NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:
• All of our consumer customers who have a continuing relationship with us, such as:
- Deposit account
- Loan account
- Safe deposit box
- Self-directed Individual Retirement Account where we act as custodian or trustee
- Home Mortgage Account
We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
We first define some terms.
We, our, and us, when used in this notice, mean Intregity Bank Plus.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a company that is not an affiliate of ours.
THE INFORMATION WE COLLECT
We collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND AFFILIATES
We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:
Transaction and experience information from our account records:
• Information about your transactions and experience with us, such as
- Account balances
- Types of accounts
- Social security number
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
Types of Affiliates
We may disclose nonpublic personal information about you to the following types of affilaites:
• Financial service providers, such as
- Insurance agents
Reasons For Disclosure
Here is why we may disclose nonpublic personal information about you to our affiliates:
• To provide our customers with infomation about additional products and services
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers, except as permitted by law.
Browsing our Site
When you visit our website to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. To evaluate the usefulness of our site, we may gather and analyze data regarding usage such as:
• The name of your Internet Service Provider,
• The website that referred you to us (if any),
• The date and time the pages were accessed, and
• The page or pages you requested.
How We Handle E-Mail
When you send us an e-mail to comment on something or to ask a question, we will use your e-mail address to reply to you and for a limited time we will store your e-mail address, your message and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your e-mail address in this manner, we won't use it to let you know about our products and services unless you have given us permission.
This information is not given or sold to any other organization.
Regular non-encrypted Internet e-mail is not secure. In the instances where our Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. E-mail you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you not send us confidential information such as social security or account numbers via unsecured email. You may also contact us by phone, U.S. mail or by visiting your nearest banking center.
On-Line Banking Security
When you bank online with us, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you.
We use state-of-the-art Internet technology, supported by the outside companies we work with, to make internet banking secure and to protect your personal information. We also require an I.D. and password or PIN to access your accounts. If you do not provide this information, we cannot establish an internet banking service for you.
You can also help safeguard your personal information by taking a few simple precautions. Protect your account, PIN, and customer access numbers. Do not share your I.D. or password with anyone, change your password regularly, and remember to sign off. Never disclose confidential information to unknown callers. When banking on the Internet, be sure to use a secure browser and current virus detection software, and never open e-mail from unknown sources.
Protecting your privacy online
Whenever we ask for personal information on our web site, we use Secure Socket Layer (SSL technology) for transferring data. This technology encrypts - or scrambles - your account information so it's virtually impossible to read by anyone other than employees at our Bank.
Secure Socket Layer (SSL) technology secretly encodes information that is being sent over the Internet between your computer and our Bank, helping to ensure that the information remains confidential.
The use of SSL requires that you have an SSL compatible browser. While older browser versions may support SSL sessions, we strongly recommends the following browsers.
• Windows and Unix operating systems: Netscape Navigator 4.08 of later, Netscape Communicator 4.7 or later and Microsoft Internet Explorer 4.01 or later.
• Macintosh: Netscape Navigator 4.08 or later, Netscape Communicator 4.7 or later and Microsoft Internet Explorer 4.5 or later.
You can download the latest version from either of the links below.
Microsoft Internet Explorer
PROTECTING YOUR CHILDREN
Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.
UNITED STATES PATRIOT ACT
Customer Identification Program
When our country was attacked on September 11, 2001 our lives were forever changed. In an effort to protect you and our country, the USA PATRIOT Act was signed into law.
To help our government prevent the funding of terrorism, money laundering activities and various forms of fraud such as identity theft, the Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person who opens a new account or requests a loan.
What does this mean to you?
• When you open an account, we will ask you for your name, address, date of birth, taxpayer identification number and other information that will allow us to identify you.
• We may also ask to see your driver's license or other identifying documents.
In some cases, identifications may be requested from existing customers of Integrity Bank Plus if the original documentation was not obtained when the account was opened. Protection of our customer's identity and confidentiality is our bank's pledge to you.
We proudly support all efforts to protect and maintain the security of our customers and our country. We appreciate your cooperation in our compliance with the Federal law. If you have any questions regarding the USA PATRIOT Act please contact us.