We collect information that identifies, relates to, references, describes, or is capable of being associated with, or could be reasonably linked, directly or indirectly, with a particular consumer or device (”personal information”). In particular, We have collected the following categories of information in the last 12 months:
For purposes of this section, personal information does not include publicly available information, de-identified or aggregate consumer information, or information excluded from the CCPA’s scope (such as (1) health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”) and the California Confidentiality of Medical Information Act (“CMIA”) or clinical trial data or (2) personal information covered by sector specific laws, including the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act(“GLBA”), the California Financial Information Privacy Act (“FIPA”), and the Driver’s Privacy Protection Act of 1994.
We obtain the personal information listed above from the following categories of sources:
Directly from You;
Automatically collected information;
Indirectly from employers, either employee listings, or employment verification related to the extension of credit;
Activity on Our website, such as from submissions through Our chat, message center, or online banking system;
Directly through recording of interactions with digital or live service agents; and
From third-parties that provide services for the transactions and products that We provide, such as loan servicing providers, collection agencies, credit reporting agencies, document providers, and other providers.
We may use and/or process the personal information We collect about You for one or more of Our legitimate business purposes. For example, We may use Your information:
We may share information about You, including personal information, with subsidiaries who are subject to this California Consumer Privacy Notice or follow practices at least as protective as those described here, or with Our third party service providers with whom We have entered into contracts that require personal information be kept confidential and prohibit the retention, use, or disclosure of personal information for any purpose other than the services specified. We do not share or disclose Your personal information for commercial purposes without Your separate consent, except as described below:
You and, where appropriate, Your family, Your associates, and Your representatives;
Third Party Service Providers;
Government, legal, regulatory, or other similar authorities and/or agencies, when requested or required;
Any relevant third parties if We purchase other businesses or their assets, sell Our business assets, or are involved in a bankruptcy, merger, acquisition, reorganization or sale of assets; and,
Other third parties, when We believe it is appropriate to comply with the law, it is necessary to protect Our interests, to prevent fraud or other illegal activity, and to protect the safety of any person; but, nothing in this California Consumer Privacy Notice is intended to limit any legal defenses or objections that You may have to a third party’s, including a government’s, request to disclose Your information; and
We may disclose de-identified, aggregated, non-personal data received from providing the Websites with certain trusted business partners, without restriction.
In the preceding twelve (12) months, We have not sold any personal information. We will not sell Your personal information.
The CCPA gives California residents specific rights about their personal information. These rights include:
To exercise Your rights above, please submit a verifiable consumer request to Us by either: (1) emailing Us at CustomerSupportDept@firstbankrichmond.com and providing Your full name and email address and the request that You are making (e.g., right to access, portability or deletion); or (2) mailing Your request to the address in the Contact Us section, below. You don’t need to create an account with Us to make a verifiable consumer request; but, if You do have an account with Us, We may require You to use it to make Your request.
Only You, or someone legally authorized to act for You, may make a verifiable consumer request about Your personal information. You (including Your authorized representative) may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to Your request or provide You with personal information if We cannot verify Your identity or authority to make the request.
We will let You know whether We received Your request within 10 days will try to respond to a verifiable consumer request within forty-five (45) days of its receipt. If We require more time, We will inform You of the reason and extension period. If You have an account with Us, We will deliver Our written response to that account. If You do not have an account with Us, We will deliver Our written response by mail or electronically. Any disclosures We provide will only cover the 12-month period preceding the request's receipt. The response We provide will also explain the reasons We cannot comply with a request, if applicable. For data portability requests, We will select a format to provide Your personal information that is readily useable and should allow You to transmit the information from one entity to another entity.
We do not charge a fee to process or respond to Your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If We determine that the request warrants a fee, We will tell You why We made that decision and provide You with a cost estimate before completing Your request.
We will not discriminate against You for exercising any of Your CCPA rights. Unless permitted by the CCPA, We will not: provide You a different level or quality of goods or services; suggest that You may receive a different price or rate for goods or services or a different level or quality of goods or services; deny You goods or services; or, charge You different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
We may offer certain financial incentives permitted by the CCPA that could result in different prices, rates, or quality levels. The incentive will reasonably relate to Your personal information's value to Us and contain written terms that describe the program's material aspects. Participation in a financial incentive program requires Your prior opt in consent, which You may revoke at any time.
By email: CustomerSupportDept@firstbankrichmond.com
By phone: (765) 962-2581
First Bank Richmond
P.O. Box 937
Richmond, IN 47375-0937