This policy was last modified August, 2013
If you apply to use our services, you entrust us with some personal information
about yourself. At Fremont Bank, we recognize and respect the personal privacy of
our customers. Therefore, we want you to know about the policies and procedures
that we have developed to help protect the confidentiality of nonpublic personal
applies to our traditional banking customers who use services provided in person,
at our branches or by telephone, and to our customers that use our electronic services,
provided through a personal computer, or mobile device via the Internet.
like the other policies at our Bank, is used by us as a guideline and a business-planning
tool. It is not a contract or standard that we are obligated to follow in all cases
or in all manners, and we may change it in accordance with our internal policy-setting
procedures, from time to time. If you would like to verify that this is or is not
or by e-mail to
What Kind of Information is Collected about You?
At Fremont Bank, we collect most of our information directly from you. How much
we collect depends on you.
If you are a visitor at one of our branches, no information is collected about you
unless you make a request that requires us to obtain information (such as, you ask
that something be sent to you or that you want a telephone call from us) or you
otherwise provide the information to us. If you are a visitor to our Web site, www.fremontbank.com, our
Web server automatically recognizes your Internet Service Provider’s domain
name and aggregates information about what pages are visited. We use this information
to improve the content of our Web pages. But unless you make a request when you
visit our Web pages, we do not collect e-mail addresses or postal addresses, or
telephone numbers, to contact visitors.
If you are, or become, a customer of Fremont Bank, nonpublic personal information
about you is collected from the following sources:
- From you on applications or other forms (such as your name, address, social security
number, assets and income);
- From your transactions with us, our affiliates, or others (such as your account
balance, payment history, parties to transactions, and credit usage); and
- From consumer reporting agencies (such as your creditworthiness and credit history)
or other third parties.
What We do With Information About You
In most cases, any nonpublic personal information about you that we collect is used
by us in our efforts to serve your financial needs and administer your personal
accounts and transactions. All nonpublic personal information collected and retained
by Fremont Bank is used for specific business purposes. Thus, we may use the information
to protect and administer your personal accounts and transactions, to comply with
state and federal banking regulations, to help improve or design our products and
services, or for similar purposes.
Disclosure of Information to Others
With limited exceptions, we do not currently sell or share personally identifiable
information about you with others. If we change this policy, we will let you know
beforehand and give you an opportunity to "opt out." As exceptions to this policy,
we may from time to time provide personally identifiable information about you to
- To help assure the accuracy and security of the information. For example, we may
provide information to consumer reporting agencies.
- In connection with the acquisition or sale of loans, or all or a portion of our
business, or other businesses.
- In connection with inquiries made by merchants or others, where the other party
represents to us that the inquiry is made as a result of a transaction with you.
For example, merchants will from time to time ask us to verify the status of a check
you have given them.
- As part of our marketing of our financial products or services. We may, for example,
use another party to mail materials to you, or to help us identify products and
services we offer that may appeal to you.
- As part of any legal or regulatory requirements imposed on us.
Our "Privacy Notice" includes further information on the circumstances where we
disclose information to others. As a general rule, we do not share information with
others under programs where the other person will use the information to market
their products or services to you. If we decide to change this policy, we will inform
you of the change and give you an opportunity to prevent the sharing by "opting
California Financial Privacy Act
In accordance with the California Financial Information Privacy Act ("Division 1.2")
we will not share information we collect about you with companies outside of our
corporate family, except as permitted by law, including, for example, we may share
information with your consent or to service your account.
Maintenance of Accurate Information
We will do our best to keep the information collected complete, current and accurate.
When customers notify us that the information is inaccurate, we will research the
matter and make any necessary corrections.
Employee and Vendor Access to Information
Only authorized Fremont Bank employees and vendors who have a legitimate business
need to know the information are authorized to access personally identifiable information.
Each employee and vendor has responsibility for maintaining the confidentiality
of customer information. We maintain physical, electronic, and procedural safeguards
that comply with federal standards to guard your nonpublic personal information,
and take appropriate disciplinary measures to enforce employee responsibility.
The Bank is selective in choosing the companies with which we have these arrangements.
We share information about you only to the extent that they need the information
to fulfill the purpose of their contracts with us. We require them to comply with
strict standards of security and confidentiality, and they are not permitted to
release, use or transfer customer information to non-affiliated third parties for
their own purposes.
Privacy Principles for Customers
Fremont Bank is committed to ensuring the privacy of our customers’ personal
information. Customers who are concerned about financial privacy and want to tell
us not to call or send direct mail for additional products or services, or want
to know more about this important issue may contact their Fremont Bank representative,
or write us at 39150 Fremont Blvd., Fremont CA 94538 (Attn: Compliance Manager),
call us at (800) 359-BANK (2265) or e-mail to
Please note that if you make this choice, we will still call you and send you mail
to service your existing relationships, or provide account related information (and,
when doing so, the mail we send may include pre-printed marketing materials in those
Protecting Children’s Privacy Online
From our web sites, we do not knowingly collect or use personal information from
children under 13 without containing verifiable consent from their parents. Should
a child whom we know to be under 13 send personal information to us, we will only
use that information to respond directly to that child, seek parental consent, or
provide parental notice. We are not responsible for the data collection and use
practices of nonaffiliated third parties to which our web sites may link.
