Folsom Lake Bank

Privacy Policy

 

Rev. 10/12

   
FACTS WHAT DOES FOLSOM LAKE BANK 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:

  • 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.

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 Folsom Lake Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Folsom Lake Bank 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
No We Don't Share
For joint marketing with other financial companies No We don't share
For our affiliates’ everyday business purposes—
information about your transactions and experiences
No We don't share
For our affiliates’ everyday business purposes—
information about your creditworthiness
No We don't share
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call 916-985-8700 or go to www.folsomlakebank.com
What we do
How does Folsom Lake 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 Folsom Lake bank 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.

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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more rights under state laws.

Definitions
Affiliates

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

  • Folsom Lake Bank has no affiliates
Nonaffiliates

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

  • Folsom Lake 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.

  • Folsom Lake Bank doesn’t jointly market
Definitions
Affiliates

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

  • Folsom Lake Bank has no affiliates
Nonaffiliates

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

  • Folsom Lake 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.

  • Folsom Lake Bank doesn’t jointly market
Other Important Information
Other Important Information

California Financial Information Privacy Act (SB1). California law applies specifically to financial institutions doing business in California who disclose nonpublic information on a California resident. Folsom Lake Bank does not share nonpublic information with non-affiliated third parties except when permitted by law.