Privacy

GBC International Bank respects your desire for privacy and is committed to maintaining the confidentiality of your personal financial information.

This document outlines our privacy policy for visitors to our web site, regardless of the application used to establish the link, as well as for consumers who have a continuous relationship with us, such as deposit account, loan, or safe deposit box. For additional details about the type of information we may collect from our customers and our treatment of your personal information, please refer to our Policy Notice.

Visitors to Our Web Site. As a visitor to our web site, you remain anonymous, unless you register for a service or otherwise elect to disclose their identity to us, for example, logging into Online Banking. Although we do not collect personally identifying information about persons who simply visit our site, we may collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the Internet). We also may place "cookies" on a computer to track a visitor's use of our web site. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our site and make its navigation easier for you. We sometimes use cookies to help estimate the number of visitors to our site and to determine which areas are the most popular. Unless you register with us for a service (such as our online banking service), the cookie does not provide us with any personally identifying information about you, such as name or address.

Please note: If you would prefer, you can choose to not accept cookies. (Follow your browser’s instructions for disabling or deleting cookies). If you choose to turn cookies off, you may limit the ease with which you may be able to navigate web sites, or you may not be able to access all or part of the Site.

Web Browser “Do Not Track” Signals. We do not respond to Web browser “do not track” signals at this time because we do not allow third parties to collect personally identifiable information of visitors to our web site to track their online activities.

Our Collection of Information About You. We may collect nonpublic personal information about you in order to understand your needs, administer our business, process transactions, and provide you with products and services. We obtain nonpublic personal information about you from the following sources when you request or obtain services from us:

  • Information we receive from you on applications or other forms (such as your name, address, social security number, assets and income);
  • Information about your transactions with us or others (such as your account balance, payment history, parties to transactions, and credit usage); and
  • Information we receive from a consumer reporting agency (such as your creditworthiness and credit history).
  • Location
  • Contacts
  • Camera

Our Disclosure of That Information. We may disclose information about you, your accounts and transactions: (a) where it is necessary or helpful to effect, process or confirm your transactions; (b) to verify the existence, history and condition of your account for credit reporting agencies; (c) to comply with legal process, such as subpoenas and court orders; (d) to law enforcement authorities if we believe a crime has been committed; (e) if you give us your consent; and (f) as otherwise permitted by law.

We do not disclose nonpublic personal information about our current or former customers to others, except as set forth in our Policy Notice.

State Rights. Depending on where you live, you may have additional privacy protections under some state laws. For example, certain state laws may restrict the types of information we may disclose about you, limit the parties with whom we may share such information, or require us to provide you with additional notices or opt-out rights. We will comply with applicable state laws before sharing nonpublic personal information about you. We may do this by sending a separate notice of those rights to you.

Maintaining Accurate Information. We have procedures in place that help us to maintain the accuracy of the personally identifiable information that we collect. Please contact your branch or account representative, or call us at 1-626-288-8118, if you believe that our information about you is incomplete, out-of-date, or incorrect. You may also login to your account online to update your email address.

Information Security. We restrict access to nonpublic personal information about you to those employees who have a need to know such information (e.g., to process your transactions or provide services to you). We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Links to Other Web Sites. Our web site may feature links to third party web sites that offer services or information. When you click on one of these links, you will be leaving our site and will no longer be subject to this policy. We are not responsible for the information collection practices of the other web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

Minors. We feel strongly about protecting the privacy of children. As such, we do not knowingly collect personally identifiable information from children under the age of 13 through our web site.

Changes to This Policy. We may add to, delete, or change the terms of this Online Privacy Policy from time to time by sending you a notice or posting a notice of the change (or an amended Online Privacy Policy) at this web site. If required by law, we will send you a notice of the change. Your continued use of our web site or any online service following notification will constitute your agreement to any changes.



Questions. If you have any questions regarding this Online Privacy Policy, please Contact Us.

Rev 4/2023

FACTS

WHAT DOES GBC INTERNATIONAL BANK 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  
  • Location
  • Camera
  • Contacts

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

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons GBC International Bank chooses to share; and whether you can limit this sharing.

Reason we can share your personal information

Does GBC International Bank 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 report to credit bureaus

YES

NO

For our marketing purposes— to offer our products and services to you

NO

We don’t share

For joint marketing with other financial companies

NO

We don’t share

For our affiliates’ everyday business purposes— information about your transactions and experiences

NO

We don’t share

For our affiliates’ everyday business purposes— information about your creditworthiness

NO

We don’t share

For our affiliates to market to you

NO

We don’t share

For nonaffiliates to market to you

NO

We don’t share

  


 Who we are

Who is providing this notice?

GBC International Bank

What we do

How does GBC International 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 GBC International Bank collect my personal information?

We collect your personal information, for example, when you    

  • Open an account or apply for a loan
  • Pay your bills or use your debit card
  • Make deposits or withdrawals from your account

We also collect your personal information from others, such as credit bureaus and service providers.

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 nonaffiliates to market to you
  • State laws and individual companies may give you additional rights to limit sharing.   [See below for more on your rights under State law.]

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

·         We do not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

·         We do not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

·         We do not jointly market.

Other important information

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.  We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.