LOS ANGELES NATIONAL BANK PRIVACY POLICY

 Rev. July 2012

FACTS

 WHAT DOES LOS ANGELES NATIONAL 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 Transaction history
  • Account balances and Overdraft history
  • Payment history and Checking account information

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 Los Angeles National Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Los Angeles National 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 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 nonaffiliates to market to you No We Don't Share
  Questions?    Call (714) 670-2400 or go to www.lanbusa.com

 

Who we are
Who is providing this notice? LOS ANGELES NATIONAL BANK
What we do
How does LOS ANGELES NATIONAL 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. Security measures include the use of cookies and limiting employee access to customer information to those who have a business reason to know.
How does LOS ANGELES NATIONAL BANK collect my personal information? We collect your personal information, for example, when you:
  •  Open an account or deposit money
  •  Pay your bills or apply for a loan
  •  Use your debit card or perform a transaction with us and others
We also collect your personal information from others, such as credit bureaus 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 information on your rights under state law.]
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  •  Los Angeles National Bank has no affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  •  Los Angeles National Bank does not share with nonaffiliated third parties so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  •  Los Angeles National Bank doesn’t jointly market.
Other Important Information
Special Notice for Residents of California:
If you reside in California, we will automatically:
  •  Not share your personal information with nonaffiliates, except as permitted by applicable law, and
  •  Not share information about you, and your transactions and experiences, with our Affiliates, except as permitted by applicable law.
From time to time, we may change the policies and procedures provided in this Privacy Statement, due to changes in the law, or changes in our operations, and we will notify you of these changes as required by law.

 

 

TERMS AND CONDITIONS

NOTICE

Please read these terms and conditions carefully.  By accessing this Site and any pages thereof, you agree to be bound by the terms and conditions below.  If you do not agree to the terms and conditions below, do not access this Site, or any pages thereof.

COPYRIGHT AND TRADEMARK INFORMATION

The trademarks, trade names, and service marks (the “Marks”) used on Los Angeles National Bank’s website, including but not limited to the Blue Globe and Gold Wave design, belong to Los Angeles National Bank unless otherwise indicated.  No one is authorized to use any of the Marks in any manner without the prior express written permission of Los Angeles National Bank.  The materials displayed on Los Angeles National Bank’s website are protected by U.S. and international copyright law and treaties, and shall not be transmitted, broadcast, copied, displayed, adapted, or performed without the prior express written permission of Los Angeles National Bank.

USE OF INFORMATION AND MATERIALS

None of the information on Los Angeles National Bank’s website may be used, distributed, or reproduced for personal or commercial purposes without prior express written permission of Los Angeles National Bank.  Unauthorized use of Los Angeles National Bank’s website and systems, including but not limited to, unauthorized entry into Los Angeles National Bank’s systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited.

LINKS

This site may contain links to websites controlled or offered by third parties (non-affiliates of Los Angeles National Bank).  Los Angeles National Bank hereby disclaims liability for, any information, materials, products or services posted or offered at any of the third party sites linked to this website.  By creating a link to a third party website, Los Angeles National Bank does not endorse or recommend any products or services offered or information contained at that website, nor is Los Angeles National Bank liable for any failure of products or services offered or advertised at those sites.  Such third party may have a privacy policy different from that of Los Angeles National Bank and the third party website may provide less security than the Los Angeles National Bank site.

GOVERNING LAW

Laws of the State of California and all applicable Federal laws of the United States of America shall govern use of this site.

LIMITATION OF LIABILITY

In no event will Los Angeles National Bank be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses (including attorneys’ fees) arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Los Angeles National Bank, or representatives thereof, are advised of the possibility of such damages, losses or expenses.

NO WARRANTY

The information and materials contained in this site, including text, graphics, links or other items are provided “as is” and “as available.”  Los Angeles National Bank does not warrant the accuracy, adequacy, suitability, reliability or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials.  No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

ADDITIONAL TERMS

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions.  In the event of a conflict, the additional terms and conditions will govern those sections or pages.

CHANGES

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change without notice.    Continued access of Los Angeles National Bank’s website shall be subject to the terms and conditions in effect at the time our website is accessed.

 

 

UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT (UIGEA)

Notice to All Commercial Customers

The Unlawful Internet Gambling Enforcement Act (UIGEA), signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling.

Regulation GG implements the Unlawful Internet Gambling Enforcement Act of 2006. The Act prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. Such transactions are termed “restricted transactions.” The Act generally defines “unlawful Internet gambling” as placing, receiving, or otherwise knowingly transmitting a bet or wager by any means that involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable federal or state law in the state or tribal lands in which the bet or wager is initiated, received, or otherwise made.

As a customer of LOS ANGELES NATIONAL BANK, these restricted transactions are prohibited from being processed through your account or banking relationship with our institution. If you do engage as an Internet gambling business and open a new account with us, we will ask you to provide evidence of your legal capacity to do so.

Los Angeles National Bank may terminate an account relationship if the customer engages in unlawful Internet gambling or other illegal activities.

Should you have any questions about this federal regulation, please contact us at (714) 670-2400.