Central Valley Community Bank
Internet Privacy Statement
Welcome to Central Valley Community Bank's website. At Central Valley Community Bank we recognize how important privacy is to you. Whether you are a current customer or just visiting us online, we value your privacy expectations. A description of Central Valley Community Bank's Internet Privacy principles are as follows:
Recognition of a Customer's Expectation of Privacy Central Valley Community Bank recognizes and respects the privacy expectations of its customers. Central Valley Community Bank has established policies and procedures to prevent misuse of its customers' confidential and private information.
Use, Collection and Retention of Customer Information Central Valley Community Bank collects, retains and uses information about individual customers only where it is allowed by law and the institution reasonably believes it is useful in administering the institution's business, and in providing products, services and other opportunities to our customers. Central Valley Community Bank does NOT currently sell data divulging any specific information about an individual customer's accounts or transactions. Additionally, Central Valley Community Bank does not have any future plans to change its policy on selling data. In the event that the institution begins to sell customer data, the customer will be notified and presented with the opportunity to "opt out," whereupon that customer's personal data will not be sold.
Maintenance of Accurate Information Central Valley Community Bank has established procedures to ensure that its customers' financial information is accurate, current and complete in accordance with reasonable commercial standards. Central Valley Community Bank will respond in a timely manner to customer requests to correct inaccurate information.
Limiting Employee Access to Information Central Valley Community Bank limits access to its customers' confidential and private information to employees with legitimate business reasons for knowing such information. Central Valley Community Bank will educate its employees about the importance of confidentiality and customer privacy. Employees will be appropriately disciplined for any failure to comply with these "Privacy Principles."
Protection of Information via Established Security Procedures
Central Valley Community Bank maintains appropriate security procedures regarding unauthorized access to customer information.
Restrictions on the Disclosure of Account Information Central Valley Community Bank does not reveal specific information about its customers or their transactions to unaffiliated third parties for their independent use, unless the information is provided 1) to help complete a customer-initiated transaction, 2) to help administer the institution's bona fide business, 3) at the customer's request, 4) to comply with a legal requirement (i.e., subpoena), 5) to a reputable information reporting agency (i.e., credit bureau) or 6) after the customer has been informed about the possibility of such disclosure through a prior communication and is given the opportunity to decline (i.e., "opt out").
Maintaining Customer Privacy in Business Relationships with Third Parties
Whenever Central Valley Community Bank provides specifically identifiable customer information to a third party, Central Valley Community Bank insists that the third party adhere to similar "Privacy Principles" that provide for keeping such information confidential.
Disclosure of "Privacy Principles" to Customers Central Valley Community Bank will make these "Privacy Principles" available to our customers to give them a better understanding of our commitment to safeguarding confidential and private information.
Special Information Applicable to Electronic (Internet) Banking
Central Valley Community Bank's "Privacy Principles" will apply to customers' confidential and private information with regard to both traditional and non-traditional (i.e., Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, Central Valley Community Bank feels it is important for customers to be aware of the unique issues surrounding Internet Banking.
Consumer Privacy Policy Notice
Protecting your privacy is important to Central Valley Community Bank and our employees. We want you to understand what information we collect and how we collect it and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Central Valley Community Bank employees for collection, use, retention and security of nonpublic personal information.
Why We Collect Your Information: We gather information about you and your accounts so we can, (i) deliver products and services tailored for your needs, (ii) know who you are and thereby prevent unauthorized access to your information, (iii) design and improve the products we offer, (iv) from time to time provide you with information regarding special offers on products and services, and (v) comply with laws and regulations that govern us.
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; and
Information we receive from a consumer reporting agency.
"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history
What Information We Disclose: We are permitted under law to disclose nonpublic personal information about you to affiliates and "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 entities in response to subpoenas, and credit bureaus. We do not disclose any nonpublic information about you to anyone, except as permitted by law. In addition, we may disclose all information that we collect, (as described above "Information We Collect") to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements in order to provide our customers with additional products and services.
Closed or Inactive Accounts: 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.
