Categories of Personal Information We May Collect

Depending on your relationship with Pioneer Bank, the products or services you use, and applicable legal requirements, we may collect categories of personal information that include:

• Identifiers, such as your name, mailing address, telephone number, email address, IP address, Social Security number, driver's license number, government-issued identification, account information and similar identifiers.
• Personal characteristics or classifications protected under applicable California or federal law.
• Commercial and financial information, including information related to accounts, transactions, products, services and financial relationships.
• Internet or electronic activity, which may include information about interactions with Pioneer Bank websites, online services or digital platforms.
• Geolocation information when permitted and necessary for services such as location-based functionality, security or fraud prevention.
• Professional or employment-related information.
• Education-related information when relevant to a relationship with Pioneer Bank.

How Pioneer Bank May Use Personal Information

Pioneer Bank may collect, use and process personal information for legitimate business, operational, security and legal purposes, including:

• Providing banking products, services and transactions requested by you.
• Establishing, maintaining and servicing customer accounts.
• Processing transactions and fulfilling contractual obligations.
• Improving Pioneer Bank products, services, websites and digital experiences.
• Communicating with customers about accounts, services and relevant products.
• Detecting, investigating and preventing fraud, unauthorized activity and other security threats.
• Protecting Pioneer Bank, our customers and others from illegal or harmful activity.
• Meeting regulatory, recordkeeping and other legal obligations.
• Responding to lawful requests from government agencies or regulators.
• Managing and supporting Pioneer Bank's business operations.

Sensitive Personal Information

Certain information collected in connection with banking services may qualify as sensitive personal information under applicable law. This may include information such as Social Security numbers, government identification information, financial account information or precise geolocation information.

Pioneer Bank uses sensitive personal information only as reasonably necessary to provide services, protect accounts, prevent fraud, comply with legal obligations and conduct other permitted business activities.

Sale or Sharing of Personal Information

Pioneer Bank does not sell customer personal information for monetary consideration. Information may be disclosed to service providers, financial partners, government authorities or other parties when necessary to provide banking services, complete transactions, protect against fraud, comply with law or conduct permitted business activities.

Retention of Personal Information

Pioneer Bank retains personal information for as long as reasonably necessary for the purpose for which it was collected and as required by applicable banking, financial, regulatory, legal and recordkeeping requirements.

Retention periods may vary based on the type of information, the products or services involved, the customer's relationship with Pioneer Bank and applicable legal requirements.

California Privacy Rights

California residents may have certain rights concerning their personal information under applicable California privacy laws. Depending upon the circumstances and applicable exemptions, these rights may include requesting information about personal information collected, requesting access to or correction of information, requesting deletion of certain information, and receiving information about how personal information is used or disclosed.

To exercise an applicable California privacy right, contact us to submit a California Privacy Request.