Online Privacy Policy | Pacific Premier Bank

Last Updated: September 1, 2024

This Online Privacy Policy (“Privacy Policy”) describes how Pacific Premier Bank, Commerce Escrow, and Pacific Premier Trust (“the Company,” “us,” “our,” or “we”) collects, uses, discloses, and otherwise processes Personal Information obtained through our websites, www.ppbi.com, www.pacificpremiertrust.com, www.comescrow.com, and investors.ppbi.com (collectively, the “Sites”).

For purposes of this Privacy Policy, “Personal Information” means information that identifies, relates to, or could reasonably be linked with an individual. Personal Information does not include publicly available, deidentified, or aggregated information.

Site visitors may access this Privacy Policy in an alternative format by contacting [email protected].

If you are a customer of the Company for personal, family, or household purposes (or apply for a Company product or service for such purposes), please see our Financial Privacy Notice here: www.ppbi.com/lp/financial-privacy-notice.html. California consumers can also find our California Privacy Notice here: www.ppbi.com/lp/california-privacy-notice.html.

We may add to, delete, or change the terms of this Privacy Policy from time to time. Any changes to this Privacy Policy will be effective as of the Last Updated date at the top of this page, unless otherwise expressly indicated.

Categories of Personal Information We Collect

We obtain the following categories of Personal Information about Site visitors directly from you, automatically when you use our Sites, and from other vendors and third parties when relevant to the service we provide you. Note that the Personal Information we collect about you may vary depending on the nature of your interactions with us and may not include all of the examples listed below.

Contact information and other personal identifiers, such as name; postal address; unique personal identifier; online identifier; IP Address; email address; and social security number or government-issued identification number (e.g., driver’s license, state identification card, or passport number).
Characteristics of protected classifications, such as date of birth, gender, or marital status.
Account and financial information, such as your account number; transaction history; assets; card number (e.g., debit or credit card number); username, password, and other credentials; income; investment preferences; and information about your financial standing such as credit score and credit history.
Internet or other electronic network activity information, such as internet or other similar activity; browsing history; search history; and information on your interaction with a website, device data, or social media account information.
Geolocation data, such as IP Address or general device location.
Professional or employment information, such as your title and affiliated company.
Content of communications, such as when you interact with us using a Site contact form.

We may combine your Personal Information with data we obtain from our Sites, our services, other users, and other parties. Your Personal Information may be converted into deidentified, anonymized, or aggregated data, as permitted by law.

Use of Personal Information

We may use or otherwise process the Personal Information described above for the following purposes:

Business operations, such as providing services for ourselves, our customers or others, including maintaining and servicing accounts; managing applications and registrations; providing customer service; processing or fulfilling orders and transactions; verifying customer information; processing payments; improving our services; and responding to your requests; managing our relationships with our customers, partners, service providers, and vendors; and fulfilling purposes that we describe to you at the time we collect your Personal Information.
Site operations and improvement, such as maintaining, operating, optimizing, and providing access to our Sites; identifying Site visitors; monitoring and analyzing Site usage and trends; evaluating how our Sites perform; repairing or improving the quality of our Sites; tracking and responding to quality and security issues; debugging our Sites to identify and repair errors that impair existing or intended functionality; developing new or enhanced products and service offerings; and ensuring our Sites operate effectively.
Communications, such as responding to your questions or feedback; confirming your preferences; providing you information about our services; contacting you regarding products, services, and transactions; and understanding how you interact with our correspondence.
Advertising and marketing, such as sending marketing and promotional materials relating to our products, offerings, and promotions; serving advertisements; measuring the use of our services and effectiveness of our advertising and marketing; and developing insights to improve our Sites and provide our users with enhanced features and functionalities.
Security and integrity, such as protecting our Sites from cyber risks; authenticating Site users; enforcing our policies and terms; protecting our rights; fulfilling our legal obligations; preventing, identifying, investigating, and responding to fraud, illegal or malicious activities, and other activity that violates or may violate applicable laws, regulations, legal process, or our policies; and generally safeguarding our Sites.
Legal and compliance, such as managing risks, investigations, reporting, and other compliance activities; responding to court orders or other government and law enforcement mandates or requests; identifying or managing legal actions related to our or others’ rights or property; supporting actual or threatened claims, defenses, or declarations in a case or before any jurisdictional and/or administrative authority, arbitration, or mediation panel; and enforcing compliance with applicable laws, regulations, or legal processes as well as industry standards and our policies.
Corporate restructuring, such as evaluating or executing a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, as part of regular business operations or pursuant to a bankruptcy, liquidation, or similar proceeding.

Disclosure of Personal Information

The Company discloses the Personal Information obtained about Site visitors to:

Vendors, service providers, and contractors that help us to administer our Sites, support Site activities, manage customer accounts, deliver services and communications, administer loans and other financial products, provide technical support, process payments, and otherwise help us operate our business. We may disclose your Personal Information to providers of cookies and other tracking technologies, as described in the “Cookies and Other Tracking Technologies” section.
Business partners that are not owned by or affiliated with us to provide additional Site features and products. Separate privacy policies apply to these partners’ uses of your Personal Information.
Law enforcement agencies, courts, regulatory agencies, other government entities, professional advisors, affected parties, and other external parties in response to subpoenas, warrants, or court orders; for law enforcement or public safety purposes; in connection with any legal process; to investigate, prevent, or take action regarding possible illegal activities, fraud, safety of person or property, or a violation of our policies; to comply with laws, regulations, or other legal obligations; to protect and defend our rights and property or the rights and property of other parties; or to enforce our Terms of Use, this Privacy Policy, or agreements with third parties.
Parties to corporate transactions, such as prospective or actual purchasers, investors, or successor entities, in connection with a contemplated or an actual reorganization of our business, or in connection with financing, a sale, or other transaction involving the disposal of all or part of our business or assets. This may include processing for the purpose of permitting the due diligence required to determine whether to proceed with a transaction.

We may disclose your Personal Information to additional parties where we have provided a separate notice to you and/or asked for your consent, as applicable.

Cookies and Other Online Tracking Technologies

We and our vendors use cookies and other online tracking technologies (collectively “Cookies”) to:

Collect and analyze information about your interactions with our Sites, such as by collecting information about which pages on our Sites you viewed or links you clicked and how you interacted with our content during your visit or over multiple visits;
Store information to improve our Sites functionality;
Help you access and navigate our Sites more efficiently;
Recognize your login information and preferences, so that you do not need to enter the information each time you visit our Sites;
Customize your browsing experience, such as by showing you information more likely to be relevant to you; and
Deliver and customize advertisements and track campaign efficacy.

We and our vendors may collect Personal Information about your online activities over time and across different devices and websites when you visit our Sites, and link information collected by Cookies to other information collected about you.

We may engage web analytics service providers, such as Google Analytics, to help us understand and analyze how visitors interact with our Sites. We use such data to administer and improve the quality of our Sites and serve ads on our behalf across the internet. We may also implement Google Analytics Advertising Features such as interest-based advertising, impression reporting, and audience targeting. We may use first-party Cookies as well as third-party Cookies to deliver advertisements, measure your interests, and/or personalize content. For more information on how Google Analytics and other Google products use data, visit policies.google.com/technologies/partner-sites. To opt out of Google Analytics Cookies, visit tools.google.com/dlpage/gaoptout. To adjust your Google advertising settings, visit adssettings.google.com.

Your web browser may have settings that allow you to transmit a “Do Not Track” signal when you visit various websites or use online services. Like many websites, our Sites are not designed to respond to “Do Not Track” signals received from browsers. To learn more about “Do Not Track” signals, visit allaboutdnt.com.

You may set your browser to notify you of or decline the receipt of Cookies; however, certain features of our Sites may not function properly or be available if your browser is configured to disable Cookies.

Some vendors may participate in the Digital Advertising Alliance (“DAA”) and its AdChoices opt-out program or the Network Advertising Initiative (“NAI”). For more information about opting out or to use the DAA opt-out tool visit youradchoices.com/ (for web browsers) or aboutads.info/appchoices (for mobile apps). For more information about opting out or to use the NAI opt-out tool, visit networkadvertising.org/choices/ (for web browsers) or networkadvertising.org/mobile-choice/ for (mobile apps).

We are not responsible for the effectiveness or accuracy of other parties’ notices or opt-out mechanisms.

Email Marketing

We may use your Personal Information to contact you with newsletters, marketing or promotional materials, and other information that may be of interest to you. You may opt out of receiving these types of communications from us by following the unsubscribe link or instructions provided in any email we send.

Social Features and Third-Party Integrations

Certain functionalities on our Sites permit interactions that you initiate between our Sites and external services, such as social networks (“Social Features”). For example, Social Features enable you to “like” or “share” our content and pull or push information to or from our Sites. If you use Social Features, information you post or provide access to may be publicly displayed by the third-party service you use. Additionally, both the Company and the third party may have access to certain information about you and your use of our Sites and the third-party service.

We may offer third-party integrations on our Sites. If you choose to connect a third-party account to our system, you should refer to that party’s privacy policy for information on how your Personal Information is processed and safeguarded.

We have implemented Google reCAPTCHA to protect our websites from fraud and abuse. Your use of reCAPTCHA is subject to Google's Privacy Policy, available at policies.google.com/privacy, and Terms of Use, available at policies.google.com/terms.

Links to Other Websites

Our Sites may contain links to other websites or online services that offer goods, services, or information. Some of these websites may appear as windows-within-windows on our Sites. When you click on one of these links, you will be leaving our Site and will no longer be subject to this Privacy Policy. We are not responsible or liable for the information collection practices of the other websites that you visit and urge you to review their privacy policies and other terms to learn more about their data practices. Such websites may collect and use information about you in a way that is different from this Privacy Policy. The inclusion of a link to another website or online service does not imply our endorsement.

Safeguards

We implement reasonable technical, organizational, and administrative measures to safeguard Personal Information against unauthorized or unlawful processing and against accidental loss, destruction, or damage. However, because transmission via the internet is not completely secure, we cannot guarantee the security of any information we may have collected from or about you through our Sites.

Children’s Privacy

Our Sites are not intended for, nor targeted to, children under 13, and we do not knowingly collect any Personal Information from children under 13. If we become aware that we have received Personal Information from a person under the age of 13, we will delete the information in accordance with applicable law.

Users Outside the United States

By using our Sites, you acknowledge your Personal Information may be transferred to and processed in jurisdictions outside your own, including the United States, as described in this Privacy Policy. Please be aware that the data protection laws and regulations that apply to your Personal Information transferred to the United States or other countries may be different from the laws in your country of residence.

Contact Us

If you have questions about this Privacy Policy, you may email us at [email protected] or call our toll-free number at (855) 343-4070.