California Notice at Collection

The purpose of this Notice at Collection is to provide California residents with notice regarding your personal information. Included below are (1) the categories of personal information to be collected, (2) the purposes for which the personal information is collected or used, (3) whether that information is sold or shared, (4) the length of time we intend to keep the categories of personal information or the criteria used to determine that time period, and (5) a link to our privacy policy or information on where it can be found online.

Categories of Personal Information To Be Collected

Category	Examples
A. Identifiers	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
B. Personal information described in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
C. Protected classification characteristics under California or federal law	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
D. Commercial information	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
E. Internet or other similar network activity information	Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.
F. Geolocation data	Physical location or movements.
G. Sensory data	Audio, electronic, visual, thermal, olfactory, or similar information.
H. Professional or employment-related information	Current or past job history or performance evaluations.
I. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. § 1232g, 34 C.F.R. Part 99))	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
J. Inferences drawn from other personal information	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
K. Sensitive personal information	Personal information that reveals (1) a consumer’s social security, driver’s license, state identification card, or passport number; (2) a consumer’s account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; (3) a consumer’s precise geolocation; (4) a consumer’s racial or ethnic origin, religious or philosophical beliefs, or union membership; (5) the contents of a consumer’s mail, email and text messages, unless the business is the intended recipient of the communication; and (6) a consumer’s genetic data.

Note that the categories of personal information that we will collect about specific consumers will vary based on our relationships or interactions with those consumers.

The Purposes for which Personal Information Is Collected or Used

To provide you with information about products or services that you request from us.
To provide you with email or SMS alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you.
To carry out our obligations and enforce our rights (including for billing and collections) arising from any contracts between us.
To improve our website, web application, or mobile application, and to present that content to you.
For testing, research, analysis and product development.
As necessary or appropriate to protect the rights, property or safety of us, our customers, or others.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.

In addition to the above, if you are a California resident who is a job applicant, employee, former employee, director, officer, or independent contractor of Customers Bank, we collect and/or use your personal information for the following purposes, as applicable:

To process your job application, establish a job applicant profile for the recruitment process, assess your qualifications for a specific role with us, schedule and conduct interviews, communicate with you, and carry out background and reference checks. We may collect audio and visual information of job applicants through photographs used for identification purposes. With your consent, we may record video of you in connection with the application process, for example through a third-party screening service. Additionally, if you are offered a position with us, we may use your personal information in the employee on-boarding process.
To conduct reference checks and to evaluate your qualifications and experience. We may also conduct background checks (as authorized by you and permitted by applicable law).
To analyze and improve our recruitment process and tools. For example, we analyze trends in our applicant pool, and use personal information to understand and improve our recruitment process and tools (including improving diversity and inclusion). If you use our online job application process, we collect personal information in this category, such as your interactions with our “Careers” page and our online application process.

Selling or Sharing Person Information The California Consumer Privacy Act defines “selling” as disclosing personal information to a third party for monetary or other valuable consideration. The Act defines “sharing” as disclosing personal information to a third party for cross-context behavioral advertising, whether or not for monetary or other valuable consideration. Customers Bank does not sell personal information to or share personal information with third parties.

Retention of Personal Information We will retain your personal information only for as long as reasonably necessary to fulfill the purposes for which we collected it, including satisfying any legal, regulatory, tax, accounting or reporting requirements. To determine the appropriate retention period for personal information, we consider the amount, nature and sensitivity of the personal information; the potential risk of harm from unauthorized use or disclosure of your personal information; the purposes for which we process your personal information and whether we can achieve those purposes through other means; and the applicable legal, regulatory, tax, accounting or other requirements. When we have no further business need for your personal information, we will either delete or anonymize it. However, if deletion or anonymization is not possible (e.g., because your personal information has been stored in backup archives), we will securely store your personal information and isolate it from any further processing until deletion or anonymization is possible.

Privacy Policy
Our California Privacy Policy is available at https://www.customersbank.com/ca-privacy-notice/

Our federal Privacy Notice is available at https://www.customersbank.com/privacy-notice/