree that the software used by us in the operation of this Site, and the copyright, patent, trademark, trade secret and all other proprietary rights in and to the technology, designs, graphics, marks and software used by us for this Site and the Services, are proprietary to us and our licensors. As such, you will not gain any ownership or other right, title or interest in or to them by reason of this agreement or otherwise. You may not reverse engineer, modify, or de-compile any of the technology that we make available to you. You agree not to engage in the practice known as “screen- scraping” in an attempt to obtain a list of our Site users. You agree to comply with the terms of any license agreement we make available to you with any software.

Termination

We may terminate your use of the Site and any of the Services at any time without cause. The terms of this agreement will continue to apply following its termination to any obligations incurred or arising prior to its termination.

Amendments

We may add to, delete from, or change the terms of this agreement by posting a revised agreement at the Site or by sending you a written or electronic notice. Your continued use of the Site or Services after such notice will be evidence of your agreement to the changes. As such, you should visit this page periodically.

Governing Law

The validity, interpretation and legal effect of this agreement will be governed by the laws of the State of California, without reference to its conflict of law provisions. We make no representation that the materials in or the content of this Site are appropriate or available for use in all locations. If you are accessing this Site from outside the United States, for example, you agree to comply with any local laws that apply to your access and use of this Site or the Services.

Minors

We feel strongly about protecting the privacy of children and teenagers. As such, we do not use this Site to collect or use any personal information from persons we know to be under the age of majority, and will remove personally identifying information about such minors from our system.

Notices

You may send notices to us at Partners Bank of California, Attn: Customer Service, 27201 Puerta Real, Suite 160, Mission Viejo, CA 92691. We may send notices to you at your postal or email address, or by posting a message on this Site.

Severability

If any provision of this agreement is found to be invalid or unenforceable, the remainder of this agreement will continue in effect.

Waiver

Any waiver of the provisions of this agreement must be in writing to be valid. No waiver will occur as a result of a usage of trade, custom or practice.