Coverage

The rights and protections contained in the California Consumer Privacy Act apply to “Consumers,” which the Act defines as natural persons residing in California or California residents who are outside California for transitory purposes. The Act contains several exemptions from coverage. Please note that the following disclosures do not apply to Banc of California’s job applicants, employees, contractors, owners, directors, or officers where the personal information we collect about those individuals relates to their current, former, or potential role at Banc of California.

Notice at Collection

The California Consumer Privacy Act requires that Banc of California inform Consumers, at or before the time of collection of a Consumer’s personal information, of the categories of personal information collected and the purpose for which the categories of personal information will be used.

CATEGORIES OF PERSONAL INFORMATION PURPOSE(S) FOR WHICH IT WILL BE USED
Identifiers such as real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol Address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
  • Offering Financial Products or Services
  • Selling Loans to Subsequent Investors
  • Marketing Efforts
  • Verifying Consumer Identities
  • Regulatory Compliance
Personal information, as defined in the California customer records law, such as name, contact information, insurance policy numbers, education, employment, employment history, bank account numbers, credit card numbers, debit card numbers, other financial information, and medical or health information.
  • Offering Financial Products or Services
  • Selling Loans to Subsequent Investors
  • Marketing Efforts
  • Verifying Consumer Identities
  • Regulatory Compliance
Characteristics of protected classifications under California or federal law, such as race, gender, or ethnicity.
  • Regulatory Compliance
Commercial information, including records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
  • Offering Financial Products or Services
  • Selling Loans to Subsequent Investors
  • Marketing Efforts
  • Verifying Consumer Identities
  • Regulatory Compliance
Biometric information, such as fingerprints.
  • Detecting/Preventing Security Incidents
Internet or other electronic network activity information including, but not limited to, browsing history, and information regarding a Consumer’s interaction with an internet website, application, or advertisement.
  • Marketing Efforts
  • Detecting/Preventing Security Incidents
Geolocation data, such as device location.
  • Regulatory Compliance
  • Marketing Efforts
  • Detecting/Preventing Security Incidents
Audio, electronic, visual, or similar information, such as call or video recordings.
  • Detecting/Preventing Security Incidents
  • Regulatory Compliance
Education Information subject to the federal Family Educational Rights and Privacy Act, such as student records.
  • Background Screening for Employees
  • Offering Financial Products or Services
  • Marketing Efforts
Inferences drawn from any of the information identified above to create a profile about, for example, a Consumer’s preferences or characteristics.
  • Offering Financial Products or Services
  • Selling Loans to Subsequent Investors
  • Marketing Efforts
  • Verifying Consumer Identities
  • Regulatory Compliance
  • Detecting/Preventing Security Incidents

Right to Know About Personal Information Collected, Disclosed, or Sold

Consumers have the right to request that Banc of California disclose the following information covering the 12 months preceding the request (“Request to Know”):

  • The categories of personal information Banc of California collected about the Consumer and the categories of sources from which Banc of California collected such personal information;
  • The specific pieces of personal information Banc of California collected about the Consumer;
  • The business or commercial purpose for collecting or selling (if applicable) personal information about the Consumer;
  • The categories of personal information about the Consumer that Banc of California sold and the categories of third parties to whom Banc of California sold such personal information (if applicable); and
  • The categories of personal information about the Consumer that Banc of California otherwise shared or disclosed, and the categories of third parties with whom Banc of California shared or to whom Banc of California disclosed such personal information (if applicable).

We will respond to Consumers’ requests consistent with applicable law.

Consumers may submit Requests to Know online here or by calling toll free at 1-888-801-0220.

Upon receiving a Request to Know, Banc of California shall verify the identity of the Consumer making the request to a reasonable, or reasonably high, degree of certainty based on the sensitivity and nature of the information requested.  This process generally involves comparing information provided by the Consumer against information that Banc of California deems reliable in its records.  This process may also require the Consumer to execute a declaration under penalty of perjury that the requestor is the Consumer whose personal information is being requested.  In the event that Banc of California is unable to confirm the identity of the Consumer, it will deny the Request to Know to protect the personal information of the Consumer.

