Internet Privacy Policy

The Five Star Bank Internet Privacy Policy covers both our website, as well as our online and mobile banking system - Five Star Bank Digital Banking - unless specifically stated. When used in this Policy, Five Star Bank shall include their affiliates, including but not limited to Courier Capital LLC.

 

Our website does not collect personally identifiable information about you except when specifically, and knowingly provided by you. However, we may automatically collect certain information relating to your device, such as your IP address, browser and operating system, through cookies and similar technologies as described in this Policy. For purposes of this policy, “personally identifiable information” means any information concerning a natural person, as opposed to a corporate entity, which, because of name, number, symbol, personal mark, or other identifier, can be used to identify that natural person. Once you have provided personally identifiable information, it will be encrypted and used for the purpose as described at the point of data collection. All such information will then be subject to the provisions of our Privacy Notice.

 

For each visitor to our web pages, our web server automatically recognizes a user's software information and may collect specific information, including but not limited to the type of device, browser, and operating system utilized, IP address for your device, and any other additional information associated with your device. We also collect information on these visits to our site including but not limited to how many visitors we had, what sites they came from, which of our pages they visited, how long they stayed at each page, and the total time of their visits.

 

The general information we collect is used to analyze and improve the content of our site. It is not shared with other organizations for commercial purposes.

 

If you send us email, your return address will be displayed in the header we receive. We will use this information to respond to your inquiry, and we will keep your message as a record of our contacts. We will not share that information or the information within your email message with non-affiliated outside companies or agencies unless it is necessary for us to do so to respond to your email or carry out a request therein, or unless we are required to do so by law or court order.

 

To provide a better experience to you within your use of our Digital Banking as well as when you access our web page, we use web beacons, pixels, software development kits (SDKs), device identifiers and digital cookies. A cookie is a piece of data from a website that is stored to your web browser for the website to retrieve at a later time. We set a digital cookie in your web browser each time you log onto Five Star Bank Digital Banking or access our website. All tracking technology used does not store any personally identifiable information but collects the information noted below.

 

During your use of Five Star Bank Digital Banking, our Digital Banking Service Provider uses encrypted session cookies to maintain and authenticate your session during each login. If the session is interrupted or the cookie becomes invalid (as may occur if an intruder intercepts your information), your connection will be terminated. These cookies are required to use the full suite of Digital Services and help enable platform functionality, allow multiple transactions without requiring repeated login, and provide an additional level of security.

 

These cookies do not contain personally identifiable information and are stored on your device while you are logged in. We recommend users log out of Digital Banking to end each session. This will end the session and clear the cookie from your browser. If users close their browser or turn off their device without logging out, the session may remain active for up to 60 seconds before automatically expiring. Once a session expires, any existing cookie becomes invalid, and because new cookies are generated for each session, previously issued cookies cannot be used to access your account.

 

We use advertising cookies and tracking technology to help us evaluate the performance of campaigns or to provide better targeting for our marketing campaigns. Advertising cookies may collect information about how you interact with our website, apps or marketing materials. The techniques do not collect personal information such as your name, email address, postal address, or telephone number. We may also match customer data with third-party data providers to associate a cookie with non-identifiable consumer data for the purpose of targeted advertising.

 

We may use the information collected for various other purposes, including but not limited to improve the services we provide, and the web pages provided, to customize your experience, to comply with law, to provide information relating to new products or services, to provide you with information you have requested, or to provide you with further information on products or services.

 

We collect information from you when you fill out an online application for a new product or service (loans, deposit accounts etc.). All online applications are encrypted to maintain the security of your information.

 

Information that you input on the website while using any of our calculators is not captured, stored, or used in any way other than to provide you with the information you are looking for at the time you use the calculator.

 

Cookies can be set by the operator of the websites you visit or by third parties that may or may not have a relationship with that operator. First party cookies are set by the operator to gather information for use by the operator. For example, to help us evaluate whether our websites are performing as intended.

 

In addition to cookies which send information to us, our websites also use cookies which collect information and send it to third parties. These are third party cookies and are set by an external organization. An example of this is Google Analytics; we use Google Analytics to help collect and compile information like the number of visitors to our site, where visitors have come to the site from and the pages they visited. Visit Google’s site for an overview of privacy at Google and information on how to opt out of the Google Analytics cookie.

 

Please note that these third-party cookies and other websites use cookies in accordance with their own cookie policies, which may differ from ours. You may be able to block first and third party cookies through your browser settings. Most browsers are initially set to accept cookies.

 

We do not knowingly solicit, market, or retain personally identifiable information from children under the age of thirteen. However, we have no way of distinguishing the age of individuals who access our website, we collect the same general information we collect from any website user as well as personally identifiable information from individuals under the age of 13 if they provide it. If a parent or guardian becomes aware that a child has provided us personally identifiable information, please contact us immediately.

 

Residents of certain states may have privacy rights regarding personal information collected online, including rights to access, correct, delete, or obtain information regarding certain categories of personal information, subject to limitations and exemptions provided by law.

 

Many categories of personal information maintained by financial institutions are subject to, and exempted by, the Gramm-Leach-Bliley Act and other federal and state banking laws. We will evaluate and respond to privacy rights requests in accordance with applicable law.

 

To submit a privacy-related request, please use the contact information provided below.

 

California law defines certain identifiers, including Internet Protocol (IP) addresses and online activity information, as personal information. When visitors access our website, we may collect limited technical information such as IP address, browser type, device information, and website usage data for security, operational, and website administration purposes. We do not sell personal information or share personal information for cross-context behavioral advertising.

 

We may provide links to information, products or services offered on websites that are owned or operated by other companies and may be necessary to obtain some of our services ("third party websites”). We will notify you when you leave the Five Star Bank website. If you choose to link to websites not controlled by Five Star Bank, we are not responsible for the privacy or security of these sites.

 

Aggregation/consolidation websites offer the ability to access all your personal information on one website. You may be asked to provide an aggregation/consolidation site with your personal financial information, such as your user ID and password for the Five Star Bank Digital Banking system. We urge that you do not provide this information to a site that you do not recognize and fully trust.

 

All transactions initiated by this type of site using access information you provided are considered to be authorized by you, whether or not you were aware of the specific transaction. If you wish to cancel your third-party aggregation/consolidation service, we recommend that you also change your Five Star Bank Digital Banking password.

 

We receive the right to introduce new services or practices that may require a change to the provisions of this Internet Privacy Policy. We are committed to updating our Internet Privacy Policy promptly to keep you informed on how we use information you give us.

 

Your continued use of any of our services following the posting of a revised version of this Internet Privacy Policy will constitute your acceptance of the revised statement.

 

We value your relationship. We want you to know how we use the information you provide and our commitment to ensuring your personal privacy.

 

If you have any questions about how we protect your confidential information or about the privacy provisions of this Statement. please contact us at customerservice@five-starbank.com or call 877.226.5578.

 

 

REV. 08/2026