Privacy Policy

At Valley Bank, the basis of each customer relationship is trust. You have chosen to do business with Valley Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below. For your peace of mind, all data is transmitted using state of the art encryption technology on our secure server. For all of our customers, private information is never sent over the Internet unprotected.

Notice of Your Financial Privacy Rights

We, our, and us, when used in this notice, mean Valley Bank.

This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:
Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a:

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party.”

The Information We Collect

We collect information about you from the following sources:

Information We Disclose About You

We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

The Confidentiality, Security, and Integrity of Your Information

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

Information About Former Customers

We have the same policy about disclosing information about former customers as we do about current customers.

Online Banking:

How We Handle E-mail

We preserve the content of your e-mail, your e-mail address and our response, for a reasonable period of time, so that we can efficiently handle any follow-up questions you may have, and to meet legal and regulatory requirements. If we think that a particular bank account or service might apply to your situation, we may occasionally contact you at your e-mail address to inform you of potential benefits and availability. Inquiries sent through our “Contact Us” link may not be secure and our response back to you will not include confidential information. You may also contact us by phone, U.S. Postal Mail, or by visiting our nearest branch. See our “Locations” web page for information about our branch locations.

What We Do with Online Surveys

The information you provide on surveys and promotions on our web site will be used for internal marketing purposes, including developing web site information and services that you may find helpful. In addition, we may inform you of new accounts and services from Valley Bank based on information you provide to us.

Online Planning Tools

There are many planning tools throughout the site to help you make the financial decisions that are right for you in the privacy of your own home. We encourage you to try all of your “what if” scenarios as often as you like. When you use the various planning tools on our web site, the calculations run on your PC or server. We do not capture the personal information you provide on these planning tools. Examples include the Simple Loan Calculator, the Simple Savings Goal Calculator, and the IRA Calculator. The calculators are for limited informational purposes only. Valley Bank does not guarantee the results of the calculators and the results depend upon your input. Financial decisions should not be made based solely on the results from these calculators. Always consult with your accountant or other such professional advisors when making such decisions.

Protecting Your Online Banking

We use state-of-the-art Internet technology supported by service providers to make Online Banking secure and to protect your personal information. We also require your account number as access I.D. and a password to access your accounts. If you do not provide this information, we cannot establish an Online Banking service for you. You can help maintain the security of your banking information by not sharing your access I.D. or password with anyone, by changing your password regularly, and by remembering to sign off. Valley Bank will not, at any time, ask you for your password and if any one does ask you for your password you should notify the bank immediately.

Use of "Cookies"

To measure web site activity and address security within Online Banking, our web site makes use of “cookie” technology. A “cookie” is a small text file placed on your hard drive by our web page server. “Cookies” are commonly used on web sites and do not harm your system. These “cookies” do not contain any confidential information about you, and they cannot be used to capture your e-mail address, obtain data from your hard drive, or gain confidential information about you. “Cookies” sent by Valley Bank cannot be read by anyone other than Valley Bank.

Valley Bank collects standard non-identifying information about visits to our web site such as date and time visited and IP (Internet Protocol) address. Use of this information is restricted to compiling standard statistics that measure use of the site.

Our data system records certain information when customers access their personal account information via Online Banking, including transactions they conduct. This data enables us to process and confirm those transactions, and minimize the potential for fraud. “Cookies” contain information that verifies the authenticity of Online Banking requests and maintains continuity.

Time Out Feature

Valley Bank’s Online Banking also has a time out feature. This feature automatically logs you out of your session after 10 minutes of inactivity (by use of a “cookie”). However, for privacy reasons, it’s always safer to actually log off the system when you finish conducting your bank business, instead of relying on the back-up security feature.

Protecting Your Children's Information

The online financial services offered through Valley Bank’s web site are not designed for or directed toward children under the age of 13. We do not knowingly solicit or collect data from children, and we do not knowingly market to children online without express parental consent or notification. If we receive online information from any child we will only use the information to respond directly to a child’s request. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents. If you believe your child has provided personally identifiable information to us, please contact us so we can allow you the opportunity to review and delete such information. Please call us at (253) 848-2316.

Confidentiality and Security

Valley Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

If you have questions regarding Valley Bank’s Privacy Policy or would like to obtain a written copy of our Privacy Policy, you may inquire at any of our branch locations, or call us at (253) 848-2316, or email us with your request at contact@vbwa.com.

Right to Amend

We reserve the right to amend our Privacy Policy at any time, and when required, we will post notice of any change.