IBC Bank Privacy Statement

Enhanced Security Program

The increased use of online banking and financial services and the surge of identity theft have prompted Federal regulators to mandate security enhancements for internet-based financial services for all financial institutions. We want to keep your information safe and secure, so these security enhancements continue to be a top priority for us. These changes are designed to validate authorized users for your account and thus help provide even greater security for your financial information. For Internet-based financial products and services, single-factor authentication - such as User ID and Password provided at login - may be insufficient as the only validation for identity. Therefore, we will ask for additional information to be used intermittently when logging into your account.

FAQ

• Why is IBC requesting this additional information? In keeping with the Federal regulator's mandate, we will request additional information which will be stored in IBC Bank Online for future use in helping to confirm your identity. Beginning soon, after you log in to IBC Bank Online using your usual User ID and Password, you will be greeted with a new security page. This page will prompt you to select and provide answers to several security questions.

Remember, It is not IBC Bank's practice to share your name with any contacts outside our firm in a manner inconsistent with our Privacy Policy.

Our Core Beliefs Regarding User Privacy And Data Protection

• User privacy and data protection are a necessity and our duty
• We have the duty of protecting personal data
• Data is a liability, it should only be collected and processed when absolutely necessary
• We loathe spam as much as you do!
• We will never sell, rent or distribute your personal data
• We will not make your personal information public without your consent. Your personal information (name) will be made public only if you wish to make a comment or review on the website.

Relevant Legislation
Along with our business and internal computer systems, this website is designed to comply with the following national and international legislation with regards to data protection and user privacy:

• EU General Data Protection Regulation 2018 (GDPR)
• California Consumer Privacy Act 2018 (CCPA)

What Personal Information we collect and Why
Here we describe what information is collected and reasons for collecting it. The categories of information collected are as follows:

Site visit trackers
Like most websites, this site uses Google Analytics (GA) to track user interaction. We use this data to determine the number of people using our site, to better understand how they find and use our web pages and to track their journey through the website.

Although GA records data such as your geographical location, device, internet browser and operating system, none of this information personally identifies you to us. GA also records your computer's IP address, which could be used to personally identify you, but Google does not grant us access to this. We consider Google to be a third-party data processor (see section below).

GA makes use of cookies, details of which can be found on Google's developer guides. Our website uses the analytics.js implementation of GA. Disabling cookies on your internet browser will stop GA from tracking any part of your visit to pages within this website.

In addition to Google Analytics, this website may collect information (held in the public domain) attributed to the IP address of the computer or device that is being used to access it.

Reviews and Comments
Should you choose to add a comment or review on our site, the name and email address you enter with your comment will be saved to this website's database, along with your computer's IP address and the time and date that you submitted the comment. This information is only used to identify you as a contributor to the comment section of the respective blog post and is not passed on to any of the third-party data processors detailed below. Only your name and email address that you supplied will be shown on the public-facing website.
Your comments and the associated personal data will remain on this site until we see fit to either

• Remove the comment or
• Remove the blog post.

NOTE: You should avoid entering personally identifiable information to the actual comment field of any blog post comments that you submit on this website.

Forms and Email Newsletter submissions on the website
If you choose to subscribe to our email newsletter or submit a form on our website, the email address that you submit to us will be forwarded to a third-party marketing platform service company. Your email address will remain within their database for as long as we continue to use the third-party marketing company's services for the sole purpose of email marketing or until you specifically request removal from the list.
You can do this by unsubscribing using the unsubscribe links contained in any email newsletters that we send you or by requesting removal via email. When requesting removal via email, please send your email to us using the email account that is subscribed to the mailing list.
Listed below are the pieces of information that we may collect as part of servicing requests on our website:

• Name
• Gender
• Email ID
• Phone
• Mobile
• Address
• City
• State
• Postal Code
• Country
• IP Address

We do not sell your personal information to third parties. We may share limited amount of data with listed Third-Party data processors only towards servicing your requests or improving our offering.