Privacy

Privacy Notices

• Privacy Notice
• CCPA Policy
• Online Privacy Policy
• Mobile Privacy Policy

Our Promise to You

In order to provide you with the financial products and services you need, we collect, maintain, and use information about you. Golden Valley Bank wants you to understand what information we collect, how we use it, and with whom we share it. We have developed this privacy policy which describes our practices with respect to the privacy of your information. This policy applies to all customers, current, former or inactive.

Information We Collect

We collect nonpublic personal information from you in the course of providing you our products and services. We collect your personal information from you, your applications, our transactions, consumer reporting agencies, and the verification of your information.

Golden Valley Bank limits the use and collection of information about our customers to that which is necessary provide you with products and services you request; to know who you are and prevent unauthorized access to your information; to offer products and services that are of value to you; and to comply with the regulations that govern us.

Information We Disclose

We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted by law. In accordance with standard banking practice, and within regulatory guidelines, we may share certain information about you with reputable credit reporting agencies so creditors can verify the existence and condition of your accounts with us. We, like many banks, have contracts with outside companies who provide support services to us, such as those operating our ATMs, where information is provided to unaffiliated third parties as necessary to effect or administer a transaction requested or authorized by you. Please be assured that we will only share information with nonaffiliated third parties to the extent required or permitted by law.

Please read our Privacy Notice for complete details.

How We Protect Your Information

Golden Valley Bank is committed to ensuring that the information we have about you is not only accurate, but that it is protected. We protect the information we have collected about you making it accessible only to those employees who are dealing with you or your accounts for legitimate banking purposes. We educate our employees on their responsibility to protect your privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your privacy. We utilized established security standards and procedures to keep your information safe from intrusion, and we continually assess new technology to ensure that we can continue to provide our standard of security as we develop and offer new product and services.

Contacting Us

If you have additional questions regarding the privacy of your personal information, please contact us by visiting one of our locations or calling us at (530) 894-1000.

Online Privacy Policy

Effective Date: Date November 12, 2021

At Golden Valley Bank your Internet security and safety is important to us. We want you to know how we will handle the information we learn about you from your visit to our website. The information we receive depends entirely upon what you do when visiting our website. We will not obtain personally identifying information about you when you visit our website unless you choose to provide such information.
For customers of Golden Valley Bank, we also have a separate Privacy Notice which addresses additional information collection and sharing practices.

Collection, Use and Retention of Your Information

We may collect, use and retain personally identifiable information about users of our website to comply with law, as permitted by law, to respond to your requests, and to administer accounts and provide related services.
More specifically, we collect the following nonpublic personal information about you.

• Information provided by users when they make an inquiry or request return correspondence from us
• Information provided by users on forms, such as name, address, social security numbers, assets, and income; and
• Information received during your internet session on our website, such as cookies and your Internet Protocol address (IP address).

We may disclose all of the information we collect, as described below.

Disclosure of Information

We do not disclose the personally identifiable information that is collected about our present or former customers, or users of our website, as identified above, to affiliates or unaffiliated third parties except as permitted by law.
For example, we may share personally identifiable information with an unaffiliated third party we hire or contract with to provide support or services for one or several of our products or services. We do not disclose any personally identifiable information about you to companies that perform marketing services, other than to facilitate marketing services on our behalf.

Email

If you are sending an email to us, please keep in mind email is not necessarily secure against interception and could be read by others outside of Golden Valley Bank. If you are sending us information that is sensitive or includes personal or confidential information (such as your bank account number or social security number etc.), unless you are sending us the email through our secured email area of our website. You should send your correspondence to us via postal mail to: Golden Valley Bank, 190 Cohasset Road Ste. 170, Chico, CA 95926, or contact at (530) 894-1000.

Online Forms

We collect information from you when you fill out an online form for a new product or service (Consumer/Business deposit accounts etc.) All online forms are encrypted to maintain the security of your information.

Links on our Website

We may provide links to information, products or services offered on websites that are owned or operated by other companies (“third party websites”). We will notify you when you are leaving the Golden Valley Bank website. If you choose to link to websites not controlled by Golden Valley Bank, we are not responsible for the privacy or security of these sites.

Cookies

Cookie are pieces of data stored on your device. They hold information that we or another website may need to interact with you. We use cookies to identify your Internet browser, information gathered through their use is used to personalize your experience on our website based on the products, services, or other interactions you have with us. Software on our website may also use cookies to provide you with an interactive session during your visit and for your online banking service experience with us.
Information gathered through use of cookies may be used to make you offers of our products and services.
Google Analytics: We use Google Analytics, a web analytics tool that may set cookies in your browser, in order to help us understand how visitors engage with this Site. To learn more about Google Analytics’ data practices, please visit https://support.google.com/analytics/answer/6004245?hl=en. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.

