Privacy Policy

Overview
At Independence Bank, respecting the privacy and security of your personal information is important to us. This notice summarizes our Online Privacy Policy and how we fulfill our commitment to protect your personal information. We want you to understand what information we collect and how we use it in connection with your use of our site. In addition, we want you to know how we keep your personal information secure. Because you trust us with your financial and other personal information, we respect your privacy and take strong action to safeguard that information, including your online sessions. Independence Bank family of financial service providers pledges to protect your privacy online by adhering to the practices described below.

  1. Our Commitment
  2. Information We Collect
  3. Cookies
  4. E-Mail
  5. Information We May Share
  6. Children
  7. Safeguarding Your Information


This privacy notice applies only to individuals who obtain a financial product or service from Independence Bank primarily for consumer (personal, family or household) purposes. We may revise this notice at any time, and will notify you if then required by law.

Definitions
"We," "Our," and "Us" refer to Independence Bank. "You" and "your" refer to our customers (including former customers) who seek or obtain financial products or services for personal, family or household purposes. "Affiliate" means 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. "Nonaffiliated Third Party" means a person who we do not employ or a company that is not our affiliate. "Nonpublic Personal Information" means personally identifiable financial information you provide to us in connection with your use of our site. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will also use the term "Personal Information" to mean nonpublic personal information as defined below in this Online Privacy Policy.

Information We Collect
We collect personal information about you from the following:

  1. Information we receive from you on application or on other forms including online forms.
  2. Information about your transactions with us, our affiliates, or others; and
  3. Information we receive from third parties such as consumer reporting agencies.


Cookies
Independence Bank web sites use temporary session cookies to assist us in securing your online activities and to enhance the performance of the site. The cookie stores a session ID that allows the site to recognize that a page request came from someone who has logged in. Once you leave the site, the temporary cookie expires and is deleted from your computer. We also use cookies to examine overall traffic flow to ensure the site is easy to use. We examine group activity and do not watch individual's browsing patterns. Independence Bank web sites use persistent cookies to collect and store personal choices that you request. This allows you to see unique information such as stock quotes that you have requested. While your browser may allow you to "reject" cookies, our web site requires that you accept all cookies in order for the Web Site features and security mechanism to function fully.

E-Mail
We collect and keep the contents of e-mail you send us in addition to your contact address and response. This enables us to respond to your requests and questions. E-Mail to us should be used for inquiries that are not sensitive or confidential as regular, non-encrypted Internet e-mail (the e-mail we use on most of the site) is not secure. If we need information beyond your name, address, e-mail address and phone number, we may contact you for further instruction, occasionally, we may contact you via e-mail to inform you of changes or updates to our site. We will not direct market you by e-mail unless you indicated you would like to receive information from us.

Information We May Share
We may disclose personal information about our customer or former customers to our corporate family and to third parties as permitted by law. As to third parties, this may include disclosing information to assist in servicing and processing your loan or deposit account, in response to subpoenas, to credit bureaus and others. We may also disclose all of the personal information we collect, as described above, to third parties that perform marketing services on our behalf. We require these third parties to use the information only for the purposes for which we disclose it, and as permitted by law.

Federal law allows us to disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opts out of the disclosure of this information.

Children
Independence Bank feels that it is extremely important to guard the identity and privacy of children, and we encourage parents to supervise their interactions online. We do not intentionally market to or solicit personal information from children under the age of 13.

In the event that we receive personal information from a child whom we know to be under 13, we will only use that information to respond directly to that child or seek personal consent.

For more information on the Children's Online Privacy Policy Protection Act (COPPA), you can visit the Federal Trade Commission site at www.ftc.gov.

Safeguarding Your Information
We restrict access to non-public personal information about you to persons with a legitimate business need to know that information to offer products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your information. Our employees are bound by a code of ethics requiring confidential treatment of Customer and Consumer information and may be subject to disciplinary action if they fail to follow this code.

If you wish to make changes to your personal information because it is incorrect, inaccurate or have changes, please call us at 888-414-0500 or 949-266-6000. You can also write us at:

Independence Bank
4525 MacArthur Blvd.
Newport Beach, California 92660

Independence Bank reserves the right to change our Privacy Disclosure; you may check the effective date below to determine whether there have been changes since the last time you reviewed the policy

June, 2010

Privacy Notice

 

Independence Bank Privacy Notice