Confidentiality and Security: We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Keeping up-to-date with Our Privacy Policy: Central Valley Community Bank will provide notice of our privacy policy annually, as long as you maintain an ongoing relationship with us. We may amend this privacy notice at any time, and we will inform you of changes as required by law. You can always review our current policy by stopping by one of our offices, or obtain a copy by calling 559-298-1775, or visit our Web site at: www.cvcb.com.
Limit Direct Marketing Solicitations: Central Valley Community Bank wants you to know there are two other ways to limit your mail and telephone solicitations from other parties; you can write or call to the following agencies:
Direct Marketing Association. The Direct Marketing Association (DMA) maintains two nationwide lists that its members must check before conducting telemarketing or direct mail solicitations. If you are on the appropriate list, DMA members must exclude you from their solicitations. To be placed on the DMA's lists, you must mail your name, address and Social Security number and telephone number to the list(s) below:
DMA Mail Preference Service
P.O. Box
643
Carmel, NY
10512
DMA Telephone Preference Service
P.O. Box
1559
Carmel, NY
10512
Credit Reporting Agencies. If you would like to stop credit reporting agencies from disclosing your information to companies who want to offer you credit or other products, you can call the following toll-free number and follow the instructions on the recorded message: 1-888-567-8688 or write to the Credit Reporting Agencies listed below. Be sure to include your full name, current address, social security number and telephone number.
Experian
Consumer Opt-Out
901 West Bond
Lincoln, NE 68521
Equifax, Inc.
Options
P.O. Box 740123
Atlanta, GA 30374-0123
Trans Union LLC's
Name Removal Option
P.O. Box
505
Woodlyn, PA
19094
Comments or Complaints by Customers Any comments or complaints about this policy, any privacy-related issue or any inaccuracy in customer data can be made by contacting:
Cyndi Carmichael, Vice President
Central Valley Community Bank
7100 Financial Drive
Suite 101
Fresno, Ca 93720
(559) 298-1775
eMail address: customerservice@cvcb.com
Central Valley Community Bank reserves the right to make changes to this policy and related procedures at anytime.
If you have questions about how information about you may be used in connection with this website, or if you have questions about Central Valley Community Bank's privacy policy, please visit our Contact Us page or visit us at any one of our convenient locations.
IMPORTANT SECURITY INFORMATION
What is phishing? Phishing is a new high-tech scam that uses spam e-mail or pop-up messages that appear to be from a legitimate source, and deceive you into disclosing your Social Security number, bank account information, credit card numbers, passwords, or other sensitive information. Phishing e-mails or pop-up messages are sent claiming to be from a business or organization that you associate with like your bank, Internet service provider, online payment service, or a government agency. Although they can be difficult to spot, the phishing e-mails usually ask you to click a link back to a fraudulent website to provide, update or confirm your personal information. What you need to know:
Don’t open e-mails if you do not know the sender.
Delete any suspicious e-mails as soon as you receive them.
If you receive an e-mail that looks legitimate, but asks for personal or financial information, do not reply or click on the link in the message. Legitimate companies do not ask for this information through e-mail.
Do not e-mail personal or financial information, because e-mail is not a secure method to transmit personal information.
Review bank account statements and credit card statements as soon as you receive them to determine if there are any unauthorized charges.
Use anti-virus software on your computer and keep it updated. E-mails could contain viruses that can harm your computer or monitor your activities on the Internet.
Click here for more anti-phishing resources and information.
To better serve legitimate Internet Banking customers: Central Valley Community Bank collects generic information about visitors to our website. This information includes the date and time of access, the Internet service provider's address, referring site information, the web browsers used, and the operating systems used. Again, this is generic information for our monitoring purposes, and cannot be traced to a specific user or machine.
Central Valley Community Bank requires customers to utilize specific passwords for access to confidential and private information. Central Valley Community Bank reminds customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted.
Central Valley Community Bank utilizes encryption, firewall, router, third party verification procedures and other security software and hardware to help prevent unauthorized eavesdropping of and access to customers' confidential and private information.
Central Valley Community Bank utilizes virus protection software to help prevent the spread of computer viruses.
