Online Security

The CommerceWest Bank (Bank) Online Security and Privacy Policy explains how we may collect information from you online when you visit our website. Our commitment to protect your information and your privacy extends to your online banking. While our privacy policies are the same, whether you are online or not, we have extra measures in place to protect your privacy when you bank online with us.

How we handle information about you when you visit our website will depend on what you do when visiting the site.

Visiting

If you visit our website to read information and do not use any of our online services, then we collect and store only the name of the domain from which you access the Internet, the date and time you access our website and the Internet address of the website from which you linked directly to our website. We may record the “IP address” assigned to you by your internet service provider as part of this process. We use the information we collect to measure the number of visitors to the different sections of our site, and to help us make our website more useful to visitors.

Using Services

When you visit our website, or use our electronic banking services, there may also be times when you are asked to provide information about yourself that is personally identifiable ("Personal Information"). This may include any of the following:

  • your first, middle and last name,
  • your home or other physical address (including street name and name of a city or town),
  • your e-mail address,
  • a telephone number,
  • social security number,
  • account number,
  • date of birth,
  • mother's maiden name, and
  • password or any other identifier that permits physical or online contact with you.

Personal Information might be needed or requested from you so you can register for banking or other services, or to fill out our forms or applications for services (such as credit cards), for special promotions or contests, or to accomplish transactions you request (such as bill payment or other banking services). This may result in sharing of Personal Information with third parties (such as data processors or service bureaus) as part of servicing your accounts or transactions.

When you supply us with your postal or e-mail address or telephone number online, you may receive periodic mailings or telephone contact from us with information on new products, services or upcoming events. If you do not wish to receive such mailings or contact, please call us or write us at the telephone number or address shown on your account statement. Please provide us with your exact name, street, and e-mail address. Even if you make this choice, we may still send you e-mail to deliver your statements (which may include marketing materials) or give you account-related notices or other information.

Cookies

There is a technology called “cookies” that can collect, store, and sometimes track information. A cookie is a small data file that can be placed on your hard drive when you visit certain websites. We use cookies to store your preference information on the use of our site and to facilitate access to restricted web pages during a single online session. A session cookie (or ‘session variable’) is used to authenticate your login information.

While you are logged on viewing your account information or conducting online transactions with us, we recommend that you do not access other websites during your online session. Always exit from your online session with us before moving to or accessing other websites and prior to turning off your computer.

Some browsers allow you to reject cookies. However, if you set your browser to reject cookies, you may find that you are unable to conduct your online transactions with us. If you choose to NOT accept cookies while accessing web pages on the Internet, we suggest that you enable acceptance of cookies when you are logged onto your online session with us. For detailed instructions on enabling and disabling cookies, refer to your web browser’s online HELP menu or user manual.

E-Mail

You may also decide to send us information that personally identifies you, for example, in an electronic mail (e-mail) message. We will use that information to respond to the inquiry and provide accurate information in response to questions. We preserve your e-mail address, our response, and the original content of your e-mail for a period of time so we can efficiently handle any follow-up questions you may have. We also do this for legal, regulatory and account servicing requirements.

If you visit our website or engage in any online services that we offer, then we may collect and store these categories of Personal Information. We will not share the Personal Information you provide us at our website or by e-mail, except as described below. The Personal Information we obtain from you is stored with us if it is to be used on an on-going basis.

E-MAIL SCAMS AND SECURITY

Regular Internet e-mail is not a secure form of communication. When sending an e-mail to us, do not provide sensitive or confidential information (for example, your account number). Submitting information via one of our online contact forms is secure as we employ encryption.

E-mail can be used for sending scams such as a false offer from a company or an alert to a false computer virus. These e-mails are often forwarded with good intention by friends, adding an erroneous level of legitimacy. If you receive an e-mail that you think could be a scam, do not forward it and delete it immediately. If you receive an e-mail warning that a new computer virus is circulating, check the website of any one of the well-known anti-virus software companies for validation.

THIRD PARTIES WITH WHOM WE BANK MAY SHARE INFORMATION

Presently, CommerceWest Bank discloses Personal Information to third-party persons about our clients or former clients only as permitted by law in connection with the administration, processing, or servicing of accounts.

For example, this may include disclosure to a credit-reporting agency or in response to a subpoena or other legal process; disclosure to protect against fraud, or as part of an audit or examination; and disclosure to protect and defend our rights and property or to act in an emergency or to protect someone’s safety.

As we develop our business, we may also buy and sell assets, and your Personal Information may be one of the transferred assets. In the event that we are acquired by another company, your personal identifiable information may be part of the assets transferred to the acquiring party.

Please be aware that other services, such as bill payment, provided by other companies via links to their website from a CommerceWest Bank’s website, are not subject to this policy. We encourage you to review third-party service providers’ privacy policies before sharing your Personal Information.

PROCESS TO REQUEST CHANGES TO PERSONAL INFORMATION

We wish to maintain complete and accurate information about you and your account, including information you have entered through any CommerceWest Bank website, and have internal procedures in place to help us accomplish this. We also have established procedures to assist you should you ever believe that our records contain inaccurate or incomplete information about you. Please contact us at (949)251-6959 to view and access your Personal Information. We will investigate your concerns and promptly correct any inaccuracies.

NOTIFICATION OF CHANGES

This Online Security and Privacy Policy is subject to change at any time. We will communicate any material changes to you as required by law. We will post the revised online privacy notice on our website with a link at www.cwbk.com on our home page. Our home page will also have a statement notifying readers that our online privacy notice has changed and the effective date of changes. In addition, the effective date stated at the top of this policy will be revised in conjunction with any material updates performed. Your continued use of our Website or any online service following notification will constitute your agreement to any changes.

CHILDREN'S ONLINE PRIVACY PROTECTION ACT

Our website is not directed to children under the age of 13. We do not knowingly solicit data from persons under the age of 13 and we do not knowingly market to persons under the age of 13.  For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC web site: www.ftc.gov

LINKS TO NON-COMMERCEWEST BANK WEBSITES

We are not responsible for the information collection practices of the non-CommerceWest Bank sites linked to or from our website. We cannot guarantee how these third parties use cookies or whether they place on your computer cookies that may identify you personally. We urge you to review the privacy policies of each of the linked websites you visit — before you provide them with any personally identifiable information.

(Rev. 4.29.13)