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 Companys 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.