Privacy Policy

Facts: What does California Bank & Trust ("CB&T") do with your personal information?

Effective Date: January 2015

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 assets
  • Income and account balances
  • Transaction history and credit history

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 CB&T chooses to share; and whether you can limit this sharing.

Reasons we can share your personal informationDoes CB&T 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
Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes
information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes
information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don't share

To limit our sharing
Call 1 (866) 299-3339 and speak with a CB&T Customer Service Representative. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?
Call 1 (866) 299-3339

What we do

How does CB&T 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. We also restrict access to non-public personal information about you to those employees who have a need to know such information.

How does CB&T collect my personal information?
We collect your personal information, for example, when you

  • Open an account or provide account information
  • Apply for a loan or make deposits or withdrawals from your account
  • Seek advice about your investments

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 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.

What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.

Definitions

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

  • Our affiliates include, but not limited to, Amegy Investments, Inc., Zions Trust, and Zions Direct, Inc.

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

  • CB&T does 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.

  • Our joint marketing partners include securities broker-dealers, insurance agents, and card issuers.

Other important information

Depending on where you live, you may have additional privacy protections under some state laws. We will comply with applicable state laws before sharing non-public personal information about you. We may do this by sending a separate notice of those rights to you.

California: We do not share personal information for consumer accounts with a California mailing address with nonaffiliates and affiliates for marketing purposes. We will limit all other sharing as applicable under California law.

Vermont residents: We will limit sharing as applicable under Vermont law.

Download a PDF of this statement