Murphy Bank

Murphy Bank – California Privacy Policy (CCPA / CPRA)

Last updated: November 19, 2025

1. Introduction

This Privacy Policy applies to California residents under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). This Policy explains the categories of personal information we collect, how we use and share it, and your rights under the law.

2. Information We Collect

Over the past 12 months, we may have collected the following categories of personal information:

• Identifiers (e.g. name, address, email, phone number)
• Financial information (e.g. bank account data, loan information)
• Internet and electronic information (e.g. IP address, browser type, cookies, device information)
• Transaction and usage data (e.g. loan applications, service history)
• Other information necessary to provide our banking and loan services

3. Sources of Personal Information

We collect personal information:

• Directly from you (e.g. through applications, forms, phone or online contact)
• Automatically when you use our website or services (e.g. cookies, analytics tools)
• From third-party service providers, as required to deliver banking or loan services (e.g. credit reporting agencies)

4. Purposes for Collection and Use

We use personal information to:

• Process loan applications, account setup, and other financial services
• Provide customer support and respond to inquiries
• Comply with legal and regulatory obligations
• Maintain and improve our online services, website functionality, and security
• Communicate important account or policy information to you
• (If applicable) Conduct marketing, with your consent or opt-out right

5. Sharing, Sale, or Disclosure of Personal Information

Murphy Bank does not sell your personal information. If we share information for business purposes (e.g. with service providers, credit bureaus), we will only share what is necessary to deliver the services you request.
If at any future time we do sell or share personal information in a way regulated by CCPA/CPRA, we will provide clear notice and a mechanism for you to opt out (often via a “Do Not Sell My Personal Information” link).

6. Your Rights under CCPA/CPRA

California residents have the following rights:

• Right to Know: Request a copy of the personal information we have collected about you, and details about how it is used and disclosed.
• Right to Delete: Request deletion of personal information we hold about you (subject to certain legal exceptions).
• Right to Correct: Ask us to correct inaccurate personal information.
• Right to Limit Use and Disclosure: Limit our use or disclosure of your sensitive personal information.
• Right to Opt-Out of Sale or Sharing: If we sell or share personal information, you may opt out using our designated method (e.g. a public opt-out form or button).
• Right to Non-Discrimination: You will not be denied services, charged different fees, or receive lower quality services for exercising these rights.

7. How to Submit Requests / Contact Us

To exercise your rights under CCPA/CPRA, please contact us at:

• Email: kmcallaster@murphybank.com
• Toll-Free Phone: (877) 225-0318
• Mailing Address: 5180 N. Palm Suite 101, Fresno, CA 93704

Please specify in your request which right you are exercising (e.g. Delete, Know, Correct). Or you may complete this contact form.

8. Notice at Collection

At or before the time we collect personal information, we will provide consumers with notice explaining:

• The categories of information collected
• The purposes for which the information is collected
• Whether we sell or share the information
• The retention period for each category of information
• A link to this Privacy Policy
• A link to our “Do Not Sell My Personal Information” page

9. Updates to This Privacy Policy

We will update this policy at least once every 12 months or whenever our data practices change. The “Last Updated” date will reflect the most recent revision.