Effective April 1, 2012
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 information about consumers
provided in person, at our branches or by telephone, and to our customers that use our electronic services, provided
through a personal computer or the internet.
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
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 others:
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 out."
- 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.
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, 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 purpose for knowing 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
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 mailings).
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
For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC web site: www.ftc.gov.
This Privacy Notice
contains important privacy information. It forms a part of our Privacy
Policy, a copy of which is available 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 requires the use of a Access ID and a password to access
the Online Banking Service. To deter unauthorized Log in attempts,
the system will lock out the user after three unsuccessful tries.
We have taken precautions to offer you an Online Banking system that is protected, however, it is your responsibility to keep your
online password, User Access ID, account numbers, and Personal Identification Number confidential.
We have a site certificate by VeriSign for authenticating the identity of the Bank. This 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). In order to provide this protected environment we require that you use a browser with 128-bit encryption.
- Do not reveal your password to anyone and do not write it down.
- Change your password regularly.
- Do not allow your browser to automatically save your password.
- Do not leave your computer unattended during a session.
- Sign off when you are finished with the session.
Encryption is the scrambling of information transmitted between two points. It cannot be decoded until it has reached its destination,
protecting your privacy.
Fremont Banks systems are protected by "firewall systems" which allows only authorized entry.
Protecting Your Passwords
For your protection, we recommend that you do not share your online banking password, or give out your password by email or phone.
"Phishing" is a term for hoax emails that look like they are coming from a trusted institution, like your bank, to try to get you to
send sensitive information such as a password. Fremont Bank will NEVER ask for your online banking password, even if there is a need
to re-set your account.
If you have further questions regarding Security, please contact us.
Email us at firstname.lastname@example.org or call (510) 723-5780 or
(800) 359-BANK (2265) x 5780.
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. Visit the Federal Trade Commission website on Identity
Theft at: http://www.ftc.gov/bcp/edu/microsites/idtheft/.