InsBank
Ambulo, Inc
InsBank Finance, Inc.
PRIVACY POLICY

At InsBank and at the bank's subsidiary companies, Ambulo, Inc., and InsBank Finance, Inc. (hereafter collectively referred to as the "Company"), we are committed to protecting the information you provide to us. This includes information that we receive from your online communications with us, such as your visits to our web site and your transactions through the Internet, and other electronic services we provide. We want you to know how we collect information about you and how we use it. We also want to assure you that we will always respect your privacy and the confidentiality of personal information about you. This policy will also let you know how you may request us not to share certain information and how you may correct any erroneous information we may have. This policy applies equally to active and inactive customers as well as to former customers.
 
Collection, Use, and Retention of Your Information
The Company collects, uses and retains information about you only when we reasonably believe that the information is necessary to conduct our business properly, provide excellent service to you and to offer you additional products and services. We will tell you why we collect and retain certain information upon request.

Maintaining the Accuracy of Your Information
The Company is committed to maintaining the accuracy of your information. We educate our employees and establish procedures to assure that records of your financial transactions are accurate, current and complete in accordance with reasonable industry standards. If you become aware of any inaccurate information contained in our records, you should contact us at the toll-free number (1-866-866-4265) and we will undertake to investigate any inaccuracy and to correct it as promptly as possible. You are also entitled to request a copy of your credit report from credit reporting agencies and to have credit reporting agencies investigate and correct any inaccuracies contained in their reports.

Protection and Confidentiality of Nonpublic Personal Information
The Company educates its employees about the critical importance of confidentiality and customer privacy. We take appropriate disciplinary action, if required, to enforce this responsibility among our employees. Access to customer information is only provided to those employees with a valid reason for knowing such information for us to provide products or services to you.

Categories of Nonpublic Personal Information We May Collect
When appropriate in conducting business, we may collect “nonpublic personal information” about you from a variety of sources:

• Information we receive from you on applications or other forms or visits to our Internet web site (such as Social Security number, assets, income and debts);
• Information about your transactions with us (such as account balance and payment history);
• Information (such as your creditworthiness and credit history) we may receive from consumer credit reporting agencies

“Nonpublic personal information” is information that is not available publicly and that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history. We limit our collection of information to that which we believe is necessary to conduct our business properly, provide excellent service to you and to offer you additional products and services that we believe may be of interest to you.

Restriction on the Disclosure of Account Information
The Company does not disclose nonpublic information about you to anyone, except in the performance of bona fide corporate due diligence, unless;

• You request us to do so, or
• The disclosure of your information is required or allowed by law

Restrictions that Protect Your Privacy in Third Party Business Relationships
It is sometimes necessary to provide your information to a third party such as a vendor or service provider that we engage to provide you with services. The Company insists that the third party adhere to strict guidelines for keeping your information confidential.

Privacy on Our Web Site
We appreciate that both customers and those just visiting our web sites have special concerns about the privacy of their nonpublic personal information on the Internet. The privacy policy of the Company described above applies fully to all communications and transactions between you and us on the Internet. We also want you to know we have taken steps to provide for the safety and security of your information while communicating with us on the Internet. The Company, like any web site owner, may collect and store information about the name of the domain from which you access the Internet, the date and time you access our site and the Internet address of the web site from which you linked to us. We may also collect information on visitors in the aggregate to enable us to tell which areas of the site are of the most interest to our users, which areas of site promotion are most effective, and when peak usage occurs.

E-Mail Privacy
The Company’s web sites do not require you to disclose any personal information. If, however, you elect to contact us via e-mail, please be aware that your e-mail address, and any other information your e-mail header shows about you, such as your name or business, will be visible to us in the e-mail. When you communicate with us by e-mail, we will only use your e-mail information for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are required to do so by law.
 
The Company reserves the right to change this policy at any time by issuing a new privacy policy.