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Golden Pacific Bank, a Division of SoFi Bank, N.A.
Online Privacy Notice

Last Update Jan 25, 2023


This Privacy Notice (“Notice”) applies to Golden Pacific Bank, a Division of SoFi Bank, NA (“Golden Pacific Bank”, “we”, “our,” or “us”) and our online and offline collection, use, sharing, and retention of personal information.

Changes to this Notice

We may change or update this privacy notice periodically. When we do, we will let you know by appropriate means such as by posting the revised notice on our website with a new “Last Update” date. Any changes to this Notice will become effective when posted unless indicated otherwise.

Information We Collect and How We Collect It

We collect information when you use one or more of our websites or apps. The information we collect depends on how you use our websites and apps.

Personal Information:
Through the use of our websites and apps, we collect information that either alone or when combined with other information identifies you as an individual, which we refer to as Personal Information. 

Website Visitors
We collect the following site visit information when you visit and/or do business on our websites:

    • Network or device information such as your operating system or IP address
    • Information about your physical location, but only with your permission
    • Information about which pages you visit on our websites
    • Information about the webpage you visited just before our websites Information about the webpage you visited just after leaving our websites

Online Banking Customers: If you bank online with us, you are required to create an online banking profile by supplying a username, password, email address, and answers to a few security questions. Once you have created your online banking profile, we also collect and retain additional personal information including:

    • Your name, postal address, mobile number, and other contact information
    • Transaction information
    • Your date of birth and Social Security Number or Individual Taxpayer Identification Number
    • Information necessary for you to transfer funds from your accounts to your accounts at other financial institutions or pay your bills online

We retain this information and any supporting materials from both completed and partially completed applications as required by law or based on a legitimate business purpose.

Loan Information: If you are interested in any of our loan products, you can request additional information via an online form. On this form we collect first name, last name, email and optionally, phone number.

App Users: If you download and use our apps, in addition to the online banking customer information discussed above, we will also automatically collect and keep certain information about your mobile device or computer, such as your device’s unique identification number, its operating system, certain device settings and preferences, and information about how you are interacting with our apps. If you use our mobile deposit services, and take photographs of checks using our app, we will also collect an image of your check to facilitate your deposit.

Internet, device, and/or other similar network activity
We also collect information about your computer or mobile device to improve and evaluate your use of our website and our services. We may gather data such as your browser type, operating system, loading or exiting of web pages, and the Internet Protocol (IP) address of your computer or device.

Contacting us by Telephone
If you communicate with us by telephone, we may monitor or record the call. This is done for reasons such as maintaining the integrity of your account, providing effective and timely service, and improving our products.

Information we collect from third parties:

The following categories of information may be collected from third parties.

Consumer Reports
As a company engaged in lending, we both receive and transmit information to consumer reporting agencies. We partner with these agencies to assess your creditworthiness and to prevent fraud and identity theft. This is done as part of our regular underwriting, fraud prevention and loan servicing processes.

Information we collect in these reports includes, but is not limited to:

    • Information about open and closed credit accounts, including the date opened, the date closed (if applicable), the latest reported monthly balance and monthly payment
    • Information about credit inquiries
    • Information about late payments and collection actions occurring on open and closed credit accounts
    • Information regarding public records of bankruptcy, judgements, tax liens, and other payment statuses
    • The credit score produced by the credit bureau providing the report
    • Information about your transaction history, assets, and account balances

Information We Get from Data Brokers, Partners, and Advertising/Marketing Companies 

Cookies and Similar Technologies
We use “cookies” and similar tools to track your use of the website when you use our services. We collect information such as the types of service used, and number of users we receive daily. Our web servers automatically log information about your computer, but we don’t use this information to identify you personally.

We and our service providers use cookies and similar technologies to improve our service, our website and to provide more relevant experiences for you. Cookies are designed to transfer a small amount of data to your browser. It functions as your computer’s identification card and enables us to improve your experience by securely maintaining your authenticated session and preferences.

You can set your browser to notify you when you receive a cookie, allowing you to decide whether or not to accept it. For some web pages requiring an authorization, cookies are not optional. Users choosing not to accept cookies or similar devices will probably not be able to access those pages or their products and services.

How We Use and Share Personal Information

We collect personal information from you to respond to requests, deliver services, remember users and their preferences, perform statistical analysis, authenticate users, comply with legal and regulatory obligations, prevent fraud, detect and respond to security incidents, and to deliver information to prospective and current online account holders. We do not sell or lease the personal information we collect to non-affiliate third parties for marketing purposes, but we may share certain information with our affiliates and select non-affiliated third parties for other purposes.

Site Visit Information: When you visit our websites or use our apps we use anonymous information to help us remember you and your preferences. We may also use cookies to identify and authenticate customers using a randomly assigned code, and not the customer’s personal information. Our websites also collect location information with your permission, and we use that information to enhance the quality of our services. Finally, we use and may share website visit information for analytics purposes to improve our products and services.

