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Privacy Policy
 
OHANA PACIFIC BANK
PRIVACY POLICY FOR CONSUMERS
 
In this Privacy Policy for Consumers (this “Privacy Policy”), the words “we”, “us” and “our” mean Ohana Pacific Bank and the words “you” and “your” mean consumers with whom we have a continuing customer relationship.

At Ohana Pacific Bank (“Bank”), protecting the privacy and confidentiality of your Personal Information is important to us. We value your business and the trust you have put in us to provide a safe and secure environment for personally identifiable information about you and your finances, which we will call in this Privacy Policy your “Personal Information.” It is our policy that all Personal Information about you will be held in strictest confidence. We do not sell your Personal Information or Personal Information about our former customers. We do not share your Personal Information or Personal Information about our former customers with non-affiliated third parties (“Third Parties”), except as described in this Privacy Policy. In addition, we may share your Personal Information with companies that work for us, including companies which assist us with marketing our products and service, and other financial institutions when we jointly offer financial products and services, and to other third-parties as permitted by law.

INFORMATION WE COLLECT

We collect, maintain, and use information about you on a routine basis in order to offer you the financial services and products you seek to obtain and to provide superior customer service. We use all of your Personal Information we collect for specific business purposes such as processing your application for a loan or deposit account, administering and servicing your loan or deposit account, complying with state/federal laws and regulations, protecting against fraud, and developing a better understanding of your financial needs to provide you with improved products and services. Personal Information we collect falls within the following categories:
  1. Personal Information you provide on an application, on other forms, such as your name, address, Social Security number, employment, income and other financial information;
  2. Personal Information gathered from your transactions and experiences with us such as the status and history of your credit accounts;
  3. Personal Information about your transactions with other parties;
  4. Personal Information from a consumer reporting agency;
  5. Personal Information obtained from outside sources when we verify information provided by you.
SHARING PERSONAL INFORMATION WITH THIRD PARTIES

We may disclose the Personal Information described above to:
  1. Our service provider and credit report agencies in connection with the opening, maintaining and servicing of your deposit accounts and/or loans;
  2. Companies conducting marketing services on our behalf;
  3. Other financial institutions, with whom we have joint marketing agreements;
  4. Other third parties as permitted by law;
  5. Government entities, in response to subpoenas, summons or investigations or to comply with laws and regulations
  6. When you direct us to do so or with your consent;
  7. Protect against fraud, or to collect unpaid debts.
We may share your Personal Information with those third parties to assist us in servicing your accounts, to provide us with marketing services, and to jointly offer financial products and services, and they are contractually obligated to keep your Personal Information provided to them confidential, and to use the information only to provide the service we have asked them to perform.

YOUR CREDIT INFORMATION We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. You may periodically check with one or more of the major credit bureaus to see that information reported is accurate.

Equifax, Inc (800) 997-2493 www.equifax.com
TransUnion Corporation (800) 916-8800 www.transunion.com
Experian (888) 397-3742 www.experian.com If you believe that we have incorrect information or have reported inaccurate information to a credit bureau, please write to us at Ohana Pacific Bank, 1357 Kapiolani Blvd, Ste 102, Honolulu, Hawaii, 96814.

YOUR MEDICAL INFORMATION You may sometimes provide medical information to us for a specific financial purpose (for example, medical debts). We will use that information only for the intended purpose. We will not use personally identifiable medical information in determining credit eligibility or continued eligibility for credit, except as permitted by law or when you consent. We do not use medical information about you for marketing purposes.

PERSONAL INFORMATION SECURITY

We restrict access to your Personal Information to those employees who need to know the Personal Information to provide our products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to protect your Personal Information.

ONLINE PRIVACY GUIDELINES

The Bank’s website is open to the public. When a person visits our website the Bank collects basic information, such as counting the number of persons visiting the website and what pages were visited. The Bank uses this general information to determine which parts of the website are most popular, how people access the site, how we may improve the content of the pages and how our service to our customers can be improved.

E-MAIL

Email is not a secure environment. Email addresses for key personnel and the general email address of the bank appear on the site. When sending an email to us, do not provide sensitive or confidential information (for example, your account number).

PROTECTING OUR CHILDREN

We do not knowingly solicit information from children and do not knowingly market to children. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry as well as with parents.

RIGHTS TO AMEND

We reserve the right to amend our Privacy Policies from time to time. We will provide you with any change, when required.
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