Central Valley Community Bank utilizes "cookies" to help authenticate our customers' identities and to help facilitate the exchange of information between Central Valley Community Bank systems and our customers' systems.
Central Valley Community Bank reminds all of its customers that links in the institution's websites can be found to websites not under our control. These websites will not necessarily comply with Central Valley Community Bank's "Privacy Principles" and security standards.
Central Valley Community Bank reminds all of its customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. Central Valley Community Bank can only establish policies and procedures to help restrict use of and access to confidential and private information. If any Central Valley Community Bank customer believes that confidential and private information has been compromised, please contact Central Valley Community Bank immediately so that the potential breach can be investigated.
Central Valley Community Bank MyBank Online Banking Terms and Conditions
Welcome to Central Valley Community Bank’s MyBank Online Banking. Your use of MyBank Online Banking is subject to all terms and conditions contained in this online Agreement (the “Agreement”) as well as the Central Valley Community Bank Customer Agreement – Understanding Your Deposit Account (the “Customer Agreement”). Please read the Agreement carefully before proceeding. When you use MyBank Online Banking you agree to the terms and conditions of the entire Agreement.
I. General Terms and Conditions
1. Definitions: Throughout this Agreement, the words “you” and “your” refer to every person who is listed on our records as an owner of the Account who has enrolled in MyBank Online Banking. “We”, “us” and “our” mean Central Valley Community Bank. “Authorized Use” means you or any other person who either (i) is actually authorized by you to use MyBank Online Banking on your behalf; (ii) accesses My Bank Online Banking using your online password, whether or not such person has actual authority to do so. “Account” means your primary checking account or other account designated by you. “Business Day” means Monday through Friday, except for legal holidays. “Transaction” means any transaction requested using MyBank Online Banking, including requests for transfers between your accounts and Bill Payment requests. “Site” means our internet website.
2. Terms of Agreement: You agree to the rules in this Agreement every time your password is used to access MyBank Online Banking. Your use of MyBank Online Banking may also be affected by the agreements between us for your linked Central Valley Community Bank accounts. When you link an account to MyBank Online Banking you do not change the agreements you already have with us for that account, (for example – loans, money market accounts). You should review those agreements for limitations on the number of transactions you can make and for other restrictions that might impact your use of an account with MyBank Online Banking.
3. Electronic Funds Transfer Act: This Agreement applies to personal accounts and certain business accounts, unless an exception is noted. Personal accounts may be subject to the Electronic Funds Transfer Act (“EFTA”), some personal accounts will be governed both by the rules of the EFTA and this Agreement. If the EFTA applies to the account and there is a conflict between the rules of the EFTA and this Agreement, EFTA’s provisions will control. Please see the Electronic Fund Transfers section of the Customer Agreement for special rules applicable to personal accounts.
4. MyBank Online Banking Available Services: The following types of services are available any time, day or night, 7 days per week:
Access history on your accounts for a period up to 6 months and as recently as the previous business day;
Check account balances;
Transfer funds electronically between your linked accounts;
View images of paid checks
Initiate Stop Payments;
Initiate electronic bill payments through Bill Pay services;
Obtain information about Bank products and services.
5. Transfers: Transfers can be made in two ways, one-time and recurring. One-time transfers are used when transfers occur on an infrequent or irregular basis, or which vary in amount. One-time transfers can be scheduled as immediate or future dated. You may use the recurring transfer feature when you transfer a set amount at regular intervals, for example from your checking to your savings account. One-time and recurring transfers may be made from your linked Central Valley Community Bank personal or business checking, savings, Money Market accounts. Transfers from or to your linked loan accounts can be done as a One-Time transfer. Your ability to transfer funds between certain accounts is limited by federal law, as described in the Customer Agreement. For example, you can make no more than six (6) transfers from a savings or Money Market account during each statement period, and in the case of the Money Market account, no more than three (3) may be made by a draft, or similar order made by you and payable to a third party. Transfers and bill payments made using MyBank Online Banking are counted against the permissible number of transfers, as are the other transfer methods described in the Customer Agreement. The completion of a transfer is subject to the availability of sufficient funds at the time of final processing. If you do not have enough available funds, you may incur a non-sufficient funds (NSF) fee. Please refer to the applicable account agreement and fee schedule for details. Transfers you submit are immediately reflected in your balances for that account. Transfers entered before the cut-off time of 4:00pm (PT) on a bank business day are processed on that bank business day. Transfers entered after the cut-off time or on a non-bank business day are processed on the next bank business day.
