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Privacy Notice

 

Your Right to Financial Privacy

At West Gate Bank, we value our relationship with our customers and the opportunity to serve their financial needs. As a valued customer of West Gate Bank, you have the right to know our privacy policies and practices. These policies are designed to protect the nonpublic personal information you provide us. This notice describes our privacy policies and procedures and affirms our commitment to ensuring the confidentiality and security of customer information.

We will use certain terms in this notice that are defined as follows:

Affiliate:  any company that controls or is under common control with another company
Consumer Reporting Agency:  a person or business, which makes a practice of collecting and evaluating consumer credit information for the purpose of furnishing consumer reports to third parties
Nonaffiliated Third Party:  any person(s) or corporate entity that is not an affiliate or is not a joint employee of the financial institution or a third party
Nonpublic Personal Information:  personally identifiable financial information that is not available from public sources
Publicly Available Information:  any information that is lawfully available to the general public from official public records
We, Our, Us:  this means West Gate Bank
You, Your:  this means our customers with whom we have a continuing relationship through one or more accounts and also consumers who may use or inquire about a service we may provide

 

What Information We Collect

We collect nonpublic 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;
• Information we receive from a consumer reporting agency.

Information We Disclose to Nonaffiliated Third Parties

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Disclosure Exception for Joint Marketing and Service Providers

We may disclose the following information to businesses that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements:

Nonpublic personal information we receive from you on applications or other forms, such as:

• Name
• Address

The types of businesses with whom we may disclose nonpublic personal information include:

• Financial Institutions
• Marketing Agencies

Federal law allows us to disclose this information to other businesses that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. You do not have the right to opt out of this disclosure. We disclose this information only for the purposes of servicing your account or to market products and services on our behalf. Our agreements with these businesses are subject to confidentiality provisions and include restrictions on using the information for any other purpose.

Information Disclosure to Outside Parties In Other Situations

We are also permitted by law to disclose nonpublic personal information about you to "nonaffiliated third parties" in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government agencies in response to subpoenas, and to credit bureaus.

If Our Customer Relationship Ends

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Information Security Procedures

At West Gate Bank, we take steps to safeguard customer information. We restrict access to your personal account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

West Gate Bank
Member FDIC