Privacy Policy

Privacy Policy: What Does Bank of the Pacific Do With Your Personal Information?
FACTS: What Does Bank of the Pacific Do With Your Personal Information?	N/A
FACTS: What Does Bank of the Pacific 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.
FACTS: What Does Bank of the Pacific Do With Your Personal Information? 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. credit history and credit scores. When you are no longer our customer, we continue to share your information as described in this notice.
FACTS: What Does Bank of the Pacific Do With Your Personal Information? 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 Bank of the Pacific chooses to share; and whether you can limit this sharing.

Privacy Policy: Reasons We Can Share Your Personal Information?
Reasons We Can Share Your Personal Information	Does Bank of the Pacific Share?	Can You Limit This Sharing?
Reasons We Can Share Your Personal Information 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	Does Bank of the Pacific Share?	Can You Limit This Sharing?
Reasons We Can Share Your Personal Information For our marketing purposes—to offer our products and services to you	Does Bank of the Pacific Share?	Can You Limit This Sharing?
Reasons We Can Share Your Personal Information For joint marketing with other financial companies	Does Bank of the Pacific Share?	Can You Limit This Sharing?
Reasons We Can Share Your Personal Information For our affiliates’ everyday business purposes—information about your transactions and experiences	Does Bank of the Pacific Share? We don’t share.	Can You Limit This Sharing?
Reasons We Can Share Your Personal Information For our affiliates’ everyday business purposes—information about your creditworthiness	Does Bank of the Pacific Share? We don’t share.	Can You Limit This Sharing?
Reasons We Can Share Your Personal Information For non-affiliates to market to you	Does Bank of the Pacific Share? We don’t share.	Can You Limit This Sharing?

Privacy Policy: What We Do
What We Do	N/A
What We Do How does Bank of the Pacific 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.
What We Do How does Bank of the Pacific 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 credit or debit card. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
What We Do 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.

Privacy Policy: Definitions
Definitions	N/A
Definitions Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Bank of the Pacific does not share with our affiliates.
Definitions Non-Affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Bank of the Pacific does not share with non-affiliates so they can market to you
Definitions Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies and securities brokers/dealers.

Digital Privacy Statement

This Digital Privacy Statement (“Digital Privacy”) applies to the information that we collect when you visit the website of Bank of the Pacific or use our online banking services and other digital services that we own or control, including our mobile banking application, Bank of the Pacific Mobile (together, the “Digital Services”).

Privacy Notice Applicability for Financial Services

If you have a financial product or service with us, we will use and share any information that we collect from or about you through our Digital Services in accordance with the Privacy Notice of Bank of the Pacific. For your convenience, we offer you the ability to access some of our products and services through a mobile application and mobile-optimized websites. When you interact with us through our Mobile application, we may collect personal information directly or indirectly from or about you.

Categories of Personal Information That We May Collect and Share When You Use Our Digital Services

Personal Information:

Full name
Address
Phone number
Email address
Federal or state issued identification numbers, including social security numbers
Driver’s license
Passport number
User names
Characteristics of protected classes or groups under state or federal law, such as sex or marital status
Other identifying information

Financial Information:

Account numbers
Balance
Transaction history
Payment card details, including credit and debit card numbers

Usage and Device Information:

Biometric information, such as face recognition, fingerprints and voiceprints
IP address
Software on your device that may be necessary to use our online services
Device configuration information, such as device type, browser type and version, operating system type and version, display/screen settings and language preferences
Mobile contact list — used for example to personalize Zelle® person-to-person payments: before granting access you will be prompted to give permission
Camera — used for example with mobile deposit: before granting access you will be prompted to give permission
Images — access to stored images on a device for mobile deposit
Device location information to locate nearby branches or ITM/ATMs
Website analytics information
Search engine referral information
Internet or online information, such as browsing history and/or information regarding interaction with our websites, applications or advertisements
Audio, electronic, visual or similar information
Access to external storage
Professional- or employment-related information
Education information

How We May Use This Information

To detect, investigate or prevent activities that may be illegal, violate our policies, cause harm to our operations or compromise our security.
To optimize, improve or enhance our products, services and operations.
To respond to your inquiries or fulfill your requests, including to provide individuals with, or evaluate their eligibility for, products and services that they have requested from us.
To communicate with individuals about their accounts or transactions that they have made with us.
To provide important information regarding our products or services, including changes to our policies or other terms, conditions or agreements and our Digital Services.
To allow participation in surveys, sweepstakes, contests and other promotions.
To comply with legal and regulatory requirements, required disclosures and choices and controls that may be available.
To send offers and promotions for our products and services or for other products and services that may be of interest.
To personalize online or mobile content and user experiences.
To facilitate push notifications.
To take an image of your check for mobile deposit.
To verify the identity or location of an individual for security, fraud prevention and other risk control purposes.
To allow access to the device’s microphone for chat purposes.
To allow access to files/media on the device for secure message attachment.
To allow access to information about the user’s device for secure message attachment.
To allow access to stored images on the device for mobile deposit.
To provide advertising based on activity on our Digital Services.
To perform operational functions in connection with our business, including data analysis, audits, developing and improving products and services, enhancing the Digital Services, identifying usage trends and determining the effectiveness of promotional campaigns.
For any other purpose disclosed by us to you at the time you provide us information.

