Mission Valley Bank Privacy Policy

Mission valley Bank Privacy Policy

Effective Date: May 2021 Last Updated: May 2022

1. Introduction

Mission Valley Bank. (“MVB” or “we”) respects your privacy and is committed to protecting it. This Privacy Policy (“Policy”) is for users of our website, www.missionvalleybank.com, users of our “Mission Valley Bank Mobile” mobile banking app, and users of any other website, mobile app or service we operate that links to this Policy (collectively, the “Services”). The Policy describes how we may collect, use, and share your Personal Information in connection with operating the Services. It also explains related rights and choices you may have.

MVB customers and consumers should also refer to our U.S. Consumer Privacy Notice (“Privacy Notice”), which contains privacy disclosures we are required to make as a federally-regulated financial institution. The Privacy Notice supplements this Policy.

California residents should also refer to our California Consumer Privacy Statement, which discloses additional information pursuant to the California Consumer Privacy Act of 2018, as amended (the “CCPA”). Our California Consumer Privacy Statement supplements this Policy with respect to California residents.

You may see other privacy notices when we collect your Personal Information for certain purposes. Those notices also supplement this Policy.

Rights described in this Policy, or that you may have under certain consumer protection laws, may not apply if you are using the Service on behalf of an organization that is our customer.

To visitors in the European Economic Area (EEA), United Kingdom, Switzerland or elsewhere outside the United States (“Other Countries”): MVB is a National Association chartered under the laws of the United States with headquarters in Sun Valley, California. Our Services are not targeted to natural persons in Other Countries. If you visit our Service or contact us, your Personal Information will be processed in the United States—which has neither sought nor received a finding of “adequacy” from the European Commission as referenced in Article 25 of the European Union’s General Data Protection Regulation (GDPR)—and will be handled in accordance with this Policy and applicable U.S. law, unless we have agreed otherwise in writing with you or a third party you are affiliated with.


2. What is “Personal Information”?

When we say “Personal Information,” we mean information that can reasonably be linked to a particular individual or their household. Generally speaking, your Personal Information includes your unique identifiers (full name, phone number, email address, user name, etc.), and information about your characteristics, conditions or behavior that is associated with one of your identifiers or could otherwise reasonably be linked to you.

“Non-Personal Information,” on the other hand, has been anonymized, aggregated or de-identified such that it cannot reasonably be linked to a particular individual or their household.


3. Personal Information We Collect and How We Collect It


The categories of Personal Information that we may collect include:

• “Identifiers,” such as first and last name, address, email address, phone number, driver’s license number, user name, signature, Social Security number, tax ID number, IP address, cookie ID, mobile device identifier and similar information.
• “Demographic Information,” such as age. Demographic Information may include legally protected classifications.
• “Financial Information,” such as credit or debit card information, account balances and transactions, credit history and payment history
• “Commercial Information,” such as products purchased, obtained, or considered, or information about how you use our Service
• “Professional or Employment Information,” such as job title and business or employer name.
• “Device or Browser Information,” such as the type of device or browser you use to access the Service
• “Internet Activity,” comments or other content posted to our Service or shared with us via email, browsing activity, social media content, interactions with our Service, and interactions with marketing communications sent on our behalf.
• “Geolocation Data,” such as your precise or approximate location when you access our mobile app


Collection Sources

From You When You Provide It. We may collect Identifiers and other Personal Information from you directly when you download our mobile app; register or sign in to your account; fill out a form on the Service; use the Service; subscribe to receive emails or newsletters from us; or otherwise communicate with us.

Automatically From Your Device. Like most online services, our Services may passively collect some information from users’ devices in order to make features function correctly, customize the user experience, understand how the Service is being used, or measure the effectiveness of marketing efforts. Some of this data may be collected through the use of browser cookies or other online tracking technologies, which are explained below. In some cases, we limit this type of collection to Non-Personal Information. However, this data may include Personal Information such as online Identifiers and related Device Information or Internet Activity in some circumstances.

From Third Party Sources. We may obtain information about you from other third-party sources. For example, we may collect Identifiers, Professional or Employment Information, or Internet Activity that you have chosen to disclose on social media platforms. 

We may combine information collected from other sources with information collected from you or your device. To the extent the information, alone or in combination, constitutes Personal Information, we will treat it as Personal Information as described in this Policy.


4. How We Use Personal Information

We may use Personal Information for the following purposes:

  • To present the Service to you and maintain your account (if you create one)
  • To process payments
  • To analyze how our Service is used;
  • To secure our Services against fraud, malicious activity, or conduct that may violate our terms of use;
  • To personalize and improve your experience with the Service;
  • To provide you with information, products, or services that you request from us;
  • To notify you about changes to our Service and any products or services we offer or provide through them;
  • To allow you to participate in interactive features on the Service;
  • To provide you with periodic product newsletters and offers;
  • To contact you and provide you with help if you have a customer service issues;
  • To contact you to fill out surveys and participate in other types of market research;
  • To measure performance of our marketing efforts;
  • To notify you of new products or services we think you might be interested in;
  • To comply with our legal obligations o In any other way we may describe when we collect the information; and
  • For any other purpose with your consent.

We may use Non-Personal Information for any purpose.