6. MyBank Online Banking Bill Payment Processing: Payments can be scheduled from linked checking and money market accounts as a one-time payment or as recurring payments. Payments entered on our system before 4:00pm (PT) on a bank business day will be scheduled and processed on the same bank business day. Payments entered after the cut-off or on a non- bank business day will be scheduled and processed on the next bank business day. Scheduled recurring payments that fall on a weekend or a non-bank business day will be processed on the day you indicate when establishing your recurring payments. By utilizing this service you authorize us to make payments in the manner we select, which includes:
o Electronic transmission - most payments are made by electronic transmission.
Check – this is a check drawn on the account of our vendor and mailed using the US mail system.
The scheduled delivery date is the date you enter for the payment to be delivered to the payee. For payments made by electronic transmission the payment amount will be debited from your designated account on the processed date. You must schedule payments and your account must be in good standing at least three (3) business days before the payment due date. If payments are to be made utilizing the check method it is important you schedule payments timely to allow for mail time. We recommend 10–12 business days.
7. Stop Payments: We may accept a stop payment on any item from any one accessing your MyBank Online Banking account. You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop payment orders are handled by computers, to be effective, your stop payment order must precisely identify the number, date and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not, if you have an equal or greater right to withdraw from this account than the person who signed the item. Generally, your stop payment order is effective for six (6) months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. We are not obligated to notify you when a stop payment order expires. A release of the stop payment request may be made only by the person who initiated the stop payment order. Please refer to the applicable account agreement and fee schedule for details.
8. Changes in Service Charges and Terms: We reserve the right to change the terms described in this Agreement. When changes are made to any service charges, or other material terms we will update this Agreement and if required by law send a notice to you at the address shown on our records. For changes involving additional service charges for online transactions, limits on the type, amount or frequency of transactions, or any increase in your responsibility for unauthorized transactions, such notice will be posted or sent at least thirty (30) days in advance of the effective date of any change, unless immediate change is necessary to maintain the security of the system. If such an immediate change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change, as required by law. You may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse service charges in individual situations. Changes to service charges applicable to specific accounts are governed by applicable account disclosures. We also reserve the right to terminate this Site, make access unavailable, and change the Site content, with or without reasonable notice at any time.
9. Privacy Policy: Disclosures of Information to Third Parties: We understand you are concerned about privacy, and your need to safeguard your information and records from unauthorized use and disclosure. Please see our Privacy Policy for information about how we treat information you provide us through our Site.
10. Information Accuracy: We strive to provide complete, accurate and timely account information through MyBank Online Banking. All information is either generated by us or obtained from sources believed by us to be accurate and reliable as of the date posted to the Site. However, because of the possibility of human and mechanical error, delayed updates, as well as other factors such as the difficulty of securing a web site from unauthorized alterations or the occurrence of a system breakdown or other unavailability, neither we nor any of our affiliates provide any representations or warranties regarding the Site or any information in it, and we will not be liable to you if any such information is unavailable, delayed or inaccurate. THE SITE AND ALL INFORMATION IS PROVIDED “AS IS” AND WITH ALL FAULTS, AND WE MAKE NO REPRESENTATIONS AND DISCLAIM ALL IMPLIED WARRANTIES OF EVERY KIND, INCLUDING WARRANTIES OR ANY DUTIES (IF ANY) AS TO ACCURACY, TIMELINESS, AND COMPLETENESS SUITABILITY, AVAILABILITY, MERCHANTABILITY, AND FITNESS FOR ANY PARTICULAR PURPOSE, OR LACK OF NEGILIGENCE OR VIRUSES. We do not provide any warranty against infringement or of quiet enjoyment, and make no other express warranties. With respect to electronic funds transfer problems, such as unauthorized transfers or our failure to properly complete authorized transfers, the extent of our liability is described in this Agreement and in the Electronic Funds Transfer section of the Customer Agreement.
