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ONLINE PRIVACY NOTICE

Last Updated: March 18, 2016

Bank of the West, BancWest Investment Services, and their respective subsidiaries (collectively "Bank of the West", "we," "our," or "us") are committed to safeguarding the privacy and security of your information on our online or mobile web sites (Sites) and mobile applications (Apps).

When you visit our Sites or use our Apps, we may collect personal information from and about you. In general, we may use the information we collect to provide our services, and to enhance the quality of our Sites and our Apps. All of this is discussed in greater detail below, and we encourage you to read this privacy notice carefully.

Here are some links to help you navigate this privacy notice:

 

INFORMATION WE COLLECT

Bank of the West collects information when you use one or more of our Sites or our Apps. The type of information we collect depends on how you use our Sites and our Apps.

All Visitors to our Site or our Apps: If you do not bank online with us, we do not collect, capture, or retain personally identifiable information when you are just browsing our Sites or our Apps. We only collect the following anonymous information we call "Site Visit Information" when you visit our Sites:

  • network or device related information like your operating system or IP address
  • information about your physical location, but only with your permission
  • anonymous information about which pages you visit on our Sites
  • anonymous information about the webpage you visited just before our Sites, and information about the webpage you visited just after leaving our Sites

Online Account Applicants: In addition to the Site Visit Information discussed above, if you apply for a new deposit or investment account online, we collect your name, address, telephone number and email address, and your account history information, your Social Security Number or other identification information, and other account qualification information. We will retain this collected information from both completed and partially completed applications.

Online Banking and Investment Customers: In addition to the Site Visit Information discussed above, if you do bank online with us, you are required to create an online banking profile by supplying a username, a password, email address, and answers to a few security questions. Once you have created your online banking profile, and in addition to the Site Visit Information we discussed above, we also collect and retain certain personally identifiable information including:

  • your name, your postal address, your email address, your mobile number and other contact information
  • your account number(s) and certain transaction information
  • your date of birth and Social Security Number or Taxpayer Identification Number

Online Credit and Loan Applicants: In addition to the Site Visit Information discussed above, if you choose to apply for credit or a loan online, we collect your name, address, telephone number, Social Security Number, date of birth, income, debts, and email address, and your account history information, your employment history, and other credit qualification information. We retain this collected information from both completed and partially completed applications.

Credit and Debit Card Reward Customers: In addition to the Site Visit Information discussed above, if you are a credit or debit card customer, and you decide to register for online access to the Bank of the West Rewards Program (the Rewards Program) we collect:

  • your card number(s)
  • your name, postal address, and email address

Financial Tools: Our Sites offer tools for consumers to participate in rate-watch services and receive alerts when certain loan rates reach a desired level as well as tools to obtain approximate values for collateral provided by Bank approved valuation guides. This information may also help consumers obtain loan rate quotations. Visitors who use these tools may be required to provide name, postal and email addresses, telephone number, vehicle information, seller or dealer information and type of loan.

App Users: If you download and use our mobile or web-based applications (collectively Apps), in addition to the online banking customer information discussed above, we will also automatically collect and retain certain information about your mobile device or computer, such as your device’s unique identification number, its operating system, and information about how you are interacting with our Apps.

HOW WE USE AND DISCLOSE COLLECTED INFORMATION

Bank of the West collects information from you to provide our services, to improve our Sites and our Apps, and to provide banking and lending services to our online banking customers and applicants. We do not sell or lease the information we collect to non-affiliate third parties for marketing purposes, but we may share certain information with our affiliates and select non-affiliated third parties for other purposes. You should read this section carefully to learn more about what we do with the information you share with us:

Site Visit Information: When you visit our Sites or use our Apps we use anonymous information to help us remember you and your preferences. For more information on how we do this, please read the section on "Cookies and Beacons" below. We may also use cookies to identify and authenticate our customers using a randomly assigned code and not the user’s personal identifying information. Our Sites also collect location information with your permission, and we use that information to enhance the quality of our services by helping you find ATM and branch locations. Finally, we use and may share Site Visit Information for analytics and advertising purposes to improve our products and services as well as to allow us to provide advertising that is more relevant to the customer. For more information about this, please read the section of this notice on "Digital Advertising."