5. How We Share Personal Information


We may share Personal Information with contractors, service providers, and other vendors who assist or support us in providing the Services. Examples of these third-party services may include hosting our site, storing data, performing analytics, processing payments, or sending marketing communications. Our agreements with vendors prohibit them from retaining, using, or disclosing the Personal Information we share with them for any purpose other than providing services to us.


Analytics And Marketing Partners

We may share your Personal Information with analytics or marketing partners, who may also be our vendors, to analyze how our Service is used and to support our marketing efforts. This sharing may involve the use of browser cookies and similar technologies placed through our Service by our partners, as explained here. For example, when you visit our website, our partner’s Cookie may cause your browser to automatically send a request to our partner’s server and may provide our partner with your IP address, other online Identifiers, Device Information, and Internet Activity.


Mandatory Disclosures and Legal Proceedings

We may have a legal obligation to disclose Personal Information to government authorities or other third parties pursuant to a valid regulatory request, subpoena, or court order. We may also need to disclose and otherwise process your Personal Information in accordance with applicable law to prevent physical harm or financial loss, protect the vital interests of a person, enforce our various policies or terms of use, protect our property, services, and legal rights, prevent fraud, support auditing, compliance and corporate governance functions, or comply with applicable law.


Change In Control or Merger

We may transfer your information in the event of the sale of substantially all of the assets of our business to a third-party or in the event of a corporate merger, consolidation, acquisition, or reorganization. However, in such event, any acquirer will be subject to the provisions of our commitments to you, or we will not disclose your information.


With Your Direction or Consent

We will share your Personal Information with other third parties as you may direct or otherwise consent.


6. Children’s Privacy

Our Services are not directed to children (individuals under the age of 13). We do not knowingly collect, maintain, or process children’s Personal Information unless the child’s parent or guardian consents and provides the information. If we determine that we have received a child’s Personal Information from a source other than the child’s consenting parent/guardian, we will immediately delete the information.


7. Cookies And Online Tracking

What Are Cookies?

A browser cookie is a small piece of data that a website stores in your device’s browser. It holds information that the site uses to function properly, remember your preferences, or personalize your experience. A typical cookie contains a cookie ID, which is a unique string of characters used to identify your browser during the browsing session, or in some cases, during subsequent browsing sessions. Cookies, cookie ID’s and similar pieces of data may be considered Personal Information (Identifiers or Internet Activity) under applicable law.

Other online technologies, similar to cookies, may allow users to be identified and tracked across multiple browsing sessions, and in some cases tracked across different websites and online services for marketing or advertising purposes. These technologies include, but are not necessarily limited to, pixels, web beacons and scripts (collectively with browser cookies, “Cookies”).


How Cookies May Be Used on Our Services

Our website uses “first party” Cookies, which are set by our web domain (www.missionvalleybank.com). Our Service also uses some “third party” Cookies, which are set by other web domains associated with our vendors or partners. This means that, when you visit our site, your browser may automatically connect to our vendor’s or partners’ web server, as well as ours, and provide them with access to your online Identifiers and Internet Activity, including information about how you use our site.

Both First Party and Third-Party Cookies may be used on our Services for the following purposes:

Essential: Essential Cookies are necessary for site security and to enable you to move around our site and use its features.
Preferences: Preference Cookies allow us to remember your preferences on the Service during a browsing session or across browsing session.
Analytics: Analytics Cookies allow us to analyze use of our Site or Service to evaluate and improve performance.

Our Services don’t use any Cookies to track you for cross-site behavioral advertising purposes.


How You Can Block Cookies

You can block, disable, or delete cookies at any time by changing the settings in your browser. However, blocking, disabling, or deleting cookies may limit your ability to view all the pages of our site or other sites. You can find more information about cookies and other options you may have for restricting them at www.cookiesandyou.com/, and www.aboutads.info/choices.


“Do Not Track” Signals

Your browser may offer a Do Not Track (DNT) setting. If you turn that setting on, your browser sends a signal to websites indicating that you don’t want to be tracked over time or across third party sites. We don’t currently respond to these signals because there is not yet a common understanding of how to process them or a consensus on what “tracking” means.


8. Your Rights and Choices

Opt-Out of Marketing Communications

You may opt-out of our marketing emails by using the unsubscribe link provided in the email.


Your Browser and Device Settings

See Section 7 for options to restrict Cookies.

California Residents

If you are a California resident, please see our California Consumer Privacy Statement for additional rights you may have.


9. Links To Third Party Sites

Our Services may contain links to third-party websites, products, or services. If you use these links, you will leave our site. Such links do not constitute or imply an endorsement, sponsorship, or recommendation by us of the third party, the third-party website or the information contained therein, and we shall not be responsible or liable for your use thereof. Such use shall be subject to the terms of use and privacy policies applicable to those sites.


10. Third Party Direct Marketing

We don’t share Personal Information with third parties for their direct marketing purposes.


11. Security

The security of your Personal Information is important to us but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially reasonable means to protect your Personal Information, we cannot guarantee its absolute security.


12. Changes To This Policy

This Privacy Policy is effective as of May 1, 2021, and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.


13. Contact Us

If you have any questions or concerns about this Policy, please contact us via compliance@missionvalleybank.com.