Sterling Bank & Trust - Privacy Policy

Privacy Policy

Facts	What does Sterling Bank & Trust, FSB do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Sterling Bank & Trust, FSB chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Sterling Bank & Trust Share?	Can you limit this sharing?
For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.	Yes	No
For our marketing purposes—to offer our products and services to you.	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes—Information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes— Information about your creditworthiness	No	We don't share
For non-affiliates to market to you	No	We don't share

Questions?

Call toll-free (800) 944-2265

Who we are
Who is providing this notice?	Sterling Bank & Trust, FSB, and its division SBT Advantage Bank.
What we do
How does Sterling Bank & Trust, FSB protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Sterling Bank & Trust, FSB collect my personal information?	We collect your personal information, for example, when you: open an account or deposit money pay your bills or apply for a loan use your ATM or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes-information about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Sterling Bank & Trust, FSB has no affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Sterling Bank & Trust, FSB does not share with non-affiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partner(s) include other financial companies with whom we have joint marketing agreements.

CALIFORNIA CONSUMER PRIVACY ACT PRIVACY POLICY

Under the California Consumer Privacy Act (CCPA), California residents are provided with specific rights regarding the personal information that is collected, used, disclosed, or sold about them.

Your Rights Regarding Your Personal Information

(1) Right to Know About Personal Information Collected. You have the right to request that we disclose the personal information we collect and use about you.

PERSONAL INFORMATION COLLECTED

Personal Information We Collected. We collected the following categories of personal information in the preceding 12 months:

Identifiers, such as name and federal or state issued identification numbers including Social Security number, driver’s license number, and passport number
Personal information, such as telephone number, address, account number and balance, and signature
Characteristics of protected classes or groups under state or federal law, such as sex or marital status
Commercial information, such as records of personal property, products and services obtained, and purchasing histories
Biometric information, such as fingerprints and voice recordings
Internet or online information such as browsing history and information regarding interaction with websites, applications, or advertisements
Geolocation data
Audio, electronic, visual, thermal, olfactory, or similar information
Professional or employment-related information
Education information
Inferences drawn from any of the information to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

Categories of Sources. We collected your personal information from the following type of people or entities:

Direct from the consumer
Advertising networks
Internet service providers
Data analytics providers
Government entities
Operating systems and platforms
Social networks

Business or Commercial Purposes. We collect your personal information for these business or commercial purposes: Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

NOTICE AT COLLECTION OF PERSONAL INFORMATION

Under California law, we are required to provide you with timely notice about the categories of personal information that we collect and the purposes for which we may use your information. We will not collect additional categories of personal information or use your information for a materially different purpose without providing you notice.

We collect the following categories of personal information:

Identifiers, such as name and federal or state issued identification numbers including Social Security number, driver’s license number, and passport number
Personal information, such as telephone number, address, account number and balance, and signature
Commercial information, such as records of personal property, products and services obtained, and purchasing histories
Biometric information, such as fingerprints and voice recordings
Internet or online information such as browsing history and information regarding interaction with websites, applications, or advertisements
Geolocation data
Audio, electronic, visual, thermal, olfactory, or similar information
Professional or employment-related information
Education information
Inferences drawn from any of the information to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

We may use the personal information we collect for the following purposes:

To provide products and services
To service your account or loan with us
To protect you and your account, verify your identity, and to identify and prevent fraud
To optimize customer service, improve products and services and to market Sterling Bank promotions and products to you
To maintain our internal systems and infrastructure
To comply with laws, regulations, and related requests
To review qualifications, administer background checks and employee services
To manage health and safety of our employees
To ensure compliance with applicable laws and regulations, including to respond to civil, criminal, and regulatory requests.

Our privacy policy can be found here: https://www.sterlingbank.com/privacy.html.

(2) Deletion of Personal Information. You have the right to request us to delete any personal information that we have collected about you. Subject to certain exceptions, we will delete the personal information that we have collected about you from our records, and we will direct any service provider to delete your personal information from their records.

(3) Right to Opt-Out. You have the right to opt-out of the sale of your personal information to third parties at any time; however, we do not currently sell your personal information.

(4) Non-Discrimination. We will not discriminate against you for exercising any of these rights. Unless permitted by the CCPA, we will not do any of the following if you exercise any of your rights listed above:

Deny you goods or services;
Charge you different prices or rates for goods or services, including through the use of discounts or other benefits or impose penalties;
Provide you a different level or quality of goods or services; or
Suggest that you may receive a different price or rate for goods or services of a different level or quality.

How to Submit A Request Regarding Your Personal Information

You can submit a verifiable request to us to exercise your right to know personal information a business collects or uses and the right to delete personal information collected by the business. We will confirm that we received your request within 10 business days, and we will provide you with information on how we will process your request. We will respond to your request within 45 calendar days once we receive your request. If we cannot verify your identity within this time period, we may deny your request. If we need more time, we will inform you of the reason for the delay during this time period and may extend the time to respond up to an additional 45 calendar days.

The process we will use to verify your request to know the personal information collected or used about you and your request to delete the personal information, including any information you must provide, is If you wish to submit a verifiable request for personal information we collect, use, or disclose or a request to delete information you should:

Contact us at our toll free number 800-944-2265
Visit our website at www.sterlingbank.com

When you request information, we will verify your identity using standard verification methods, utilizing information that we already have about you. This may include personal identifying information about yourself or your accounts with us.

In order to verify your identity, we will review your government issued photo identification, account numbers, card numbers, or other personal identifying information.

Your authorized agent may also make a request on your behalf. When submitting a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom you are submitting a request.

Sterling Bank and Trust will not discriminate against you when you exercise a privacy right under CCPA.

Request to Know. You may submit a verifiable request to know the personal information we collected, used, disclosed, or sold by calling us toll-free at 1-800-944-2265. You may also submit your request to know by using any of the following methods:

Visiting our online form at: www.sterlingbank.com

Request to Delete. You may submit a verifiable request to delete the personal information we collected by:

Calling us toll-free at: 1-800-944-2265
Visiting our online form at: www.sterlingbank.com

Contact For More Information

For more information about our privacy policies and practices, you can contact us by Visit Our Website at: www.sterlingbank.com

Rev. 4/2022

Sterling Bank offers a broad range of financial services including personal banking, small business lending, mortgages, credit cards, auto financing and investment advice.