How We Respond to Do Not Track Signals

We do not take action in response to a “do not track” configuration set in your web browser.

Third Parties

When you use our website or online services, third parties acting on our behalf may collect the personally identifiable information and website activity identified above. This may include the personally identifiable information collected when you register with us for a service. Depending on the third party websites you visit, as well as any preferences and authorizations you have provided to others, your activity on our website and across other websites, including personally identifiable information you provide, may be tracked and collected by third parties. Also, third parties may offer services on our website from time to time. If you access their websites or provide them with information, these third parties may track your activity across websites and collect your personally identifiable information, all subject to the third party’s privacy and security practices.

Protection of Information

We take precautions to protect your information. When you submit nonpublic personal information to us, your information is protected both online and offline. Wherever we collect nonpublic personal information, that information is handled by us in a secure way. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees and those who need the information to perform a specific job are granted access to nonpublic personal information.

Maintenance of Accurate Information

Keeping your information accurate and up to date is very important to us. We strive to maintain complete and accurate information about our customers and their accounts. We have established reasonable commercial procedures to ensure the maintenance of current and accurate financial information about your accounts. If your information about you is incomplete, inaccurate or not current, please contact us by calling (530) 894-1000 or by writing us at Golden Valley Bank 190 Cohasset Road Suite 170, Chico, CA 95926.

Protecting Children’s Privacy Online

This website is not intended for individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through this website. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children's Online Privacy Protection Act (COPPA).

Policy updates and effective date

We reserve the right to amend this Policy at any time and without prior notice. We will post and inform you of the revised Policy by noting the latest revision date at the top of the Policy. Any changes to this Policy will become effective upon the posting of the revised Policy on the website. You should periodically review this Policy to continue to be aware of our current online privacy practices. Your use of the website following the update to the Policy means that you accept the updated Policy.

California Consumer Privacy Act

Date last updated: March 10, 2021

View or download the Notice at Collection (PDF)

View or download the California Consumer Privacy Act Notice (PDF)

Your privacy is important to us at Golden Valley Bank. We are committed to protecting the security and privacy of the personal information of our customers.

This policy describes the personal information that Golden Valley Bank (“we” or “us”) collects in the course of its business, explains how this information is collected, used, shared, and disclosed, describes rights provided by the California Consumer Privacy Act (“CCPA”) to California residents (“consumers” or “you”) regarding their personal information, and explains how consumers can exercise those rights.

Please note that, as a financial institution, most of the information we collect from you is exempt from disclosure because it is covered by or collected under the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, or other exemptions provided in the CCPA.

The California Consumer Privacy Act only applies to information about California residents that is collected in the past 12 months. If you are not a California resident or an authorized agent submitting a request on behalf of a California resident, you will not be able to submit a request.

It is the policy of Golden Valley Bank to comply with the following provisions of the California Consumer Privacy Act:

Categories of Personal Information that We Collect

The Personal Information that we collect about a specific California resident will depend on our relationship or interaction with the individual, examples being; products, services or employment and human resource purposes.

Below is a list of categories of personal information and examples for each category that we may have collected during the past 12 months.

• Personal Identifiers — Personal unique identifiers, such as full name and federal or state issued identification numbers including Social Security number, driver’s license number, and passport number
• Personal Information — Personal information, including contact details such as telephone number and address, financial information such as account number and balance, payment card details including credit and debit card numbers, as well as medical and health insurance information
• Characteristics of Protected Classes — Characteristics of protected classes or groups under state or federal law, such as sex or marital status Race, Citizenship, Veterans or Military Status
• Purchase Information — Purchase information, such as products and services obtained and transaction histories
• Biometric Information — Biometric information, such as fingerprints and voiceprints
• Internet or other similar network activity — Browsing history, search history, information regarding interaction with our websites, applications, or advertisements
• Geolocation Data — Geolocation data, such as device location, physical location or movements
• Audio and Visual Information — Audio, electronic, visual, olfactory, or similar information such as call and video recordings
• Employment Information — Professional or employment-related information, such as work history and prior employer
• Education Information — Education information, such as school and related information; and
• Inferences — Inferences based on information about an individual to create a summary about, for example, an individual’s preferences and characteristics

Sources of Personal Information Collected

We Collect personal information about you from several sources. Below is a list of sources we may use to collect information about you but is not limited to the following:

• Information you provide to us when applying for or opening a deposit account, loan or any other bank service;
• Information received from a credit reporting agencies;
• Information from third-party verification services;
• Website/browser activity, Internet search engines, mobile activity and social media;
• Job application with us;
• Public Records Sources (Federal, State and Local Government);
• Government entities;
• Outside companies or organizations to provide data to support activities such as fraud prevention

Purpose of Collecting Personal Information

The purposes for which we collect and use personal information depend on, among other things, our relationship or interaction with a specific California resident. The below lists the purposes for which we collect and use personal information in different contexts.

