Privacy Policy and Principles
| FACTS | WHAT DOES NORTH VALLEY BANK HAVE TO 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 Score |
| 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 North Valley Bank chooses to share; and whether you can limit this sharing. |
SMS Communications and Privacy
North Valley Bank collects your mobile phone number, your SMS consent preferences, and information you provide when you communicate with us by text message. We collect this information directly from you when you provide your number, consent to receive text messages, or send us a text message. We use this information to respond to your inquiries, follow up on your service requests, and manage your messaging preferences.
No mobile opt-in or text message consent will be shared with third parties or affiliates. North Valley Bank does not sell, rent, or share mobile phone numbers collected for SMS communications with third parties or affiliates for their marketing or promotional purposes. Any permission to share information described elsewhere in this Privacy Policy excludes SMS opt-in information and text message consent.
If you consent to receive SMS messages from North Valley Bank, you agree to receive customer service text messages, including responses to your inquiries and follow-ups regarding your service requests. Message frequency may vary. Message and data rates may apply.
You may stop receiving text messages at any time by replying STOP. For assistance, reply HELP or call 740-450-2265.
For additional information, visit our Privacy Policy and Terms and Conditions.
| Reasons we can share your personal information: | Does North Valley Bank share? | Can you limit the 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. | YES | NO |
| For joint marketing with other financial institutions | NO | We do not share |
| For our affiliates’ everyday business purposes- information about your transactions and experiences. | NO | We do not share |
| For our affiliates’ everyday business purposes- information about your creditworthiness. | NO | We do not share |
| For our affiliates to market to you. | NO | We do not share |
| For non-affiliates to market to you. | YES | YES |
| SHARING | |
|---|---|
| TO LIMIT OUR SHARING | Call 740-450-2265 or 888-347-4355 or Mail the form below Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
| QUESTIONS | Call 740-450-2265 or 888-347-4355 or go to www.nvboh.bank |
| WHO WE ARE? | |
|---|---|
| Who is providing this notice? | North Valley Bank |
| WHAT DO WE DO? | |
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| How does North Valley 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. North Valley Bank maintains security standards and procedures to assist in the prevention of unauthorized access to confidential information about you. We update and test our technology to improve our protection of our information about you and assure the integrity of our information. |
| How does North Valley 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. North Valley Bank collects non-public personal information about you from the following sources: information we receive from you on applications or other forms; information about your transactions with us, our affiliates, or others; and information we receive from a consumer reporting agency. We will tell you why we are collecting and retaining the information, upon your request. |
| 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 non-affiliates to market to you. State law and individual companies may give you additional rights to limit sharing. |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account, unless you tell us otherwise. |
| DEFINITIONS: | |
|---|---|
| Affiliates | Companies related to common ownership or control. They can be financial and non-financial companies. North Valley Bank does not share with Affiliates. |
| Non-Affiliates | Companies not related by common ownership or control. They can be financial and non-financial. Non-affiliates North Valley Bank can share with can include financial service providers such as securities broker-dealers and insurance companies. |
| Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you. North Valley Bank does not share for Joint Marketing. |
| Other Important Information: |
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