Privacy Policy
At i-bank, we believe the confidentiality and protection of consumer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust.
This privacy policy has been compiled to give you a clear understanding of how we collect, use, protect or otherwise handle your personally identifiable information in accordance with our website.
Personal Information We Collect
We collect information from you when you register on our site, fill out a form, provide us with feedback on our products and services, use our chat feature, or enter information on our site through other online fields, including your name, email address, mailing address, phone number, social security number, or other details to help you with your experience.
How We Use Your Information
- To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested
- To improve our website in order to better serve you
- To allow us to better serve you in responding to your customer service requests
- To send periodic emails regarding products and services
- To follow up with you after correspondence (live chat, email or phone inquiries)
How We Share Your Information
Please see i-bank’s Privacy Notice for Customers for information on how personal information may be shared and how you may be able to limit certain types of sharing .
How We Protect Your Information
The privacy of the communications between you (your browser) and our servers is ensured using cryptography. Cryptography scrambles messages exchanged between your browser and our online banking server. Encryption happens as follows: When you go to the sign-on page for online banking, your browser establishes a secure session with our server. The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session and are only known between your browser and our server. After the keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server. Both sides require the keys, because they need to de-scramble (decrypt) the messages when they are received. The SSL protocol, not only ensures privacy, but also ensures that no other browser can “impersonate” your browser, nor alter any of the information sent. You can tell whether your browser is in secure mode by looking for the secured lock symbol at the bottom of your browser window.
Other Information We Collect
We, and our third party providers, may collect and use information about you that cannot be used to identify you, such as browser information, your Internet Protocol (IP) address, information collected through tracking technologies (such as cookies, flash objects, web beacons (including pixel tags and other similar technologies)), the date and time you access our website, the referral site that brought you to our website, the pages you visit in our website, and demographic information you might provide.
How We Use and Share Non-personal Information
We use non-personal information to:
- Understand and save users’ preferences for future visits
- Keep track of advertisements
- Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future.
We may also use trusted third-party services that track this information on our behalf.
Cookies and Advertising
i-bank uses third party cookies, web beacons, and similar technologies to collect or receive information on our website and other Internet platforms. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interactions, so that we can offer better site experiences and tools in the future. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since each browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies. If you turn cookies off, some of the features that make your site experience more efficient may not function properly.
Through the use of cookies, web beacons, and other similar technologies, Independent Bank and its advertising partners may collect anonymized information from visitors to our website, such as date and time of visit, IP addresses, pages visited, browser versions, device type, etc. This information is used for analytics, measuring advertising effectiveness, and troubleshooting purposes.
We may use third-party advertising service providers to distribute advertisements on our behalf on other websites. These advertisements may contain tracking technologies so that we may track the effectiveness of our advertising.
Online Behavioral Advertising
We may work with third-party advertising service providers to deliver targeted advertisements based on your activities on our sites, including pages visited, to help determine which ads would be of interest to you. Our online behavioral advertising will utilize the AdChoices icon, which will give you the ability to opt-out of receiving such advertisements in the future. If you choose to opt-out, you may still receive other non-targeted, online advertisements from us.
Third-party Disclosure
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information, unless we provide you with advance notice. This does not include website hosting partners and other parties, who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Third-Party Links
Occasionally, at our discretion, we may offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
Social Media Sites
Independent Bank may engage on social media platforms like Facebook®, Twitter®, and LinkedIn® that allow sharing and collaboration among users. Any content you post on an official Independent Bank social media page is subject to the Terms of Use and Privacy Policy of that particular platform. Also, when visiting any Independent Bank social media page, you are subject to any Independent Bank Privacy Notices, Social Media User Terms and Guidelines.
Children
We comply with the Children’s Online Privacy Protection Act (COPPA), and we do not knowingly market or collect information from children under the age of 13.
Updates to This Privacy Policy
This Online Privacy Policy is subject to change, and so accordingly, you should review it periodically. If we make changes, we will revise the “Last Updated” date at the top of this policy. Any changes to this Policy will become effective when we post the revised Policy on the site. Your use of the site following these changes means that you accept the terms of the revise Policy.