How We Share This Information

To our subsidiaries and affiliates
To contractors, service providers and other third parties we use to support our business.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of any or all of Bank of the Pacific’s assets, in which information held by Bank of the Pacific about our Online Service users is among the assets transferred.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.
To comply with any court order, law or legal process, such as, responding to any government or regulatory request.
To enforce or apply our terms of use with respect to our Digital Services and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property or safety of Bank of the Pacific, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
We may disclose aggregated information about you, and information that does not identify any individual, without restriction.

Please note that our sharing of information may be subject to additional rights available under applicable federal or state law.

What Are Cookies and How Does Bank of the Pacific Use Them?

Cookies are pieces of information that are stored directly on the devices that you are using. They allow us to collect information such as the type of browser you are using, the amount of time you spend using our Digital Services and the preferences you have set up for your accounts. We use this information for different purposes, including personalization of your experience, enhance security, facilitate navigation, display content more efficiently, recognize the device that you are using to access our services and understand how our services are used. We do not use cookies that capture personal information.

You can choose through your browser settings to have your devices refuse to accept any cookies, and the majority of devices and browsers offer additional privacy settings for cookies. Device and browsers could be different from each other, so look at your device settings or your browser help menu to learn how to modify your cookies. If you turn cookies off, you will not have access to some features that make your user experience within our Digital Services more efficient. Please note that you will need to manage your cookie settings for each device and browser that you use.

Social Media Platforms

Bank of the Pacific may interact with registered users of various social media platforms, including FaceBook and LinkedIn. Please note that these social media platforms may have additional terms from this policy about the privacy of your information. Please review the privacy policy for the specific online sites you are using before posting any content to such social media platforms (e.g., pictures, information, comments or opinions).

Chatbot Services

Through our Digital Services, we may use chatbots to provide you information or respond to your questions (“Chatbot Services”). We will not collect non-public personal information when interaction with you through the Chatbot Services. However, we may collect personal information through the Chatbot Services and share it with third parties in accordance with this Privacy Policy.

Children’s Online Privacy Protection Act

Our Digital Services are not intended for children under 13 year of age. We do not knowingly collect personal information from children under 13. If you are under 13, please do not provide any information when using our Digital Services.

Linking to Third-Party Websites

The Digital Services may include links to websites that are not owned or operated by Bank of the Pacific (“third-party websites”). When you visit a third-party website through these links, you will be subject to that website’s privacy and security rules and practices. You should review the privacy policy and security practices of any linked third-party website before providing any information on that website.

Data Security

Bank of the Pacific takes the security of your personal information seriously. Please visit the Security Center posted in our main webpage, www.bankofthepacific.com, for additional information about how we protect your information, and important recommendations that we highly recommend to follow when you use the Digital Services.

Retention Period

We will retain your information for the period necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law.

Cross-Border Transfer

The Digital Services are controlled and operated by us from the United States, and are not intended to subject us to the laws or jurisdiction of any country or territory other than that of the United States. We may store and process your personal information in any country where we have facilities or in which we engage service providers, and, by using the Digital Services, you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have different data protection rules than those of your country.

Mobile Banking

What does Bank of the Pacific do with your personal information from the mobile application?

The mobile application requests access to information stored on your devices, such as location, camera, contacts, or other features you are enrolled in, to enrich and simplify your user experience, improve our services, and provide additional security to protect your account. It is important for you to understand that:

Before granting access to this information, you will be prompted to give the application that permission.
If you do not wish to grant that permission, you may decline.

If you later change your mind, those permissions can be updated in your device’s settings.

Some examples of information your app will request access to are:

Location – to facilitate push notifications.
Contacts – user experience for person to person payments.
Camera – to facilitate capturing a check image for mobile deposit.

We use security measures that comply with federal law to protect your personal information from unauthorized access and use. These measures include computer safeguards and secured files and buildings.

The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored data and if that information may be deleted.

Mobile Banking App Notifications

Our Mobile Banking App collects location data to enable push notifications to offer our products and services to the consumer, even when the app is closed or not in use. A pop-up screen will notify the consumer requesting approval to receive push notifications for this new mobile feature. The consumer can opt out of push notifications during this time or turn off the locations part of the app within their phone settings. In-app ads and banners within the mobile banking app will not be affected. The consumer will still receive these ads, and the opt-out feature for this advertisement is unavailable.

Changes to this Online Privacy Policy

Bank of the Pacific reserves the right to change this Privacy Policy at any time. Prior to changes to the Privacy Policy, we will let you know by appropriate means such as by posting the revised policy on our main website. Your continued use of the Digital Services after any change in this Privacy Policy will constitute your acceptance of such change.

Questions?

Call (360) 642-1042 or visit our Contact page.