• Customer Service and Transactions - To approve or decline applications for loans, deposit accounts and other bank services, online banking access, service products and services you have with us;
• Bank Operations - To perform account monitoring, audit, investigation, reporting, detecting security incidents, protecting against malicious, deceptive fraudulent or illegal activities, risk analysis and mitigation
• Marketing and service updates – To provide marketing and/or advertisements to you for our products and services and to inform you of product service updates.
• Regulatory and Legal Compliance – To comply with federal and state laws, rules and regulations. Respond to and provide information required by federal and state legal actions, civil request, subpoenas, warrants and other legal requests for information.
• Employment and Human Resources management - To consider your application for employment; to complete the hiring and onboarding of new employees; and as part of an employee’s relationship;

Categories of Third parties and Our Disclosure of Personal Information

The categories of third parties to whom we disclose personal information about a specific individual depend on, among other things, our relationship or interaction with a specific California resident. During the past 12 months, we have disclosed for our business purposes the eleven categories of personal information listed above to the following categories of third parties:

1. Outside companies or organizations, including service providers subject to appropriate confidentiality and use restrictions, to whom we disclose Personal Information as part of providing products and services, completing transactions, supporting our everyday operations, or business management and development. Examples may include internet service providers, social networks, operating systems and platforms and financial institutions;.
2. Companies or individuals that represent California residents such as an accountant, financial advisor, or person holding power of attorney on behalf of a California resident.
3. Government agencies, including to support regulatory and legal requirements
4. Outside companies or organizations, including service providers subject to appropriate confidentiality and use restrictions, to whom we provide Personal Information to support human resource activities and workforce management. Examples may include operating systems and platforms and data analytics providers.
5. Outside companies or organizations, in connection with routine or required reporting, including consumer reporting agencies and other parties.

The table below shows, for each personal information category we have collected, the categories of third parties to whom we disclosed for our business purposes information from that personal information category. The table below contains briefer descriptions of the categories of personal information and third parties. The full descriptions of the categories of personal information and third parties are available above.

Right to Opt-Out of the Sale of Personal Information

California residents have the right to Opt-out of the sale of their personal information by businesses that sell personal information. We do not offer an Opt-out from the sale of personal information because we do not and have not within the last 12 months sold personal information.

Sale of Personal Information

We do not sell any personal information of our customers, nor do we sell or have actual knowledge that we have sold personal information of California Residents 16 years of age and younger.

The Right to Know About Personal Information Collected, Used, or Disclosed

You have the right to request that we provide you with certain information about the personal information we collect, use, retain or disclose about you as well as the categories and specific pieces of information that we have collected about you in the past 12 months. Specifically, you have the right to request the following information provided it is not exempt from the CCPA as discussed above:

• The categories of personal information we have collected about you.
• The categories of sources from which we have collected personal information about you.
• The business or commercial purpose for collecting your personal information.
• The business or commercial purpose for disclosing the category of personal information about you.
• The specific pieces of personal information we have about you.
• If we disclosed your personal information for a business purpose:
  • The categories of personal information that we disclosed about you for a business purpose; and
  • The categories of third parties to whom your personal information was disclosed for a business purpose, and which category of personal information was disclosed to that third party.

A household may request to know household personal information by submitting a verifiable consumer request to know. Also, if all consumers in a household jointly request access to specific pieces of information for the household, and we can individually verify the identity of all members of the household, that all consumers in the household are included on the request and that each member making the request is currently a member of the household, then we will comply with the request.

Information we will not disclose

We are prohibited by law from disclosing specific pieces of personal information if the disclosure creates a substantial, articulable, and unreasonable risk to the security of that personal information, your account, or the security of our business systems or networks.

We are also prohibited by law from disclosing specific pieces of personal information about you in our response to a Right to Know, Right to Request Deletion and authorized agent requests. Listed below are the pieces of your personal information we will not disclose in fulfilling your requests:

• Your social security number;
• Driver’s license number or other government-issued identification number;
• Financial account number;
• An account password or security questions and answers; and
• Any health insurance or medical identification number (if we have it).

