California Consumer Privacy Act (CCPA)

Collection of Information

We collect non-personally identifiable information about you in a number of ways, including tracking your activities through your IP address or most-recently-visited URL. However, we do not collect any personally identifiable information about you unless you voluntarily submit contact information to us, such as name, phone, email address, and mailing address by filling out a form or survey, registering your email address with us or emailing us. We may also collect personal information from you at other points on our site that state that personal information is being collected.

Disclosure of Information

We do not sell or rent your personally identifiable information to any third parties.

Use of Information

We use personally identifiable and non-personally identifiable information for internal marketing purposes, for trend analysis, for pattern detection, and for site administration. However, we do not use personally identifiable information collected from the website to send unsolicited mailings to you. We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on by clicking on the unsubscribe link contained in the footer of the email.

Third Party Sites

This policy only addresses our activities from our servers. Other sites (including those that we link to within an advertisement, article or otherwise, and third-party sites or services with which we offer or co-brand) may have their own policies, which we do not control, and thus are not addressed by this policy.

Review and Removal of Your Personally Identifiable Data

If you provide us with personally identifiable information to have us perform ongoing services to you, we will provide you with a way to review the information we have on file and either change or remove such data. To do so, please notify us via post or email at www.bancorp.com/CCPA, and we will provide you with your contact information for review. To make changes, send us the changes and we will respond to your request for access within thirty (30) days of the request. Unfortunately, to the extent that such information is also stored in other databases, we cannot always ensure that such corrections or deletions will reach the other databases. If you wish to have information you provided to us online removed from our records, please provide us with the information as you submitted it to us at the address above. We will use all reasonable efforts to ensure that your information is removed from our records.

Cookies and Other Tracking Methods

When you view our website, we might store some information on your computer. This information will be in the form of a “cookie” or similar file. Cookies are small pieces of information stored on your hard drive, not on our site. Cookies, which are tied to personal information, do not spy on you or otherwise invade your privacy, and they cannot invade your hard drive and steal information. Rather, they help you navigate a website as easily as possible. Cookies can help us provide information that is targeted to your interests and they allow us to better understand how users use our site, which in turn helps us focus our resources on features that are most popular with our users. You are always free to decline our cookies if your browser permits, but some parts of our site, including our registered customer account web sites may not work properly in that case.

Legal Disclosure

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

Security

We use industry-standard methods to protect your personally identifiable information from unauthorized access. Among other techniques, we usually store such information on a computer behind our “firewall” in a secure location, and we often restrict the number of employees internally who can access such data. Of course, there is no such thing as “perfect security” on the Internet.

Amendments

Amendments to this policy will be posted at this URL and will be effective when posted.

Changes in this Privacy Statement

If we decide to change our privacy policy, we will post those changes to this privacy statement, the home page, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page. You can contact us at compliance@bancorp.com for any privacy related issues.

California Consumer Privacy Act Privacy Policy

Information for California Residents

Personal Information Collected

Examples of personal information that we may collect for purposes of taking an application and/or for the purposes of loan origination include:

Real Name, Postal Address, Email Address, Social Security Number, Driver’s License Number, Passport Number, Signature, Insurance Policy Number, Education, Employment, Wages/Earnings, Taxes and Bank Account Number/Account Balances.

California Consumers’ Rights and Choices

If you are a California resident, California law permits you to request Information regarding the:

• Categories of Personal Information (as defined by applicable California law) collected, sold or disclosed by us (see above – Personal Information Collected);
• Purposes for which categories of Personal Information collected by us are used; include:
  • To determine qualifications for mortgage loan products
  • For potential servicing of mortgage loans
• Sources of information from which we collect Personal Information; and
• Specific pieces of Personal Information we have collected about you.

In addition, if you are a California resident you may:

• Opt-out of the sale or disclosure of your Personal Information, in some circumstances;
• Opt-out of receiving marketing communications from us; however, you may still receive administrative communications regarding the Services;
• Opt-in to certain financial incentive programs we may offer related to the collection, sale, or deletion of your Personal Information; and
• Request deletion of your Personal Information by us and our service providers, in some circumstances.

You will not be discriminated against for exercising your rights under the California Consumer Privacy Act.

Requests

You can make requests related to your California privacy rights at the attached links:

• Access My Personal Information
• Delete My Personal Information

You may also make those requests by calling 1-888-329-8518.

Please be aware that we do not accept or process requests through other means (e.g., via fax, social media, email addresses, etc.).

When you make a request, we may ask you to provide verifying information, such as your name, email, or phone number. We will review the information provided and may request additional information via email or other means to ensure we are interacting with the correct individual. Please also be aware that making any such request does not ensure complete or comprehensive removal or deletion of Personal Information or content you may have posted, and there may be circumstances in which the law does not require or allow us to fulfill your request.

Children

Our Services are not directed to children, and we do not knowingly collect Personal Information from children under the age of 16. If you learn that a child has provided us with Personal Information, then you may contact us as indicated above.

Do Not Track

Resban does not currently take steps to respond to browsers’ “Do Not Track” signals as no uniform standard to respond to such signals has been developed at this time.