Consumer Online
Privacy Policy

Grasshopper Bank, N.A. (“we”) respects your desire for privacy and is committed to maintaining the confidentiality of your personal financial information. This document outlines our privacy policy for consumer visitors to our web site. If you are a consumer who has a continuing relationship with us, please see our Privacy Notice for additional details about our treatment of your personal information.

Visitors to Our Web Site.

Visitors to our web site remain anonymous, unless they register for a service or otherwise elect to disclose their identity to us. Although we do not collect personally identifying information about persons who simply visit our site, we do collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the Internet). We also may place “cookies” on a computer to track a visitor’s use of our web site. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our site and make its navigation easier for you. We sometimes use cookies to help estimate the number of visitors to our site and to determine which areas are the most popular. Unless you register with us for a service (such as our online banking service), the cookie does not provide us with

Our Collection of Information About You.

We may collect nonpublic personal information about you in order to understand your needs, administer our business, process transactions, and provide you with products and services. We obtain nonpublic personal information about you from the following sources when you request or obtain services from us:

Information we receive from you on applications or other forms (such as your name, address, social security number, assets and income);
Information about your transactions with us or others (such as your account balance, payment history, parties to transactions, and credit usage); and
Information we receive from a consumer reporting agency (such as your creditworthiness and credit history).

Our Disclosure of That Information. We may disclose information about you, your accounts and transactions: (a) where it is necessary or helpful to effect, process or confirm your transactions; (b) to verify the existence, history and condition of your account for credit reporting agencies; (c) to comply with legal process, such as subpoenas and court orders; (d) to law enforcement authorities if we believe a crime has been committed; (e) if you give us your consent; and (f) as otherwise permitted by law.

We do not disclose nonpublic personal information about our current or former customers to others, except as set forth in our Privacy Notice.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

“Do Not Track” Settings. Your Internet browser may contain tools to request that web sites not track your online activities. Industry standards for this technology are evolving and we currently do not respond to or take any action with respect to the “do not track” settings in your Internet browser.

Online Activity. There are a number of third parties (e.g., social media companies and advertising networks) that may build profiles based on your browsing activity across one or more web sites over time. That information may be used, among other things, to target specific advertisements to you. If a third-party cookie or similar tracking device is placed on your computer by one of these companies, it may be able to collect information about your browsing activity at our web site. In addition, our web site may contain advertisements, tools, or other services provided by third parties that may collect information about your online browsing activities over time and across different websites. If you provide us with nonpublic personal information about yourself, we do not share that information with third-parties except in accordance these terms and our Privacy Notice.

State Rights. Depending on where you live, you may have additional privacy protections under some state laws. For example, certain state laws may restrict the types of information we may disclose about you, limit the parties with whom we may share such information, or require us to provide you with additional notices or opt-out rights. We will comply with applicable state laws before sharing nonpublic personal information about you. We may do this by sending a separate notice of those rights to you.

Maintaining Accurate Information. We have procedures in place that help us to maintain the accuracy of the personally identifiable information that we collect. Please contact our customer service center at 888-895-9685, if you believe that our information about you is incomplete, out-of-date, or incorrect. If you are an online banking customer of ours, visit our website at www.ppbi.com to review and correct information about yourself, such as a change in your name, address or e-mail address.

Information Security. We restrict access to nonpublic personal information about you to those employees who have a need to know such information (e.g., to process your transactions or provide services to you). We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

SMS Communications and Disclosures

SMS Opt-In and Consent. By providing your mobile number, you consent to receive SMS text messages from Grasshopper Bank, N.A., which may include account-related alerts, notifications, or other communications related to your relationship with us. Message and data rates may apply, and the frequency of messages may vary based on your interaction with us.
How to Opt-Out. You may opt-out of receiving SMS messages at any time by replying “STOP” to any SMS message you receive, or by contacting our customer service center at (888)895-9685. Upon opting out, we will send a final confirmation message to confirm that you will no longer receive SMS messages from us.
Information Collected. We will collect and store details related to your SMS communications, including your mobile number and any opt-in or opt-out requests, for compliance and servicing purposes. Your SMS consent data will not be shared with third parties for marketing or promotional purposes.
Security and Privacy. Grasshopper Bank, N.A. takes privacy seriously and employs measures to protect your personal information in accordance with federal standards. Text messages are subject to your mobile provider’s own privacy policy, and Grasshopper Bank, N.A. is not responsible for the actions of third parties regarding SMS privacy.

Links to Other Web Sites. Our web site may feature links to third party web sites that offer goods, services or information. Some of these sites may appear as windows-within-windows at this site. When you click on one of these links, you will be leaving our site and will no longer be subject to this policy. We are not responsible for the information collection practices of the other web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

Services and Advertisements by Third Parties. Third parties may offer services from time to time at our web site. If you provide them with information, their use of that information will be subject to their privacy policy, if any, and will not be subject to this policy. If you accept third party goods or services advertised at our web site, the third party may be able to identify that you have a relationship with us (e.g., if the offer was only made through our site).

Minors. We feel strongly about protecting the privacy of children and teenagers. As such, we do not knowingly collect personally identifiable information from minors through our web site.

Changes to this Policy. We may add to, delete, or change the terms of this Consumer Online Privacy Policy from time to time by sending you a notice or posting a notice of the change (or an amended Consumer Online Privacy Policy) at this web site. If required by law, we will send you a notice of the change. Your continued use of our web site or any online service following notification will constitute your agreement to the revised Consumer Online Privacy Policy.

What Does Grasshopper Bank, N.A. 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 account balances
Payment history and transaction history
Overdraft history and account transactions
Location Data
Contacts
Camera

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 Grasshopper Bank, N.A. chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information

Reason	Does Grasshopper Bank, N.A. 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 afﬁliates to market to you	No	We don’t share

What We Do

How does Grasshopper Bank, N.A 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. We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is inappropriate.

How does Grasshopper Bank, N.A. collect my personal information?

We collect your personal information, for example, when you

Open an account or pay your bills
Apply for a loan or make deposits or withdrawals from your account
Provide account information

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 nonafﬁliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Questions. If you have any questions regarding this Consumer Online Privacy Policy, you can call us at 888.895.9685.