Privacy Policy
Points West Community Bank and its subsidiaries (collectively, “Company”, “Us”, “Our”, or “We”) recognize that you may be concerned about our collection, use, and disclosure of your personal information. We respect your privacy and are committed to providing a transparent notice of our privacy practices.
This policy describes the types of information We may collect from you when you visit our website(s), including https://www.pwcbank.com (our “Websites”) or Our mobile application(s). This policy also covers information We collect about you offline, from third parties, when you contact us by phone or e-mail. This policy describes Our practices for collecting, using, maintaining, protecting, and disclosing that 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:
- Social security number
- Overdraft history
- Payment history
- Credit history
- Credit card or other debt
- Checking account information
When you are no longer a customer, we continue to share your information as described in this policy.
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 Points West Community Bank chooses to share; and whether you can 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. Points West Community Bank can share this information, and you cannot limit this sharing.
For our marketing purposes – to offer our products and services to you. Points West Community Bank can share this information, and you cannot limit this sharing.
For joint marketing with financial companies. Points West Community Bank can share this information, and you cannot limit this sharing.
For our affiliates’ everyday business purposes – information about your transactions and experiences. Points West Community bank does not share this information.
For our affiliates’ everyday business purposes – information about your creditworthiness. Points West Community bank does not share this information.
For nonaffiliates’ to market to you. Points West Community bank does not share this information.
What we do
How does Points West Community Bank 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 Points West Community Bank collect my personal information?
We collect your information, for example, when you:
- Open an account
- Apply for financing
- Apply for a loan
- Give us your contact information
- Make deposits or withdrawals from your account
We also collect your information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit my 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates – Companies related by common ownership or control. They can be financial and non-financial companies. Points West Community Bank does not share with our affiliates.
Nonaffiliates – Companies not related by common ownership or control. They can be financial and nonfinancial companies. Points West Community Bank does not share with nonaffiliates so they can market to you.
Joint Marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include securities broker-dealers or insurance agents.