Privacy & Security

Our Privacy Commitment to You

We value the trust you place in us and it is our commitment to protect the personal privacy rights of all our clients. We realize that our clients entrust us with personal information and it is our policy to maintain our clients’ information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our clients’ personal information, as well as personal information of all consumers who visit our institution and web site.

Confidentiality and Security of Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We train our employees in our privacy policy and procedures, and they are held accountable for adhering to them. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Your Financial Privacy Rights

We, our and us, when used in this notice mean Lighthouse Bank. When we use the words, “you” and “your” we mean the following types of clients:

Clients who have a continuing relationship by purchasing or holding financial products or services, such as a(n):

  • Deposit Account (Checking, Savings, Money Market or Certificate of Deposit)
  • Loan Account
  • Safe Deposit Box
  • IRA accounts for which we act as custodian

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.”

Nonpublic Personal Information We Collect

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications, other forms or through the Internet, such as your name, address, Social Security number, assets and income.
  • Information about your transactions with us, such as your account balance, payment history, parties to transactions and credit card usage.
  • Information we receive from a consumer-reporting agency, such as information relating to your creditworthiness and credit history.
  • Information we receive as a result of verifying client information.

We collect information about you only when we reasonably believe it will help provide products, services and other opportunities to you. We obtain only information that is necessary to administer our business and is allowed by law.

Personal Information We Disclose

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

Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies

Please notify us if we report any inaccurate information about your account(s) to a consumer-reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: Lighthouse Bank, P.O. Box 8317, Santa Cruz, Ca. 95061-8317 . We will promptly investigate your concerns and correct any inaccuracies.

We reserve the right to add to, delete or change the terms of this Privacy Policy for Consumers from time to time or as permitted by law. We will send a new Privacy Policy for Consumers before we implement any new sharing practices in regards to affiliated or nonaffiliated third parties, allowing you the opportunity to request we do not share your information.

Guarding Your Own Information

For additional information about identity theft, you may visit, or contact the Federal Trade Commission’s ID Theft Hotline at (877) ID-THEFT.

FDIC Information

(877) ASK-FDIC ( (877) 275-3342)
8:00 a.m. – 8:00 p.m. (EST)
Monday through Friday

Hearing Impaired Line:
(800) 925-4618

Calculating insurance coverage using the FDIC’s Online Electronic Deposit Insurance Estimator at:

Additional FDIC information:


Consumers who want to learn more about computer security and online scams can find additional information at: and








Temporary Liquidity Guarantee Program
Lighthouse Bank has elected to participate in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules. The Premier Nonprofit Interest Checking account is not covered under the Transaction Account Guarantee Program.