CATEGORIES OF PERSONAL INFORMATION COLLECTED IN THE PRECEDING 12 MONTHS CATEGORIES OF SOURCES FROM WHICH THE INFORMATION WAS COLLECTED
Identifiers such as real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol Address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
  • Directly from the Consumer
  • Service Providers
  • Credit Report Agencies
  • Marketing Companies
  • Public Records
  • Consumer Data Resellers
Personal information, as defined in the California customer records law, such as name, contact information, insurance policy numbers, education, employment, employment history, bank account numbers, credit card numbers, debit card numbers, other financial information, and medical or health information.
  • Directly from the Consumer
  • Service Providers
  • Credit Report Agencies
  • Marketing Companies
  • Public Records
  • Consumer Data Resellers
Characteristics of protected classifications under California or federal law, such as race, gender, or ethnicity.
  • Directly from the Consumer
Commercial information, including records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
  • Directly from the Consumer
  • Service Providers
  • Credit Report Agencies
  • Marketing Companies
  • Public Records
  • Consumer Data Resellers
Biometric information, such as fingerprints.
  • Directly from the Consumer
Internet or other electronic network activity information including, but not limited to, browsing history, and information regarding a Consumer’s interaction with an internet website, application, or advertisement.
  • Directly from the Consumer
  • Service Providers
  • Credit Report Agencies
  • Marketing Companies
  • Public Records
  • Consumer Data Resellers
Geolocation data, such as device location.
  • Directly from the Consumer
  • Service Providers
  • Credit Report Agencies
  • Marketing Companies
  • Public Records
  • Consumer Data Resellers
Audio, electronic, visual, or similar information, such as call or video recordings.
  • Directly from the Consumer
  • Service Providers
  • Marketing Companies
  • Consumer Data Resellers
Inferences drawn from any of the information identified above to create a profile about, for example, a Consumer’s preferences or characteristics.
  • Directly from the Consumer
  • Service Providers
  • Credit Report Agencies
  • Marketing Companies
  • Public Records
  • Consumer Data Resellers

We have collected these categories of personal information in the preceding 12 months for the following purposes:

  • Offering Financial Products or Services
  • Selling Loans to Subsequent Investors
  • Marketing Efforts
  • Verifying Consumer Identities
  • Regulatory Compliance
  • Detecting/Preventing Security Incidents

Disclosure or Sale of Personal Information

Banc of California has disclosed or sold the following categories of personal information to the following categories of third parties for a business or commercial purpose in the preceding 12 months: our affiliated entities, trusted third-party service providers, credit bureaus, law enforcement authorities, joint marketing partners, and third parties to permit them to send marketing communications consistent with Consumers’ choices.

Categories of Personal Information Sold or Disclosed to Third Parties in the Preceding 12 months

Identifiers such as real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol Address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
Personal information, as defined in the California customer records law, such as name, contact information, insurance policy numbers, education, employment, employment history, bank account numbers, credit card numbers, debit card numbers, other financial information, and medical or health information.
Characteristics of protected classifications under California or federal law, such as race, gender, or ethnicity.
Commercial information, including records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Internet or other electronic network activity information including, but not limited to, browsing history, and information regarding a Consumer’s interaction with an internet website, application, or advertisement.
Geolocation data, such as device location.
Audio, electronic, visual, or similar information, such as call or video recordings.
Inferences drawn from any of the information identified above to create a profile about, for example, a Consumer’s preferences or characteristics.

Sale of Minor’s Personal Information

Banc of California does not sell the personal information of minors under 16 years of age without affirmative authorization.