Online Account Applicant Information: If you apply for a deposit or investment account through our Sites, we may use the information you provide and share it with others to obtain background and credit information about you from third parties to the extent permitted by law or, if you share your email or physical address with us, we may use that information to contact you about the services for which you expressed an interest.

Online Banking Customer Information: We use the information our online banking customers share with us to offer our own, our affiliates’ or select third party products or services that may be of interest to those customers. We may also use our online banking customers’ contact information to respond to their inquiries or to provide information on products or services. We may share information about you with third parties, in accordance with our Consumer Privacy Policy. Such disclosure may be made, for example, if you have asked us to share information with the third party or we are required to disclose the information to complete a transaction on your behalf. Please see our Consumer Privacy Policy for more information.

Credit and Loan Applicant Information: If you apply for a loan or a credit card through our Sites we may use the information you provide and share it with others to obtain background and credit information about you from third parties to the extent permitted by law. By applying for a loan or credit card through our Site you agree that we may obtain this background and credit information. Bank of the West may use background and credit information for loan or credit card approval purposes and/or other business needs, as appropriate. The information may be also used to comply with other legal obligations.

Credit and Debit Card Rewards Program Information: If you participate in our Credit and Debit Card Rewards Program, we may use the information you provide to allow you to access your Rewards Program account, to improve our Rewards Program, and to provide information about our own, our affiliates’ or third party products and services that we think are of interest to Rewards Program participants.

Financial Tools User Information: If you use the collateral valuation tools or other rate-watch tools on our Sites, the information you provided to us may be used to respond to you with the information you requested, to grow our business and to offer our own, our affiliates’ or third party products or services that we think you may find of interest.

App User Information: If you use our Apps, we use the data collected to enhance the quality and efficiency of our mobile banking services.

Legal and Law Enforcement Requests: Bank of the West may also disclose, at its sole discretion, information about you collected from our Sites or our Apps as required or permitted by law, and to comply with any legally binding requests—like a subpoena, warrant, or similar legally enforceable request for information.

CHANGING YOUR INFORMATION

If you are an online banking customer or have applied for an account or a loan using our Site, you can correct or update your information by contacting our Customer Center. You may also be able to update select information by visiting the Services and Support page after logging into your online banking account. If you are a mobile banking customer, you will be able to view and modify the list of approved devices associated with your account.

POTENTIAL EMPLOYEES

If you are a prospective employee, you may be asked to share information with us if you apply for employment with Bank of the West using our Careers Site. In order to use this feature of the Site, you will be required to create a unique profile and supply a username and a password. In addition, to complete the application process you will be asked to provide information about your previous employment, education and qualifications as well as contact information.

If you have applied for a position with Bank of the West using our Careers Site, we may contact and obtain additional information about you from anyone whether or not identified in your application. You agree that we may obtain background information about you from third party service providers to the extent permitted by law. We may use the information for recruitment purposes, organizational reporting, and/or other business needs, as appropriate. The information may also be used to comply with legal obligations regarding hiring and diversity of workforce or as otherwise required by law. Access to the database is limited to individuals who have a business need which may include human resource or technical professionals among others. We may disclose your application information to third parties that assist us with the operation of this feature of the Site. You may correct your application information by accessing your candidate profile. Questions regarding this feature may be directed to MyCareer@bankofthewest.com.

The information you provide will be saved in a database hosted in the United States. If you are applying for a position at Bank of the West from another country, the laws governing the Careers Site’s collection and use of personal information may be different from the laws of your country. If you decide to use the Careers Site, you are agreeing to be governed by the state and federal laws of the United States, and you are expressly consenting to the transfer of your data to the United States.

