Date of most recent update: 02/02/2016

Online and Mobile Privacy Policy

The Online and Mobile Privacy Policy (Policy) explains our practices with regard to the “Personal Identifiable Information” collected from visitors to our website and mobile applications (collectively known as ‘Site’). Personal Identifiable Information is any information that can be used to identify, locate, or contact you.

Types of Personal Identifiable Information Collected

Information that we may collect about you through online interaction includes information that you input, such as your first name, last name, address, zip code, and email address. Also, your login information (User ID and Password) used to authenticate you when you log in to the Opus Bank's Online Banking or Mobile Banking on our homepage or directly through a login page is collected. This information is protected by SSL (Secure Sockets Layer) encryption, a security protocol that helps to ensure the data sent over the Internet between your computer and Opus Bank (the “Bank”) remains confidential. Further, we may also collect additional information such as the type of device and browser you are using, the IP address of your device, information about your device’s operating system, and additional information associated with your device. We may also gather information collected through cookies, tags, and other technologies.

How Opus Bank collects Personal Identifiable Information

In many cases, we collect Personal Identifiable Information directly from you. We will ask you for your information when you interact with us, such as signing up to receive subscriptions to various banking topics that interest you.

If you interact with us online, we use cookies and other technology tools to collect information about your computer and your use of our Site. We treat this information as Personal Identifiable Information when it is associated with your Contact Information. For more information about cookies and other technologies, please see the section About Cookies below.

About Cookies

A cookie is a piece of data sent from a Site that is stored in your browser. The cookie lets the Site or mobile app recognize if the computer or mobile device has been there before and what security requirements and browser preferences the computer or mobile device requires. Cookies are commonly used on Websites and do not harm your system. To provide better service and a more effective Site and mobile app, we use “cookies” as part of our interaction with your browser.

We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.

  • “Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services.
  • Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.
  • Local Shared Objects, sometimes referred to as “flash cookies” may be stored on your hard drive using a media player or other software installed on your device. Local Shared Objects are similar to cookies in terms of their operation, but may not be managed in your browser in the same way.

As A Visitor to Opus Bank Site

If you do not bank online with us, we do not collect, capture, or retain Personal Identifiable Information when you are just browsing our online products and services. As a visitor to our Site, the web server automatically recognizes only:

  • Network or device related information such as your internet provider. We do not track Personal Identifiable Information such as your e-mail address.
  • Aggregate information on which pages you visit, but no specific information on pages visited by an individual. The aggregate information we collect (for instance, how many page views on a particular web page) is used for internal review to improve the content of our Site and is then discarded.

Third Party Sharing

Opus Bank does not make any Personal Identifiable Information collected available to, nor does it share information with third parties.

Digital Advertising

In our efforts to deliver relevant digital advertising to you, we utilize cookies and related technology to evaluate our Sites and to track digital advertising performance. We may engage third party ad service providers to conduct these activities on our behalf. We may use the behavioral information from the third party ad service providers, such as web pages visited and key words searched, to help us determine which of our ads may appeal to the user of the computer or mobile device. Any information collected about behavior and ad performance is anonymous. By using our Sites, you acknowledge and agree that anonymous information may be collected.

Children’s Privacy

This Site is not directed to or intended for individuals under 13 years of age. We feel strongly about protecting the privacy of children. As such, we do not knowingly collect or solicit personally identifiable information from children under the age of 13 through our site without parental consent. For additional information regarding the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website (https://www.fcc.gov/guides/childrens-internet-protection-act).

Social Media

Opus Bank provides experiences on social media platforms that enable online sharing and collaboration among users who have registered to use them. Any content you post, such as pictures, information, opinions, or any Personal Information that you make available, is subject to the website’s privacy and security practices, which may differ from ours. Please refer to the social media site’s privacy and security policies to better understand your rights and obligations with regard to such content.

Changes

If you would like to review the personal information the Bank collects about you, or you would like to correct any errors in that information, or you would like to inform the Bank about the potential misuse of your personal information, or you want to opt-out of having the Bank collect personal information about you, or you have questions about your personal information you may do so by contacting the Bank in writing, by telephone, or by e-mail as described below.

Address to:
Opus Bank
P.O. Box 6630 
Redondo Beach, CA 90277

E-mail address:
This email address is being protected from spambots. You need JavaScript enabled to view it.

Telephone:
(855) 678-7226

Concerns

If you feel the Bank has not met its obligations in the protection or use of your Personal Identifiable Information, you may contact one of the following government agencies for specific regulations:

State of California
California Department of Business Oversight
1515 K Street, Suite 200
Sacramento, CA 95814-4052
(866) 275-2677 or (916) 445-7205

FDIC Consumer Response Center
1100 Walnut St., Box 11
Kansas City, MO 64106
(877) 275-3342

Policy Updates and Effective Date

If we make updates to this Policy, we will update the Policy with the changes and revise the “date of most recent update” posted at the top of this Policy. Any updates to the Policy become effective when we post the updates on the Site. Your use of the Site following the update to the Policy means that you accept the updated Policy.