Online Account Applicant Information: If you apply for an account through our websites, we may use the personal information you provide and share it with service providers to process your request for an account, to obtain background and credit information about you from third parties to the extent permitted by law, or if you share your telephone number, email address, or physical address with us, we may use that information to contact you about the services for which you expressed an interest.

Online Banking Customer Information: If you are an online banking customer, we use the personal information you share with us to identify you, process your transaction requests and confirm your identity. We use your contact information to respond to your telephone inquiries or to provide information on products or services. We may share information about you with third parties, in accordance with our Consumer Privacy Policy. Such disclosure may be made, for example, if you have asked us to share information with the third party or we are required to disclose the information to complete a transaction on your behalf. Please see our U.S. Consumer Privacy Notice for more information.

App User Information: If you use our apps, we use the data collected to enhance the quality and efficiency of our mobile banking services, to process your transactions, and to provide access to those services.

Legal and Law Enforcement Requests: We may also disclose personal information and anonymous site visit information collected from our websites or our apps as required or permitted by law, and to comply with any legally binding requests—like a subpoena, warrant, or similar legally enforceable request for information.

Geolocation and Online Tracking

When you visit our websites, you may be asked if you would like to share your location with us. You must opt-in to sharing your location before we will collect it, and the decision to share your location is entirely up to you.

Our apps do not automatically collect location information from your device. However, our apps use, but do not store, certain location-based data from your mobile device to help you find our branches or our ATMs. If you do not wish to use these location features, you should review your mobile device’s settings and disable location services for our apps.

Our websites and our apps do not process or respond to "do not track" signals or other similar web browser signals. When you visit our Sites, we collect information about the webpage you visited before visiting our websites and the webpage you visit after leaving our websites.

Changing Your Information

If you are a customer of Golden Pacific Bank, a Division of SoFi Bank, N.A., you can correct or update your information by contacting us at (800) 582-5503. You may also be able to update select information by logging into your online banking account, and visiting the page. 

Protecting your Personal Information

What we do to protect your personal information
We take the privacy and security of your personal information seriously. We maintain administrative, technical and physical safeguards designed to protect your information’s security, confidentiality and integrity.

We protect personal information you provide online in connection with applying for and using an online banking account, or requesting information online about our loan offerings. Access to your own personal information is available through a unique user ID and password selected by you. To protect the security of your personal information, never share your password with anyone. Please notify us immediately if you believe your password has been compromised.

Remember – information you submit to us by email may not be protected, so please do not send sensitive information in an email to us. We never request that you submit sensitive personal information over email, so please report any such requests to us by calling us at (800) 582-5503.

Steps you can take to help us keep your information safe
There are many steps you can take to help us keep your information safe. First and foremost, choose complex, unique passwords for each website and online service you maintain an account with. Also, don’t use anything related to your birthday, address, phone number, PIN number or any other easily guessable information in your password.
We urge your caution when using public computers or networks, like at a coffee shop or library. To best protect your personal information and login information, don’t use such computers to access your sensitive accounts, and if you must, ensure that you logout of your account entirely and close the browser to clear any stored information on that computer.

When either you or we update information in your account, we typically send you notice of these changes via mail or e-mail. In recent years, individuals, businesses and even governments have seen a rise in “phishing” attacks. Phishing occurs when someone attempts to obtain your password or other sensitive information. Scammers often do this by impersonating a trusted user, or offering a compelling reason to open a malicious email attachment, click on a link or give over information. We never ask for your sensitive personal information, such as password, over email or other unsecure methods or through any site not under the domain. Please notify us at [email protected] if you ever receive suspicious correspondence related to your account service we provide to you.

Other Websites

For your convenience, our websites may contain links to other websites, or may refer you to other websites. This Privacy Notice only applies to Golden Pacific Bank’s website and services. The website and services may contain links to other websites or apps or may forward users to other websites or apps that we may not own or operate and to which this Notice does not apply. Links to other websites and apps do not imply that we endorse or have reviewed these websites or apps. We neither can control nor are responsible for the privacy practices or content of these websites or apps. We suggest reading the privacy notices of these websites or app providers, or contacting them directly for information on their privacy practices. Nonetheless, we seek to protect the integrity of our services and welcome any feedback about these linked websites and mobile applications.

Children's Online Privacy

Our services are not designed for or offered for use by children, and we never intend to collect personal information from children under 13 years of age. If we learn or are notified that we have collected information from a child under the age of 13, we will promptly remove the data from our systems. We do not sell personal information, including that of minors under the age of 16.

Your California Privacy Rights

For more information about how we use and share the personal information we collect, and the rights of California residents under the California Consumer Privacy Act please see our Online Privacy Policy for California Residents

Your Nevada Privacy Rights

Senate Bill No. 220 (May 29, 2019) amends Chapter 603A of the Nevada Revised Statutes to permit a Nevada consumer to direct an operator of an Internet website or online service to refrain from making any sale of any covered information the operator has collected or will collect about that consumer. You may submit a request pursuant to this directive by emailing us at [email protected]. We will provide further information about how we verify the authenticity of the request and your identity.

If you have questions please call us at (800) 582-5503.