For more information about the Children’s Online Privacy Protection Act (COPPA),
visit the FTC web site: www.ftc.gov.
You can browse our website anonymously without identifying yourself during your
visit, unless you register for a service or otherwise choose to disclose your identity
to us. Although we do not collect personal information that identifies people who
simply visit our site, we may collect certain limited information about our visitors,
such as their IP address (a numeric address assigned automatically to computers
and mobile devices when they access the Internet), type of device, type and version
of web browser and Operating System used, etc. We will only obtain and use information
where we reasonably believe it would be useful and allowed by law to administer
our business and to provide products, services, and other opportunities to our customers.
Services and Advertisements
Fremont Bank advertises on pages within the Bank’s sites, including mobile
downloadable apps, as well as on other websites and mobile applications (collectively
"Sites") not affiliated with Fremont Bank. We may use third parties to provide services
on our behalf, such as website analytics, hosting of microsites, or social media
moderation services. Information collected by us or our advertising service providers
through cookies and other technologies includes the number of people who look at
each of the pages on the Sites, search engine referrals, browsing patterns within
the Sites, and responses to advertisements and promotions on the Sites and on websites
where we advertise. If you provide these third parties with information, their use
of that information will be subject to their privacy policies, if any, and will
not be subject to Fremont Bank’s policy.
Links to Other Websites
Where our site contains links to other sites and resources provided by third parties,
these links are provided for your information only. When you click on one of these
links, you will leave our site and will no longer be subject to Fremont Bank’s
sites or resources, and accept no responsibility for them or for any loss or damage
that may arise from your use of them. If you follow links to websites not affiliated
or controlled by Fremont Bank, you should review their privacy and security policies
and other terms and conditions, before you provide them with any personally identifiable
information. Fremont Bank does not guarantee and is not responsible for the privacy
or security of these websites, including the accuracy, completeness, or reliability
of their information.
Social Media Sites
When you engage with Fremont Bank on social media platforms including, but not limited
to, Facebook®, Twitter®, Yelp®, YouTube®, you make certain information
from your social media profile available to Fremont Bank and other platform users.
Any content you post such as pictures, information, opinions, or any Personal Information
that you make available to other participants on these social platforms, is subject
to them to better understand your rights and obligations with regard to such content.
This Privacy Notice contains important
at any branch, on our web site which is shown above, or by calling (800) 359-BANK
(2265). This Privacy Notice describes how we may now or may in the future handle
nonpublic personal information about you as our customer. We may amend (add to,
delete or change) these terms, with such prior notice as is required by law.
Fremont Bank’s Online Banking service requires the use of an Access ID and
a password. To deter attempts at unauthorized access, the system will lock out the
account after three unsuccessful tries. It is your responsibility to keep your password,
user access identification number, account numbers, and other personal information
confidential. Here are some tips on how to do this.
- Do not reveal your password to anyone and do not write it down. You can use a secure
password manager to keep track of passwords. Fremont Bank will NEVER ask for your
online banking password.
- Change your password regularly. Choose a long password, such as two words separated
by a number or punctuation.
- Do not leave your computer unattended while you are logged in and sign off and close
the web browser or web application when you are finished with your session.
- Fremont Bank makes ThreatMetrix security software available to you at no cost. You
can take advantage of this program to further protect your online banking experience.
- In addition, you should run up to date anti-virus, anti-spyware, and firewall software.
Often, all of these are available within a single commercial product. Always install
security updates when you are prompted by your system.
- If possible, use a single, trusted computer to perform online banking, and don’t
use that computer for any other Internet activity.
Our web site digital certificate issued from a Certificate Authority (CA) validates
the identity of the Bank to your web browser, which ensures that you are communicating
with Fremont Bank’s web site and not an imposter. While using online banking
all communications are encrypted using Secure Sockets Layer (SSL) and Hypertext
Transfer Protocol Secure (HTTPS), which requires that you use a web browser with
at least 2048 bit (4096 is highly recommended) encryption. Most modern web browsers
Protecting Your Privacy
Learn ways to protect your personal information from identity theft, and what you
can do if you suspect someone has used your personal information. Please visit the
Federal Trade Commission website on Identity Theft at: http://www.consumer.gov/idtheft/
Additional information on protecting your privacy online at:
To learn ways to protect your personal computer and mobile device, visit the US-CERT
and the NSA web sites at: