California Consumer Privacy

Personal Banking / California Consumer Privacy

What is the California Consumer Privacy Act?

At Centier, we greatly value our clients and consumers and respect their rights to privacy. In 1972, the California Constitution was amended in order to include privacy as an inalienable right of Californians. To assist Californians in exercising this right, in June of 2018, California passed the California Consumer Privacy Act (CCPA), which grants Californians the right to request their personal information that a business collects, discloses, and/or sells, the right to request the deletion of their personal information, and the right to opt-out of the selling of their personal information.

California Consumer Privacy Act
California Consumer Privacy Act Consumer Rights

Your Rights

Under the CCPA, California consumers have the rights to inquire about their personal information collected, sold, and/or disclosed; request the deletion of their personal information; and opt-out of the selling of their personal information. California consumers can exercise their rights under the CCPA by following the steps in order below.


Right to Inquire About the Collection, Selling, and/or Disclosure of Personal Information

Step One: Does Centier have my personal information?
California consumers have the right to request whether we have collected, sold, and/or disclosed their personal information. If you would like to inquire whether we have collected, sold, and/or disclosed your personal information, please click here to submit your request. Upon verifying your identity, we will respond to your request with an affirmative statement on whether we have collected, sold, and/or disclosed your personal information. If our response is “yes” and you would like to inquire more about your personal information, please proceed to step two below.

Step Two: What are the details of my personal information that Centier has?

COLLECTION:
Data that has been collected refers to data gathered by Centier through the opening of accounts, application of loans, etc. Upon submitting this subsequent request, we will disclose to you the following:

  • The specific fields of personal information we have collected on you
  • The categories of personal information we have collected on you. We may or may not collect the following categories of your personal information:
    • Personal Identifiers
    • Legally Protected Characteristics
    • Commercial Information
    • Biometric Information
    • Internet or Other Electronic Network Activity Information
    • Geolocation Information
    • Audio, Electronic, Visual, Thermal, Olfactory, or Similar Information
    • Professional or Employment Information
    • Education Information
    • Inferences Drawn to Create a Profile
  • The categories of sources from which we collected your personal information
  • The business purposes for collecting or selling your personal information, and
  • The categories of third parties with whom we have shared your personal information.

SALE AND/OR DISCLOSURE:
California consumers have the right to request whether Centier has sold and/or disclosed their personal information subsequent to its collection. Upon receipt of a verifiable request, a business that sells and/or discloses personal information will disclose to you the following:

  • The categories of personal information it has collected about you
  • The categories of personal information that the business sold about you and the categories of third parties to whom the personal information was sold, by category or categories of personal information for each third party to whom the personal information was sold
  • The categories of personal information that the business disclosed about you for a business purpose

Centier currently does not sell the personal information of our clients or consumers. However, Centier does disclose the personal information of our clients or consumers, but only in the normal course of completing a business transaction. California consumers are still provided the ability to exercise their right to request whether Centier has sold and/or disclosed their personal information. We will respond to all California consumers’ inquiries related to the selling of their personal information with a statement that we do not sell the personal information of our clients or consumers.

Please click here if you would like to submit a request under Step Two.

Right to Request the Deletion of Personal Information

Step Three: I would like Centier to delete my personal information.
California consumers have the right to request for Centier to delete their personal information. Upon submitting this subsequent request, if we do not need to retain your personal information in order to complete our business processes or fulfill legal obligations, we will delete your personal information from our records as well as from other locations where it has been stored. If you would like to request for Centier to delete your personal information, please click here.

Right to Opt-Out of Sale

Centier is proud to state that we do not sell the personal information of our clients or consumers. However, we reserve the right to alter our usage of personal information at any time. Please see our Privacy Notice for our current usage. California consumers can still opt out of the selling of their personal information at any time by clicking the link below. At such time that we alter our usage of personal information to begin selling, we will then honor your opt-out request.

Do Not Sell My Personal Information

This right can be exercised at any time. California consumers do not need to submit requests under Step One, Step Two, or Step Three before submitting this request.


Alternative Method for Submitting Requests

Centier does not discriminate against California consumers who exercise their rights under the CCPA. California consumers can exercise their right to inquire about the collection, selling, and/or disclosing of their personal information (Step One and Step Two), their right to request the deletion of their personal information (Step Three), and their right to opt-out of the sale of their personal information via the respective links outlined above. Requests can also be submitted by calling our Client Service Center.

Contact Our Client Service Center

1-888-CENTIER (888-236-8437)

Hours of Operation — (CST)
7:00 AM - 7:00 PM (Mon - Fri)
8:00 AM - 3:00 PM (Sat)
10:00 AM - 3:00 PM (Sun)

Scope of Requests

If a California consumer submits a verifiable request to us and our search indicates that we do not have any records of their personal information, we will respond to their request stating so. Requests will be processed as the law allows. Each request may be submitted by a third party on behalf of a California consumer. We reserve the right to deny the processing of a consumer request if it is unreasonable or excessive. We will only process two rounds of requests per California consumer within a twelve-month period (one round includes requests under Step One through Step Three, and a request to opt-out of the sale of personal information). All rights, except for the Right to Opt-Out of Sale, must be exercised in order. Responses to each request will only be based on the personal information collected, sold, and/or disclosed on the California consumer within the preceding 12 months; therefore, in order to be eligible to receive a response to the request, the California consumer must have been a California consumer within at least the 12 months preceding the date the request was submitted. Our privacy team is happy to answer any questions and can be reached by emailing privacy@centier.com.

If you would like to learn more about our collection of personal information, please read our Data Collection Notice.

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