Privacy Policy

Columbia Bank ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our banking services.

Please read this Privacy Policy carefully. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Apply for banking products or services
• Sign up for our newsletter
• Contact our customer service
• Participate in surveys or promotions

This information may include:

• Name, address, email address, and phone number
• Date of birth and Social Security Number
• Financial information including account numbers, income, and credit history
• Employment information
• Government-issued identification details

Automatically Collected Information

When you visit our website or use our online banking services, we may automatically collect certain information about your device, including:

• IP address
• Browser type and version
• Operating system
• Device information
• Pages you visit and how long you stay
• Time and date of your visit
• Referring website addresses
• Other browsing activity and patterns

Cookies and Tracking Technologies

We may use cookies, web beacons, pixel tags, and other tracking technologies to collect information about your browsing activities. This helps us improve our website and provide better service. You can set your browser to refuse all or some browser cookies, but this may prevent you from accessing certain parts of our website.

2. How We Use Your Information

We may use the information we collect for various purposes, including to:

• Process your applications and transactions
• Provide, maintain, and improve our services
• Personalize your experience
• Communicate with you about products, services, and events
• Respond to your inquiries and provide customer support
• Send you technical notices, updates, security alerts, and administrative messages
• Monitor and analyze usage patterns and trends
• Protect against fraud and unauthorized transactions
• Comply with legal and regulatory requirements
• Enforce our terms, conditions, and policies

3. Disclosure of Your Information

We may share your personal information with:

Service Providers

We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf, such as payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.

Business Transfers

If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

Protection of Rights and Safety

We may disclose your information to protect and defend the rights, property, or safety of Columbia Bank, our customers, or others, including for fraud prevention.

With Your Consent

We may share your information with third parties when you have given us your consent to do so.

Affiliates and Partners

We may share your information with our affiliates and partners to offer you certain products, services, or promotions.

4. Data Security

We implement appropriate security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include internal reviews of our data collection, storage, and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.

However, please be aware that no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

5. Your Privacy Rights

Access and Control of Your Information

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access and receive a copy of your personal information
• The right to correct or update your personal information
• The right to request deletion of your personal information
• The right to restrict or object to our processing of your personal information
• The right to data portability
• The right to withdraw consent at any time, where we rely on consent to process your information

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect, use, disclose, and sell
• The right to request deletion of personal information we collect from you
• The right to opt-out of the sale of your personal information
• The right to non-discrimination for exercising your CCPA rights

6. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us so that we can delete such information.

7. Third-Party Links

Our website may contain links to third-party websites and services. We have no control over these third parties and are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party websites or services before providing them with personal information.

8. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last Updated" date and will be effective as soon as it is accessible. We encourage you to review this Privacy Policy frequently to stay informed about how we are protecting your information.