Monday, September 01, 2014

Privacy Policy

  Online Privacy Policy

Effective May 6, 2014.

 
International City Bank (ICB) is committed to protecting your privacy online.  We understand how important it is that you are aware of what will happen to the personal information we collect from you.  This Online Privacy Policy explains how we collect, use and share information we gather from or about you online when you visit our website.  Our commitment to protect your information and your privacy extends to your online banking.  While our privacy policies are the same whether you are online or not, we have extra measures in place to protect your privacy when you bank online with us.  This notice applies to customers, former customers and visitors to our website.
Browsing Our Website.  As you browse our website, ICB may gather certain data that is not personally identifiable to you.   We may note the IP Address in order to track the number of people who visit the site and the pages visited in order to evaluate the usefulness of our sites.  We do not collect any information about you as an individual.
Using Services.  When you request an online application for one of our financial products or services, or ask to review your accounts, our website will request information via an online form.  This information allows you to perform certain tasks (for example, review your accounts) and allows us to provide the information you requested.  In these cases, we collect only the information necessary to interact with you.
About “cookies”.  To provide better service and a more effective web site, we use cookies as part of our interaction with your browser.  A cookie is a small text file placed on your hard drive by our web page server.  These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address.
Cookies are commonly used on web sites and do not harm your system.  By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted.  We use cookies to determine if you have previously visited our web site and for a number of administrative purposes.
Collecting Information.  When you visit our website, we may collect the following information in order to service your accounts, save you time and money and better respond to your needs:
  • Information we receive from you on applications or other forms.  This may include your full name, home and email addresses, telephone number, social security number or taxpayer identification number, date of birth and account number(s).
  • Information about your online transactions and account experience, as well as information about our online communications with you.  An example would be information related to your bill payments and account transfer activity.
How We May Share Information.  ICB does not share nonpublic personal information among affiliated companies requiring an opt-out nor does it share with nonaffiliated third parties requiring an affirmative consent from a consumer.
ICB may share Customer Information we collect from you online with nonaffiliated companies that act on our behalf.  These nonaffiliated companies are contractually obligated to keep the information we provide to them confidential and to use the Customer Information we share only to provide the services we ask them to perform.  These companies may include financial service providers such as payment processing companies, and non-financial companies such as check printing and data processing companies.
Personal information might be needed or requested from you so you can register for banking or other services, or to fill out forms or applications for services (such as online banking) or to accomplish transactions you request (such as bill payment or other banking services).  This may result in sharing of Personal Information with third parties (such as data processors or service bureaus) as part of servicing your accounts or transactions.
Information Sharing with Nonaffiliated Third Parties as Permitted By Law.  We are permitted by law to share all the information we collect about you online to credit bureaus and similar organizations and when required or permitted by law.  For example, Customer Information may be disclosed in connection with a subpoena or similar legal process, fraud prevention or investigation, risk management and security, and the recording of deeds of trust and mortgages in public records.
How We Handle E-Mail.  Included in our web site is the capability for you to correspond with us via e-mail.  Internet e-mail is not secured.  This correspondence, via e-mail, should be for the purpose of asking general questions of a non-sensitive and non-confidential nature.  Do not provide sensitive or confidential information (for example, your account number) via e-mail.  ICB will collect the e-mail addresses of those who correspond with us via e-mail and any information that is provided to us.
We work to ensure privacy and security during your online sessions.  The information you provide to us online is protected by Secure Socket Layer (SSL).  SSL is the leading security protocol for data transfer on the Internet.  This technology encrypts your account information as it moves between your PC’s browser and ICB’s computer systems.  When information is encrypted, it becomes nearly impossible for anyone other than ICB to read it.  This secure session helps protect the safety and confidentiality of your information when you bank with us online.
Aggregation Sites.  Please use caution when using aggregation sites.  Aggregation sites are Internet sites that offer the ability to collect all of your personal information on one site.  For example, you may be encouraged to provide aggregation sites with your personal finance information.  Never provide this information to a site that you do not recognize and fully trust.
YOU SHOULD KNOW:  All transactions initiated by an aggregation site using access information you provide may be considered authorized by you, whether or not you were aware of the specific transaction.  If you chose to deny access to your aggregation site you may notify us, and we will reset your passcode.
Our Commitment to Your Privacy.  You can count on ICB to keep you informed about how we protect your privacy and limit the sharing of information you provide to us whether it is at a branch office, over the phone or through the Internet.
Making Sure Information is Accurate.  Keeping your account information accurate and up-to-date is very important.  You should routinely review and reconcile your account statements and safeguard and protect your account records and other information pertaining to your relationship with ICB.  If you become aware of incorrect information in our records, please call us at (562) 436-9800 or click here to get a list of our branch locations.
Protecting Children’s Privacy Online.  Our website is not directed to children under 13.  We do not knowingly solicit data or market to children under 13.  We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.
Links to Other Websites.  We may provide links to non-ICB websites, such as community organizations.  If you follow links to websites not controlled by ICB, you should review their privacy policies and other terms, as they may be different from those of our website.  ICB does not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness, reliability or suitability of their information.
Changes to the Online Privacy Policy.  This Online Privacy Policy is subject to change.  If we make changes to the Online Privacy Policy, we will post the revised policy on our website with a link on our home page.  In addition, the effective date at the top of this policy will be revised in conjunction with any material updates performed.  Any changes will become effective when we post the revised policy on our website.  Your continued use of our website or any online service following these changes will constitute your agreement to any changes.
 Annual Privacy Notice

FACTS

WHAT DOES INTERNATIONAL CITY BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Account Balances
  • Transaction or loss history
  • Credit history
  • Overdraft history
  • Checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons International City Bank chooses to share; and whether you can limit this sharing.

Reasons we can share you personal information Does International City Bank share? Can you limit this sharing?

For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No
For our marketing purposes -
to offer our products and services to you
Yes We don't share

For joint marketing with other financial companies

No We don't share

For our affiliates' everyday business purposes -
information about your transactions and experiences

No We don't share
For our affiliates' everyday business purposes -
information about your creditworthiness
No We don't share

For nonaffiliates to market to you

No We don't share

Questions?

Call 562-436-9800

Who we are

Who is providing this notice?

International City Bank

What we do

How does International City Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also restrict access to non-public personal information about you to those
employees who have a need to know such information.

How does International City Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from
    your account
  • Give us your contact information
  • Make a wire transfer

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.  See below for more information on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • International City Bank does not share with our affiliates

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • International City Bank does not share with nonaffiliates so they can market to you

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • International City Bank doesn’t jointly market

Other Important Information

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.