Effective July 1, 2004

At Plumas Bank, customer privacy is a priority.  We respect the trust you place in us and in return, are committed to protecting your personal information at all times.  The following information outlines our privacy statement and applies only to individual customers who obtain financial products or services primarily for personal, family or household purposes.

Information We Share

Plumas Bank collects, retains and uses individual customer information ONLY when we reasonably believe it would be useful, and allowed by law.  We disclose the nonpublic personal information we collect about our customers, as described below, to nonaffiliated third parties only as permitted by law.

We may disclose all of the information we collect, as described below, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Further, we may also disclose all of the information we collect if we have a good faith belief that disclosure is necessary to (1) comply with the law or with legal processes served on us; (2) protect and defend our rights or property; or (3) act in an emergency to protect someone’s safety.

As we develop our business, we may also buy and sell assets, and, depending on the transactions, your personally identifiable information may be one of the transferred assets.  In the event that we are acquired by another company, your personal information may be part of the assets transferred to the acquiring party.

Information We Collect

We collect non-public personal information about you from a number of sources, such as the following:

• Information you provide to us on applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from a consumer-reporting agency.

Protection of Information

To guard your non-public personal information from unauthorized access, we maintain rigorous physical, electronic and procedural safeguards that comply with federal standards.  Furthermore, when customer information is provided to a third party, we insist that the third party adhere to similar privacy principles for keeping such information confidential.

Should you decide to close your Plumas Bank account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice. 

We limit our employees’ access to nonpublic personal information about you except in those instances when there is a valid business reason for knowing such information.  We educate our employees so they understand the importance of customer privacy and confidentiality, and also take appropriate disciplinary measures to enforce employee privacy responsibilities when necessary.

Maintaining and Using Personally Identifiable Information in Electronic Banking and Communications

How we handle information about you when you visit our website will depend on what you do when visiting the site.  If you visit our website to read information and do not use any of our online services, then we collect and store only the name of the domain from which you access the Internet, the date and time you access our website and the Internet address of the website from which you linked directly to our website.  We may record the “IP address” assigned to you by your internet service provider as part of this process.  We use the information we collect to measure the number of visitors to the different sections of our site, and to help us make our website more useful to visitors.

When you visit our website, or use our electronic banking services, there may also be times when you are asked to provide information about you that is personally identifiable.  This may include any of the following:  your first and last name, your home or other physical address (including street name and name of a city or town), your e-mail address, a telephone number or social security number, or any other identifier that permits physical or online contact with you.  Personally identifiable information might be needed or requested from you for you to register for banking or other services, or to fill out our forms or applications for services (such as credit cards), for special promotions or contests, or to accomplish transactions you request (such as bill payment or other banking services. This may result in sharing of personally identifiable information with third parties (such as data processors or service bureaus) as part of servicing your accounts or transactions.

There is a technology called “cookies” that allow for a more tailored web-site experience.  A cookie is a data element that is sent to your browser and may be stored at your computer.  We may use cookies in this manner.  If you wish, you may modify your browser to disable cookies, including session cookies.

You may also decide to send us information that personally identifies you, for example, in an electronic mail (e-mail) message. We will use that information to respond to the inquiry and provide accurate information of any questions. We will not use such information beyond the basis for the inquiry. We will not obtain personal information about you when you visit our site, unless you choose to provide such information to us.

If you visit our website or engage in any online services that we offer, then we may collect and store these categories of personally identifiable information.  We will not share the personally identifiable information you provide us at our website or by e-mail, except as described above.

The personally identifiable information we obtain from you is stored with us if it is to be used on an on-going basis.  You may access and correct your personally identifiable information by contacting your local branch.

Changes to Our Online Privacy Notice

We may make changes to our online privacy notice at any time and from time to time.  When we do so, we will promptly post the revised online privacy notice on our website with a link on our home page.  The effective date of the policy is stated above, and represents the most current online privacy policy.   

Children’s Online Privacy Protection Act

We recognize that protecting children's identities and privacy online is important.  Our website is not directed to children.  We do not knowingly market to children nor do we knowingly solicit data from children.