Instructions for Submitting a Verifiable “Right to Know” About Personal Information Collected, Used, or Disclosed

To exercise your Right to Know, please submit to us a verifiable consumer Right to Know by either:

• Submitting our Request Form, complete all required fields and click the submit button.
• Calling us at 1-888-914-9661 PIN# 719463. Please complete all prompts and include your call back phone number for verification purposes.
• In-person or by mailing your request to: Golden Valley Bank, 190 Cohasset Road, Suite 170, Chico, CA 95926. Please include your call back phone number for verification purposes.

You may designate an authorized agent to make a request on your behalf using the same process above. If you would like to use an authorized agent, which is an individual or business registered with the Secretary of State that you have authorized to act on your behalf, to submit a request to know, you must:

• Provide the authorized agent with written permission to do so; or

The agent must provide a document that confirms the authorized agent has the authority to make the request on your behalf such as:

A power of attorney, legal guardianship or conservatorship.
You will need to verify your own identity directly with us. We may deny a request from an agent that does not submit proof that they are authorized to act on your behalf.

Only you (or an authorized agent) may make a verifiable consumer request for your personal information and you (or an authorized agent) may make a verifiable consumer request on behalf of your minor child.

Please note that we are only required to respond to your request for access to your personal information twice within a 12-month period.

Additionally we may deny your request to know for a number of different reasons, including for the reasons identified above in the “Information we will not disclose” section and in the CCPA.

The Process We Use to Verify Your “Right to Know” About Personal Information Collected, Used, or Disclosed

If you are our customer and have an account with us, we will verify your identity through our existing authentication practices for your account. If we suspect fraudulent or malicious activity related to your account, we will not comply with your request until we perform further verification to determine whether your request is authentic and you are the person we have collected the personal information from.
Non-Customer or Non-Account Holders: If you are not a customer or do not hold an account with us, we will verify you as follows:
If you submit a Right to Know the categories of personal information, you will need to provide us with your name, address and contact phone number, which we will process to verify your identity.

If you submit a Right to Know specific pieces of personal information, you will need to provide us with your name, address and contact phone number, which we will process to verify your identity. You will also be required to submit a signed declaration under penalty of perjury stating that you are the consumer whose personal information is requested. If you submit a request on behalf of your minor child, you will also be required to submit affirmation that you are the child’s parent or legal guardian.
We will generally avoid requesting any additional information from you to verify you. However, if we cannot verify your identity based on the information we currently maintain, we may request additional information from you, which will only be used to verify your identity and for security or fraud prevention purposes. We will delete any new personal information we collect to verify your identity as soon as practical after processing your request unless otherwise required by the CCPA or other applicable law.

Generally, if we are unable to verify your identity, we will inform you and explain why we were unable to do so.

Our Response to Your “Right to Know” About Personal Information Collected, Used, or Disclosed

Once we receive your verifiable consumer request, we will confirm our receipt of your request within 10 business days and provide you with additional information about how we will process the request. Our goal is to respond to your request within 45 calendar days of receiving the request, beginning on the day we receive the request. However, in the event that we need more time (up to 90 calendar days total) to respond to your request, we will provide you with notice and an explanation of the reasons that we will take more than 45 calendar days to respond. Any disclosures we provide will cover the 12-month period preceding our receipt of your request. If we are unable to comply with a given request, we will provide you with a response explaining why we have not taken action on your request and identifying any rights you may have to appeal the decision.

We will not charge you to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request. We may refuse to act on your request to know if, for example, it is unfounded or excessive, if we cannot verify your identity or the authority of your agent, or because of a conflict with federal or state law, and if so, we will let you know.

The “Right to Request Deletion” of Personal Information

You have the right to request that we delete your Non-Exempt Personal Information that we have collected and maintained. A household may request the deletion of household, Non-Exempt Personal Information by submitting a verifiable consumer request. If all consumers in a household jointly request deletion of household, Non-Exempt Personal Information, and we can individually verify the identity of all the members of the household, that all consumers in the household are included on the request and that each member making the request is currently a member of the household, then we will comply with the request.

This right does not apply to Business Consumers.

Instructions for Submitting a Verifiable “Right to Request Deletion” of Personal Information

To exercise your Right to Request Deletion, please submit a verifiable consumer request to us by either:

• Submitting our Request Form, complete all required fields and click the submit button.
• Calling us at 1-888-914-9661 PIN# 719463. Please complete all prompts and include your call back phone number for verification purposes.
• In-person or by mailing your request to: Golden Valley Bank, 190 Cohasset Road, Suite 170, Chico, CA 95926. Please include your call back phone number for verification purposes.

