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Understanding and
Protecting Your Privacy
Protecting your privacy is important to
Mission Community Bank, affiliated companies
and our employees.
We want you to understand what
information we collect and how we use it. In
order to provide our customers with a broad
range of financial products and services as
effectively and conveniently as possible, we
use technology to manage and maintain
customer information. Our privacy policy,
described below, applies not only to our
written files, but also to personal
information you provide us through
transactions you conduct online, by
telephone, or when you send us e-mail. The
following policy serves as a standard for
all Mission Community Bank and affiliate
companies' employees for collection, use,
retention, and security of nonpublic
personal information.
Mission Community Bancorp • Mission
Community Bank
Mission Community
Development Corporation • Mission Community
Services Corporation
Privacy Disclosure
Notice
What Information We Collect and
Retain:
We may collect and retain "nonpublic
personal information" about you from the
following sources:
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Information we receive from you on applications or other loan and account forms;
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Information about your transactions with us, our affiliates or others; and
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Information we receive from third parties such as credit bureaus.
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"Nonpublic personal information" is information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.
What
Information
We Disclose:
We are
permitted
under law to
disclose
nonpublic
personal
information
about you to
other third
parties in
certain
circumstances.
For example,
we may
disclose
nonpublic
personal
information
about you to
third
parties to
assist us in
servicing
your loan or
account with
us, to
government
entities in
response to
subpoenas,
to merchants
and other
banks for
verification
of funds,
and to
credit
bureaus. We
do not
disclose any
nonpublic
personal
information
about you to
anyone,
except as
permitted by
law. In
addition, we
may disclose
the above
described
information
to companies
that perform
marketing
services on
our behalf.
If you decide to close your account(s) or
become an inactive customer, we will
continue to adhere to the privacy policies
and practices described in this notice.
Our Security Procedures :
We also take steps to safeguard customer
information. We restrict access to your
personal and account information to those
employees who need to know that information
to provide products or services to you.
Employees who violate these standards will
be subject to disciplinary measures. We
maintain physical, electronic, and
procedural safeguards that comply with
federal standards to guard your nonpublic
personal information.
We may change this Notice or our privacy
practices from time to time and will give
you such notice as may be required by law.
Additional Information and Questions:
If you would like additional information, or
have questions regarding our Privacy Policy,
please telephone us at (805)782-5000 or
contact us through our website:
www.missioncommunitybank.com
You may also write us or stop by one of
our branches and discuss your questions with
anyone within our staff.
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Online Privacy Policy
Effective December 3, 2004
(Pursuant to the California Online Privacy
Protection Act of 2003)
Personal Information in
Electronic Banking
How we handle information about you when
you visit our website will depend on what
you do when visiting the site.
"Just Visiting" Our Website. If
you visit our website to read information
and do not use any of our online services,
then we collect and store only the name of
the domain from which you access the
Internet, the date and time you access our
website and the Internet address of the
website from which you linked directly to
our website. We may record the “IP address”
assigned to you by your internet service
provider as part of this process. We use the
information we collect to measure the number
of visitors to the different sections of our
site, and to help us make our website more
useful to visitors.
Using Services. When you visit our
website, or use our electronic banking
services, there may also be times when you
are asked to provide information about you
that is personally identifiable ("Personal
Information"). This may include any of the
following:
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Your first, middle and last name,
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your home or other physical address
(including street name and name of a city or
town),
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your e-mail address,
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a telephone number,
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social security number,
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account number,
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date of birth,
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mother’s maiden name, and
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password or any other identifier that
permits physical or online contact with you.
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Personal Information might be needed or
requested from you for you to register for
banking or other services, or to fill out
our forms or applications for services (such
as credit cards), for special promotions or
contests, or to accomplish transactions you
request (such as bill payment or other
banking services). This may result in
sharing of Personal Information with third
parties (such as data processors or service
bureaus) as part of servicing your accounts
or transactions.
Cookies. There is a technology
called “cookies” that can collect, store,
and sometimes track information. A cookie is
a small data file that can be placed on your
hard drive when you visit certain websites.
We may use cookies in this manner. If you
wish, you may modify your browser to disable
cookies, including session cookies.
E-mail. You may also decide to
send us information that personally
identifies you, for example, in an
electronic mail (e-mail) message. We will
use that information to respond to the
inquiry and provide accurate information in
response to questions.
If you visit our website or engage in any
online services that we offer, then we may
collect and store these categories of
Personal Information. We will not share the
Personal Information you provide us at our
website or by e-mail, except as described
below.
The Personal Information we obtain from
you is stored with us if it is to be used on
an on-going basis.
Categories of
Third-Parties with Whom Mission Community
Bank May Share Information
Presently, Mission Community Bank
discloses Personal Information to
third-party persons about our customers or
former customers only as permitted by law in
connection with the administration,
processing, or servicing of accounts.
For example, this may include disclosure
to a credit-reporting agency or in response
to a subpoena or other legal process;
disclosure to protect against fraud, or as
part of an audit or examination; and
disclosure to protect and defend our rights
and property or to act in an emergency or to
protect someone’s safety.
As we develop our business, we may also
buy and sell assets, and your Personal
Information may be one of the transferred
assets. In the event that we are acquired by
another company, your personal identifiable
information may be part of the assets
transferred to the acquiring party.
Please be aware that other services, such
as bill payment, provided by other companies
via links to their website from a Mission
Community Bank’s website, are not subject to
this policy. We encourage you to review
third party service providers’ privacy
policies before sharing your Personal
Information.
Process to Request Changes to Personal
Information
We wish to maintain complete and accurate
information about you and your account
(including information you have entered
through any Mission Community Bank website),
and have internal procedures in place to
help us accomplish this. We also have
established procedures to assist you should
you ever believe that our records contain
inaccurate or incomplete information about
you. Please contact us at (805)782-5000 to
view and access your Personal Information.
We will investigate your concerns and
promptly correct any inaccuracies.
Notification of Changes
This Online Privacy Policy is subject to
change at any time. We will communicate any
material changes to you as required by law.
We will post the revised online privacy
notice on our website with a link at http://www.missioncommunitybank.com
on our home page. Our home page will also
have a statement notifying readers that our
online privacy notice has changed and the
effective date of changes. Also the
effective date stated at the top of this
policy will be revised in conjunction with
any material updates performed.
Children’s Online Privacy Protection Act
Our website is not directed to children
under the age of 13. We do not knowingly
solicit data from persons under the age of
13 and we do not knowingly market to persons
under the age of 13.
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