DIGITAL ADVERTISING

In our efforts to deliver relevant digital advertising to you, we utilize cookies, pixel tags, and beacons to evaluate our Sites and our Apps to track digital advertising performance. To do this, we engage third party service providers to conduct these activities on our behalf. We call these third parties "Analytics Providers." Bank of the West may use behavioral information provided by our Analytics Providers and your activities on Bank of the West’s Sites and Apps to help us determine which of our ads are more likely to appeal to you. The digital advertising information collected by our Analytics Providers is anonymous. For more information on your choices regarding digital advertising, please visit http://www.youradchoices.com .

COOKIES AND BEACONS

A cookie is an electronic file our Sites place on your computer to store information that makes your visit to our Sites and your use of our Apps more efficient. Cookies let our Sites and Apps recognize if your computer or mobile device has visited our Sites or used our Apps before, and what security requirements and browser preferences your computer or mobile device requires. We only use cookies to provide better services and more effective Sites and Apps. Additional information about cookies and how they work is available at www.allaboutcookies.org.

"Beacons" are small graphic files with a unique identifier that are used to track a web or mobile site user’s online movements over time and across different websites. Unlike cookies, beacons are embedded on websites, not downloaded on your computer or device. Bank of the West uses beacons to better manage content on our Sites and to improve the use and efficiency of our Apps.

We allow selected Analytics Providers to place cookies and beacons through our Sites. We do this to get better insights into the use of the Sites, or to improve our understanding of our users’ demographics, or to provide relevant advertising to you as described above.

GEOLOCATION AND ONLINE TRACKING

When you visit our Sites, you may be asked if you would like to share your location with Bank of the West. You must opt-in to sharing your location before we will collect it, and the decision to do so is entirely yours. As we discussed above, we use this information to offer location-specific services, like the locations of our ATMs and our branches.

Our Apps do not automatically collect location information from your device. However, our Apps use, but do not store, certain location-based features of your mobile device to help you find our branches or our ATMs. If you do not wish to use these location features, you should review your mobile device’s settings and disable location services.

Our Sites and our Apps do not process or respond to "do not track" signals or other similar web browser mechanisms. When you visit our Sites, we collect information about the webpage you visited before visiting our Sites and the webpage you visit after you leave our Sites.

SITE SECURITY

Ensuring the security of your personal information is a priority for us. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. While we take these important steps to protect you and your money, there are also important steps you can take to protect yourself. For more information please visit our Security Center on bankofthewest.com.

Encryption: When you log in to any of the Bank's online services using our Sites or Apps, your login information is protected by Secure Sockets Layer (SSL) encryption, a security protocol that helps to ensure the data sent over the Internet between your computer and us remains confidential. If you are going to enter confidential information on a bank site, such as a password, check the status bar of your Web browser window for a lock symbol. You should also ensure that the link that you are opening begins with HTTPS. If you see the lock symbol or HTTPS, the web site you have entered is encrypted and secure.

Secure Passwords: If you bank online with us, we provide an additional layer of security for your information by the mandatory use of a username and password to access account information. It is important that your password is kept confidential. Your password should be unique and difficult to guess and ideally should have both lowercase and uppercase letters and also numbers and special characters.

VeriSign: To thwart "spoofing" (also known as page stealing) of our Sites, we have added an additional layer of security called VeriSign. The VeriSign seal allows you to verify the legitimacy of our Sites. Visitors to our Sites are able to click to a certification page that authenticates the Sites as being ours. Look for the VeriSign icon on our Sites.

OTHER WEBSITES

For your convenience, our Sites may contain links to other web sites, or may refer you to other web sites. Those other sites may be operated by other companies affiliated with us or by third party companies not affiliated with us. Once you leave our Sites and access another web site, you should be aware that you are subject to the privacy and security policies of that site.

CHILDREN'S ONLINE PRIVACY

Our Site is not intended for children under the age of 13. Please do not access or use this Site if you are under 13 years of age. By using this Site, you affirm that you are over the age of 13. For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC website: http://www.ftc.gov/.

CHANGES

We may add to, delete from, or otherwise amend and update this Online Privacy information from time to time without prior notice. The date of last update is provided at the beginning of this Online Privacy statement. Use of our Sites and Apps after an update indicates acceptance of the most current version.

QUESTIONS

If you have questions please visit our Customer Service page or call us at the main Contact Us number.