Privacy Policy
We at Valley Capital Bank, N.A. (the “Bank”) recognize and respect how important personal privacy is to you. Protecting your privacy, along with your financial assets, is at the core of our business. You have chosen to do business with us, and we recognize our obligation to keep the information you provide to us, personally and through our on-line sites, secure and confidential. We continue to examine the practices of our banking operation, and have adopted the following privacy principles in our enduring commitment to provide quality service to you, our valued customer.
Recognition of Our Customer’s Expectation of Privacy
Our Bank recognizes that our customers expect their financial information to be kept private. We have adopted and maintain standards and procedures designed to protect against misuse or improper disclosure of your financial information.
Collection, Use and Retention of Customer Information
We collect, use and retain information about our customers for specific business purposes where we reasonably believe it would be useful (and allowable by law) in administering our business, and providing products and services, and other opportunities to our customers and advising our customers regarding such products, services and opportunities.
We collect the following nonpublic personal information about you from the following sources:
- Information we receive from you on applications, on our on-line sites or other forms, such as your name, address, social security numbers, assets, and income;
- Information about your transactions with us or others, such as account balance, payment history, and parties to such transactions;
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
Maintenance of Accurate Information
We have implemented procedures to help ensure that customer financial information is maintained in a commercially reasonable manner so that is accurate, current and complete. We respond to all customer reports of incorrect or incomplete information and will correct customer information when we determine that it is inaccurate, all in a timely manner.
Limiting Employee Access to Information
We limit employee access to personally identifiable information to those with a business reason for knowing such information. The Bank educates its employees so that they will understand this policy and the importance of confidentiality and customer privacy. Bank employees who violate this Policy will be subject to appropriate disciplinary measures.
Protection of Information
We maintain and follow appropriate security standards and procedures designed to guard against unauthorized access to and disclosure of confidential customer information. We also are continually assessing new technology as it becomes available in order to continue to best protect our customer’s privacy.
Restrictions on the Disclosure of Account Information
We do not reveal the information we collect about you or our former customers, as identified above, to affiliates or unaffiliated third parties except as permitted or required by law. These instances may include from time to time (1) you request or authorize it; (2) the information is proved to help complete a transaction initiated by you; (3) the information is provided to reputable consumer reporting agencies; (4) to comply with legal reporting requirements or court orders; and (5) the disclosure is otherwise permitted.
We do not disclose any information about our customers to companies that perform marketing services.
Maintaining Customer Privacy in Business Relationships with Third Parties
We may share nonpublic personal 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 offered to you as a customer as permitted by law. Situations where this type of sharing would be appropriate could include:
- When we contract with third parties to help deliver our services to you. Note: Additional privacy and security standards may be applicable for on-line services; they will appear within the appropriate section of our on-line sites and related agreements for such on-line services.
- When credit bureaus or others, as appropriate, in the course of customary business practices, ask for credit references;
- When we share information with third parties, we hold all such parties to the same or higher standards as we do ourselves with respect to privacy of your information.
Disclosure of Privacy Principles to Our Customers
We want you to understand our commitment to privacy issues and our use of confidential customer information. Customers who are concerned about financial privacy and want to know more about this important subject, have a question regarding this notice, or wish to obtain a copy of this notice, can call our main number at (480) 760-4000 or write us at the following address:
Valley Capital Bank, N.A.
Attn: Customer Service
1910 S. Stapley Drive, Suite 137
Mesa, Arizona 85204
MEMBER FDIC
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