WHAT DOES OJAI COMMUNITY BANK, VENTURA COMMUNITY BANK/SANTA PAULA COMMUNITY BANK/SANTA BARBARA COMMUNITY BANK, as divisions of Ojai Community Bank (COLLECTIVELY THE “BANK” FOR PURPOSES OF THIS PRIVACY DISCLOSURE) DO WITH YOUR PERSONAL INFORMATION?
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.
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 Account Balances
Payment History and Transaction History
Credit History and Credit Scores
When you are no longer our customer, we continue to share your information as described in this notice.
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 the BANK chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Ojai Community 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 to report to credit bureaus
For our marketing purposes – to offer our products and services to you
We do not share
For joint marketing with other financial companies
We do not share
For our affiliates’ everyday business purposes – information about your transactions and experiences
We do not share
For our affiliates everyday business purposes – information about your creditworthiness
How does the BANK protect my personal 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does the BANK collect my personal information?
We collect your personal information, for example, when you
Open an account or make deposits and withdrawals from your account
Pay your bills or apply for a loan
Use your debit or credit card
We also collect your personal information from others, such as credit bureaus, affiliates, 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 nonaffiliates 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.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
The BANK does not share with our affiliates.
Companies not related by common ownership or control. They can be financial or non-financial companies.
The BANK does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
The BANK does not jointly market.
Other Important Information
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.