You may designate an authorized agent to make a request on your behalf using the same process above. If you would like to use an authorized agent, which is an individual or business registered with the Secretary of State that you have authorized to act on your behalf, to submit a request to delete personal information, you must:

• Provide the authorized agent with written permission to do so; or

The agent must provide a document that confirms the authorized agent has the authority to make the request on your behalf such as:

• A power of Attorney, legal guardianship or conservatorship.

You will need to verify your own identity directly with us. We may deny a request from an agent that does not submit proof that they are authorized to act on your behalf.

Only you (or an authorized agent) may make a verifiable consumer request for your personal information and you (or an authorized agent) may make a verifiable consumer request on behalf of your minor child.

Please note that we are only required to respond to your request for access to your personal information twice within a 12-month period.

Additionally we may deny your request to know for a number of different reasons, including for the reasons identified above in the “Information we will not disclose or What is personal information” section and in the CCPA.

The Process We Use to Verify Your “Right to Request Deletion” of Personal Information

If you are our customer and have an account with us, we may verify your identity through our existing authentication practices for your account. If we suspect fraudulent or malicious activity on or from your account, we will not comply with your request until we perform further verification to determine whether your request is authentic and you are the person about whom we have collected the personal information.
Non-Customer or Non-Account Holders: If you are not a customer or do not hold an account with us, we will verify you as follows:
You will need to provide your name, address and contact phone number, which we will process to verify your identity. You will also be required to submit a signed declaration under penalty of perjury stating that you are the consumer whose personal information is requested to be deleted. If you submit a request on behalf of your minor child, you will also be required to submit affirmation that you are the child’s parent or legal guardian.

We will generally avoid requesting additional information from you to verify you. However, if we cannot verify your identity based on the information we currently maintain, we may request additional information from you, which will only be used to verify your identity and for security or fraud-prevention purposes. We will delete any new personal information we collect to verify your identity as soon as practical after processing your request unless otherwise required by the CCPA or other applicable law.

Generally, if we are unable to verify your identity, we will inform you and explain why we were unable to do so.

Our Response to Your “Right to Request Deletion” of Personal Information

Once we receive your verifiable consumer request, we will confirm our receipt of your request within 10 business days and provide you with additional information about how we will process the request. Upon receiving your confirmation, we will delete your Non-Exempt Personal Information from our records and we will also direct any service providers we work with to also delete your Non-Exempt Personal Information from their records. CCPA defines deletion of your personal information as removal from our records, de-identifying the personal information, or aggregating your personal information. We and our service providers may choose any of these three methods.

Our goal is to respond to your request within 45 calendar days of receiving the request, beginning on the day we receive the request. However, in the event that we need more time (up to 90 calendar days total) to respond to your request, we will provide you with notice and an explanation of the reasons that we will take an additional 45 calendar days to respond.

We will not charge you to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request. We may refuse to act on your request to delete if, for example, it is unfounded or excessive, if we cannot verify your identity or the authority of your agent, or because of a conflict with federal or state law, and if so, we will let you know.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. For example, unless otherwise permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you with a different level or quality of goods or services.
• Suggest that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

Contacting Us for more Information

If you have any questions regarding our privacy policies, our California Privacy Policy, the ways in which we collect, use, and disclose your personal information, or how to exercise your rights under the CCPA, please do not hesitate to contact us at:

Golden Valley Bank
190 Cohasset Road, Suite 170
Chico, CA 95926

Email: contact@goldenvalley.bank
Phone: 530-894-1000

Mobile Privacy Policy

Golden Valley Bank Mobile or My GVB (the “App”)– powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.

The App allows you to:

• get real-time balances for your accounts
• manage your money
• view your transactions and statements
• make transfers
• pay your bills and manage billers
• deposit a check
• receive alerts
• manage cards

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 the App’s 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:

(a) Personal Information You Provide to Us.

• We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, 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, 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.

(b) 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.

(c) 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 and Flash, 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.

HOW WE USE YOUR INFORMATION COLLECTED IN THE APP

(a) 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; and
• send surveys, offers, and other promotional materials related to the Services.

(b) 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; and
• prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.

(c) 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.

(a) 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.

(b) 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; and/or to provide other services to the App.

(c) Authorities and Others. Regardless of any choices you make regarding your personal information, The App 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. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

YOUR CHOICES REGARDING YOUR INFORMATION

You have several choices regarding use of information on the Services.

(a) 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 its policy on responding to these signals.

(b) 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.

(c) 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.

(d) 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.

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 App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App
by email at contact@goldenvalley.bank; or by mail at

Golden Valley Bank
190 Cohasset Rd. Ste. 170
Chico CA 95926