Right to Request Deletion of Personal Information

Consumers have the right to request that Banc of California delete personal information that Banc of California has collected from them (“Request to Delete”). As recognized in the California Consumer Privacy Act, there are obligations and requirements imposed on banks which prevent Banc of California from deleting certain personal information. We will respond to Consumers’ requests consistent with applicable law.
Consumers may submit Requests to Delete online here or by calling toll free at 1-888-801-0220.
Upon receiving a Request to Delete, Banc of California shall verify the identity of the Consumer making the request to a reasonable, or reasonably high, degree of certainty based on the sensitivity and nature of the information requested. This process generally involves comparing information provided by the Consumer against information which Banc of California deems reliable in its records. This process may also require the Consumer to execute a declaration under penalty of perjury that the requestor is the Consumer whose personal information is being requested. In the event that Banc of California is unable to confirm the identity of the Consumer, it will treat the request as a Request to Opt-Out, as described below.

Right to Opt-Out of the Sale of Personal Information

The Consumer has the right to opt-out of the sale of their personal information by Banc of California (“Request to Opt-Out”). We will respond to Consumers’ requests consistent with applicable law.
Consumers may submit Requests to Opt-Out online here or by calling toll free at 1-888-801-0220.
Banc of California will accept a Request to Opt-Out submitted by an agent of the Consumer provided the Consumer has provided the agent with written permission to submit such a request. Banc of California shall require proof that the Consumer has authorized the agent to act on the Consumer’s behalf, such as written permission or a power of attorney issued pursuant to the California Probate Code.

Right to Non-Discrimination for Exercise of a Consumer’s Privacy Rights

Consumers have the right to be free from unlawful discrimination for exercising their rights under the California Consumer Privacy Act.

Authorized Agent

When a Request to Know or a Request to Delete is submitted by an authorized agent, Banc of California will require the Consumer to: (1) provide the authorized agent written permission to do so; and (2) will require the Consumer to verify their own identity directly with Banc of California. In the event that Banc of California is unable to verify the identity of the Consumer or does not receive proof from the authorized agent that the Consumer authorized the agent to act on the Consumer’s behalf, it will deny the request. This does not apply to authorized agents with power of attorney pursuant to Probate Code sections 4000 to 4465.

Contact for More Information

Consumers with questions or concerns about Banc of California’s Privacy Policies and practices should contact at 1-888-801-0220.

PRIVACY POLICY

What Does Banc of California, N. A. 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:

  • Name, address, and phone number
  • Account balances and payment history
  • Social Security number and income
  • Credit history and credit scores

How?

All financial companies need to share customers’ personal information to run their everyday business. In this section, we list the reasons financial companies can share their customers’ personal information; the reasons Banc of California, N.A. chooses to share; and whether you can limit this sharing.

Reasons financial companies can share their customers’ personal information Does Banc of California, N.A. 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 Yes Yes
For our affiliates’ everyday business purposes
information about your transactions and experiences
Yes No
For our affiliates’ everyday business purposes
information about your credit worthiness
Yes Yes
For our affiliates to market to you Yes Yes
For our nonaffiliates to market to you Yes Yes

To limit our sharing

Please Note: If you are a new customer, we can begin sharing your information [30] days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Question?

Call us at 1-888-801-0220 or go to www.bancofcal.com/privacy-policy


Who We Are

Who is providing this notice?

Banc of California, N.A.


What We Do

How does Banc of California, N.A. 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.

How does Banc of California, N.A. collect my personal information?

We collect your personal information, for example when you

  • Open an account or deposit money
  • Pay your bill or apply for a loan
  • Make deposits or withdrawals from your account

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 credit worthiness
  • Affiliates from you using your information to market to you

Sharing for nonaffiliates to market to you.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.


Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial or nonfinancial companies.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other Important Information

California Residents

California law requires financial institutions to obtain your consent prior to sharing information about you with nonaffiliated third parties, except as permitted by California law. We will provide a separate form entitled “Important Privacy Choices for Consumers” describing these rights.

Nevada Residents

We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by calling 1-888-801-0220, or by writing to us at 3 MacArthur Place, Santa Ana California 92707.

Vermont Residents

Vermont law requires financial institutions to obtain your consent prior to sharing information about you with nonaffiliated third parties, except as permitted by Vermont law.