11. Computer Virus Information: It is possible to contract a computer virus by using the Internet or materials downloaded from it. We attempt to keep our Site virus free, but we cannot assure you that the Site and any software or other information downloaded will be virus free. We are not responsible for any electronic virus related problems that may be associated with the use of MyBank Online Banking.
12. Your Computer and Software: You are responsible for the installation, maintenance and operation of your computer and your browser software. You assume all risk of error, failure, or non-performance, including the risk that you do not operate your computer or your software properly. We are not responsible for any errors or failures from any malfunction of your computer or your software. We have no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of your computer or your software. WE MAKE NO WARRANTY TO YOU REGARDING YOUR COMPUTER OR YOUR SOFTWARE, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
13. E-Mail: E-mail transmissions are not secure. We recommend that you do not send us or ask for sensitive information via any general or public e-mail system. You must not use MyBank Online Banking e-mail function for communication that is time sensitive, such as stop payments, making fund transfers, reporting lost or stolen debit or credit cards or checks, or reporting an error on your account. If you send us a message using e-mail, we will receive it by the following business day. You agree we may take a reasonable period of time to act on any message. You agree that the Bank may respond to you by e-mail with regard to any non-confidential matter related to MyBank Online Banking services. Any message we send you shall be considered received within three (3) days of the date sent, regardless of whether you check your e-mail messages within that time frame.
14. Account Statements and Error Resolutions: All transactions completed on MyBank Online Banking will appear on your periodic account statement. Please refer to the Customer Agreement provided to you at the time your account was established for rules applicable to account statements. The most current version of this brochure is available at any of our branch locations. If you think your statement is incorrect or if you need more information regarding a transaction, please see the Error Resolution Notice in the Customer Agreement.
15. Service Interruptions: MyBank Online Banking may be unavailable at certain times when computer systems require maintenance or upgrades, unforeseen maintenance is necessary, or major events occur, such as earthquakes, fires, floods, computer failures, interruptions in telephone service, or electrical outages. We will make all reasonable efforts to ensure the availability of MyBank Online Banking. However, we are in no way liable for the unavailability of all or any portion of MyBank Online Banking.
16. Termination of MyBank Online Banking: We reserve the right to terminate your use of MyBank Online Banking at any time and for any reason. If you should wish to cancel MyBank Online Banking, you must cancel all future bill payments and transfers using MyBank Online Banking at the time that you cancel your enrollment. We will not be liable for any payments or transfers made consistent with a request that you have not cancelled. If you do not access your accounts via MyBank Online Banking for any six (6) month period, the Bank reserves the right to disconnect your service without notice.
II. Security Procedures:
1. Your Role: Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you think your statement is wrong or if you need additional information about a transaction, please see the Error Resolution Notice in the Customer Agreement. You are responsible for keeping your password and ID confidential. Use of your password will be considered the same as your written signature in authorizing us to complete any transaction you may request. We are acting on any instructions we receive under your password, and you assume all risk resulting from any such access. In addition to protecting your MyBank Online Banking ID, password and other account information, you should take precautions to protect personal identification, such as your driver’s license, Social Security Number and the like. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to zprotect personal information with the same level of care that you protect your account information. We will exercise good faith and reasonable care in processing your transactions. You will similarly exercise good faith and reasonable care in observing and maintaining security procedures, in communicating with us and in reviewing your account statements for any errors or discrepancies. For further information, please see our Security Statement.
2. Your Password: You will be assigned a MyBank Online Banking log in identification and an initial password. You will be required to change this password the first time you sign on. Your password should be 5 – 10 characters long, and contain both upper and lower case characters, numbers and/or special characters. We encourage you to modify your password on a regular basis and recommend that you do not use your telephone number, birthdate or any easily guesses password. You are authorizing CVCB to act on instructions received under your MyBank Online Banking ID and password. You are responsible for keeping your accounts number(s) and other account data confidential at all times.
