This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with Santa Cruz County Bank's (the "Bank") website and mobile application (the “Services”).
The Types of Information We Collect in the App
Through your use of the Services, we may collect personal information from you in the following ways:
Personal Information You Provide Us
We may collect personal information from you, such as your first and last name, address, e-mail, telephone and mobile number(s), and social security number when you create an account.
We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, images or photographs (for mobile check deposits), contact list (for person to person payments), and transaction and payment history.
If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.
Personal Information Collected from Third Parties
We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
Personal Information Collected Via Technology
We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as:
Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.
Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
Local storage technologies, like HTML5 that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
Contact list. If you want to send person to person payments, we will collect data from your contact list to populate your person to person payment recipient list.
How We Use Your Information Collected in the App
General Use
In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:
Facilitate the creation of, and secure and maintain your account
Identify you as a legitimate user in our system
Provide improved administration of the Services
Provide the Services you request
Improve the quality of experience when you interact with the Services
Send you administrative e-mail notifications, such as security or support and maintenance advisories
Send surveys, offers, and other promotional materials related to the Services
Compliance and Protection
We may use your personal information to:
Comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities
Protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims)
Audit our internal processes for compliance with legal and contractual requirements and internal policies
Enforce the terms and conditions that govern the Service
Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft
Creation of Non-Identifiable Data
The App may create de-identified information records from personal information by excluding certain information (such as your name), that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non- identifiable information to third parties in our discretion.
Disclosure of Your Personal Information
We disclose your personal information collected through your use of the Services as described below:
In Accordance with Our Other Privacy Notices
Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
Third Party Service Providers
We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including:
To provide you with the Services
To conduct quality assurance testing
To facilitate the creation of accounts
To optimize the performance of the Services
To provide technical support
To provide other services to the App
Authorities and Others
Regardless of any choices you make regarding your personal information, the Bank may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.
Links to Other Sites
The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App's provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Santa Cruz County Bank does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to review and read their privacy and security policies and other terms and conditions of every website you visit, as they may be different from those of our website and App.
Your Choices Regarding Your Information
You have several choices regarding use of information on the Services:
How we Respond to Do Not Track Signals
Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise this policy on responding to these signals.
Access, Update, or Correct Your Information
You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us.
Opting Out of Email or SMS Communications
If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
Opting Out of Location Tracking
If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.
Safeguards and Retention
We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information. We are not responsible for the use or disclosure of any personal information accessed by any company or person to whom you provide your username and password.
A Note About Children
The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.
Privacy Policy Updates
This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.
Contact Us
If you have any questions or complaints about this Privacy Policy or the Bank’s data collection or processing practices, or if you want to report any security violations to the Bank, please contact us by email at: ComplianceDepartment@sccountybank.com or by mail at:
Privacy Officer
Santa Cruz County Bank
P.O. Box 8426
Santa Cruz, CA 95061
831.457.5000
rev. 03/18/24
Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.
Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.
Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.
Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.