Privacy Policy

Updated 03/23

Facts	What does BEACH CITIES COMMERCIAL BANK (“BCCB”) 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 scores

When you are no longer our client, we continue to share your information as described in this notice.

How?

All financial companies need to share client's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their client's personal information; the reasons Beach Cities Commercial Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does BCCB share?	Can you limit this sharing?
For our everyday business purposes- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to 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 companies	No	No
For our affiliates’ everyday business purposes- information about your transactions and experiences	No	No
For our affiliates’ everyday business purposes- information about your creditworthiness	No	No
For our affiliates to market to you	No	No
For non-affiliates to market to you	Yes	No

Questions?	Call 949.704.1010 or go to www.beachcitiescb.com

**What we do**
How does Beach Cities Commercial 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.
How does Beach Cities Commercial 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 We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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.

**Definitions**
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. BCCB does not have affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. BCCB does not share with non-affiliates other than requested by you for services offered.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. BCCB does not market jointly with non-affiliates.

**Other important information**
If you have any further questions, you can visit or call the BCCB Main Branch: 949.704.1010 Beach Cities Commercial Bank also complies with all California privacy laws.