Privacy Policy Information

Rev. August 2017

California Consumer Privacy Act Notice

This Privacy Notice for California Residents is provided by Pinnacle Bank, a Tennessee Bank, and its subsidiaries and affiliates, including Pinnacle Financial Partners ("we" or "us") pursuant to the California Consumer Privacy Act of  2018 ("CCPA") and supplements the information contained in Pinnacle Bank’s Privacy Notice. 

This notice applies solely to consumers who reside in the State of California ("consumers" or "you"), and to "personal information" as defined in the CCPA. However, as used in this notice, the term "personal information" does not include, and this notice does not apply to: 

• Personal information that we collect, process, sell, or disclose pursuant to the federal Gramm-Leach-Bliley Act, and implementing regulations, or the California Financial Information Privacy Act (Division 1.4 (commencing with Section 4050) of the Financial Code);
  
• Publicly available information from government records;
  
• De-identified or aggregated consumer information; or
  
• Other information excluded from the CCPA's scope, including:
  

• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
• Personal information covered by other sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA) and the Driver's Privacy Protection Act of 1994.

Personal Information We Collect

The table below describes the categories of personal information we may have collected from consumers within the last twelve (12) months:

• Deletion Request Rights

  Subject to certain exceptions, you have the right to request that we delete the personal information that we collected about you. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

  We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those  responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended functionality.
  4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise  another right provided for by law.
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
  6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
  7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship  with us.
  8. Comply with a legal obligation.
  9. Make other internal and lawful uses of that information that are compatible with the context in which you   provided it.

  Exercising Access, Data Portability, and Deletion Rights

  To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

  •  Calling us at 1-800-264-3613
  • Visiting https://www.pnfp.com/contact-us/ and select the “Email Us” tab. In the web-form dropdown menu, choose "Privacy” for your subject line. In your message, you must include your telephone number for us to process your request.

  Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer   request on behalf of your minor child.

  • You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The  verifiable consumer request must
    
    •  Provide sufficient information that allows us to reasonably verify you are the person about whom we collected   personal information or an authorized representative.
    •  Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

    Making a verifiable consumer request does not require you to create an account with us.

   

  We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response Format

We will deliver our written response by mail or electronically, to you at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The  response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision, and we reserve the right to either refuse to act on your request or charge you a reasonable fee to complete your request if it is excessive, repetitive, or manifestly unfounded.

Non-Discrimination

You have a right to not receive discriminatory treatment for exercising your CCPA rights. Except to the extent permitted by CCPA, we will not discriminate against you for exercising any of your CCPA rights, including by:

• Denying you goods or services;
• Charging you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing other similar penalties;
• Providing you a different level or quality of goods or services; or
• ·Suggesting that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice's date.

Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.