III. Limitation of Liability:
1. Limitation of Liability for Loss: To the fullest extent allowed by law, you agree neither we nor any of our affiliates will be liable to you or any third party for any loss, property damage, bodily injury, any consequential or incidental damages (including limited to lost profits or lost opportunity), or any other indirect, special, or punitive damages whatsoever, (i) that arise out of or are related to the Site or any use of the Site or the information contained within it, (ii) resulting from any failure to complete any transactions, or (iii) resulting from the installation, use or maintenance of any equipment, software, Internet browser or access software, even if we have been advised of the possibility of such damages. This inclusion of damages includes damages claimed in any cause of action, including but not limited to legal or equitable proceedings and claims relating to contract, tort or products liability.
2. Exclusive Remedy: You agree that your recovery for any damages that you incur shall be limited, at our election, to: (i) a refund of any amount (if any) you paid for information from the Site, or (ii) correction or replacement of the information. Any failure or unconscionability of that or any other remedy does not affect the enforceability of the limitations on and exclusions of consequential, incidental and other damages described in the preceding paragraph.
3. Specific Situations: Notwithstanding, and without limitation, we will have no liability whatsoever if:
o Through no fault of ours, you do not have enough money in your account to make a transfer or Bill Payment;
A transfer or Bill Payment would cause your balance to go over the credit limit on your credit lines;
MyBank Online Banking was not accessible or otherwise not working properly and the breakdown should have been apparent to you when you attempted to request a transaction;
Circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party, including the post office) prevent a transfer or payment, despite reasonable precautions we have taken;
The funds are subject to legal process or other encumbrance restricting transfer;
The account is closed or frozen to transactions;
You, or anyone you allow, commits any fraud or violates any law or regulation;
Any electronic terminal, telecommunication device or any part of the electronic funds transfer system is not working properly;
You have not properly followed our instructions and the Payee’s instruction on how to make a transaction or if you provide us with wrong, incomplete or inaccurate information either electronically, orally or in any written materials completed by you in connection with MyBank Online Banking.
The payment date you requested does not allow sufficient time for the payee to credit your account properly, or if you requested a payment of less than the full amount due to the payee; or
We have completed any transaction requested by an authorized user.
There may be other exceptions contained in other agreements with us that govern your account.
4. Your Liability: Except as otherwise provided by law, you will be liable for any loss or damage resulting from your breach of this Agreement or to which your negligence contributed, or which resulted from unauthorized, fraudulent, or dishonest acts by others (others than us). Such liability includes instances when someone effects one or more transactions to your detriment. You are liable for all payments that you make or which are made or requested by an Authorized User, even if such Authorized User exceeds your authority and even if such Authorized User is not an authorized signer on your account.
IV. Other Terms and Conditions
1. Waivers and Severability: We may delay exercising our rights without losing them. Any waiver or partial exercise of one right is not a waiver of other rights or the same right at another time. If any provision of this Agreement, or its application to any person or set of circumstances is held invalid or unenforceable to any extent, the remainder of this Agreement, and the application to any other persons or set of circumstances is not impaired or otherwise affected.
2. Governing Law, Forum, and Limitation of Actions, Severability: This Agreement is governed by the laws of the State of California. You agree that a printed or electronic version of these terms and conditions (as changed from time to time) will be admissible in any judicial or administrative proceedings to the same extent as paper records. If you ever believe we have not adhered to this contract or are liable for any reason, please contact us immediately. If you feel compelled to bring a lawsuit or proceeding, you must do so within one (1) year of the date you have a right to sue. Any clause of this Agreement declared invalid shall be deemed severable and not affect the validity or enforceability of the remainder.
3. Our Right to Terminate this Agreement: We reserve the right to terminate this Agreement and your access to MyBank Online Banking, in whole or in part at any time for any lawful reason.
4. Assignment: You may not assign this Agreement or any portion hereof. We may assign this Agreement to our parent corporation or to any now-existing or future direct or indirect subsidiary of us or our parent corporation. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other parties.
5. How to Contact Us: For all matters affecting this Agreement, you may call us at 559-298-1775 or toll free at 1-800-298-1775, or you may write to us at Central Valley Community Bank, Branch Support, P. O. Box 3030, Clovis CA 93613-3030.
