Online Privacy Statement
IBank, Inc. is committed to protecting your privacy when you use IBank Digital Services. This U.S. Online Privacy Statement ("Statement") explains how we collect, use, share, and safeguard your information when you use our Digital Services.
"IBank" Refers to IBank, Inc. a wholly owned subsidiary of IMEX USA, Inc. a Delaware Corporation, its U.S. affiliates and subsidiaries and service providers (collectively, "IBank", "IMEX USA", "we", “our").
You/Your Refers to Customers and visitors (including their agents and representatives).
Digital Services Refers to our websites, mobile applications, channels, pages, or accounts we operate on social media sites (e.g. Twitter, Facebook), and any other online interactions you may have with us.
Use of our Digital Services Refers to Visiting any Digital Services owned and controlled by us, receiving our e-mails and viewing our ads on third-party sites and other devices that link to this Statement; using our Digital Services to access your accounts, our Click-to-Chat service, conduct online transactions, etc.
When you visit our Digital Services, read our e-mails or interact with us on third-party sites, you are consenting to the terms of this Statement, except where a different online and/or mobile statement is posted indicating that it is intended to take the place of this Statement.
This policy is intended for residents of the United States and its territories. If you are not a resident of the United States or its territories, your information may be transferred or processed outside of your home country, including in the United States and its territories.
What Information We Collect
"Personal information" refers to information that identifies (whether directly or indirectly) a particular individual, such as information you provide on our forms, surveys, remote deposit capture off your device, applications or similar online fields. Examples may include your name, postal address, unique device identifier, email address, telephone number, Social Security number, date of birth or account information.
"Anonymous information" means information that cannot reasonably be used to identify a particular individual. Examples may include information about your Internet browser, IP address, information collected through tracking technologies, demographic information that you provide to us (e.g., your household income) and aggregated or de-identified data.
"Location information" means information that may be collected by certain mobile applications that identifies your physical location. This information may be collected from your mobile device's location-aware features when you request certain services that are dependent on your physical location.
"Biometric information" means information such as your fingerprint or voice that you choose to provide to us for authentication and fraud prevention purposes. We will not collect your fingerprint or voice without your permission.
How We Use Your Information
How We Share Your Information
For U.S. customers, we will use and share information that we collect from or about you in accordance with the Customer Privacy Notice for your account (see links on this page), which provides choices in the use and sharing of information.
As a global company, we may share your personal information among IBank and IMEX USA affiliated Digital Services and businesses or service providers that may be located outside your home country in order to provide you with the highest quality products and services.
We may share Anonymous or aggregated information with third parties to help deliver products, services, and content which is better tailored to the users of our Digital Services and for other purposes.
Use of Aggregation Tools Through IBank Digital Services
If you use any of our money management tools or other online aggregation services, we collect information about the accounts and relationships including registration information such as your name and e-mail address. We also collect information about the accounts designated for the money management tools, such as account balances, transactions, transaction histories, e-mail information, bills, payment history and other account activity. We will not disclose any information about you we obtain solely through money management tools to any non-affiliate, except as needed to provide our money management tools, or as required or permitted by law. We may use this information to offer you other IBank products and services that may be beneficial to you. Refer to the money management tools section of the IBank Personal Account Management Terms and Conditions for further details.
Cookies & Other Technologies
"Log files" are files that anonymously log actions that have occurred on a website. We may use log files to gather statistics about your browsing habits and to assess overall digital activity, including how many "hits" a particular web page is getting. Log files enable us to track interest in specific promotions, troubleshoot technical concerns, and provide content that may be of interest. We also use the log file entries for our internal marketing and demographic studies, so we can improve the Digital Service we provide to customers and visitors. Log files are used internally only, are anonymous, and are not associated with any particular user, device, computer, or browser.
"Web beacons" are small pieces of data that are embedded in images on the pages of our Digital Services. We also use these technical methods to analyze the traffic patterns on our websites, such as the frequency with which consumers visit various parts of our websites. These technical methods may involve the transmission of information either directly to us or to another party authorized by us to collect information on our behalf. We also use these technical methods in (HTML) emails that we send to you to determine whether the recipients have opened those emails or clicked on links in those emails. The information from these technical methods may be collected in a form that is personally identifiable.
Behavioral Advertising & Online Tracking
Information about your online activities, combined with other information, may be used to select an advertisement for a product, service, or offer that matches your interests. This advertising practice is called online behavioral advertising (OBA) or interest-based advertising. We allow you to exercise choice regarding the collection of information by third parties about your online activities over time and across third-party websites or online services for interest-based advertising purposes by going to these sites to opt-out: Network Advertising Initiative or Digital Advertising Alliance. Opting out means you will still receive online advertising but the advertising will not be tailored to your online behavior or usage.
We do not respond to web browser 'do not track' signals at this time. We await the result of work by the policy community and industry to determine when such a response is appropriate and what form it should take.
In order to develop our other Digital Services you may use, in line with customer needs, we work with third parties to track usage within our Digital Services. These third parties provide us with statistics showing which pages are visited most frequently, how long visitors spend on each page, and other and other anonymous Digital Services information. We use this information to help us plan how to improve these services.
Third Party Links
Clicking on certain links within our Digital Services may take you to other websites, or may display information on your computer screen or device from other sites, which may not be maintained by IBank or IMEX USA. Such sites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to our Digital Service. Links to other Internet services and websites are provided solely for the convenience of users. A link to any service or site is not an endorsement of any kind of the service or site, its content, or its sponsoring organization.
IBank, IMEX USA AND/OR IMEX USA GROUP MEMBERS ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEBSITE TO WHICH OUR DIGITAL SERVICES ARE LINKED (A "LINKED SITE") AND SUCH LINKED SITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY IMEX USA. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON A LINKED SITE. ALL PRODUCTS, SERVICES AND CONTENT OBTAINED FROM A LINKED SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY.
We take our responsibility to protect your information very seriously. We use physical, technical, and procedural safeguards that comply with applicable legal standards to secure your information from unauthorized access and use, alteration, and destruction.
Social Security Number/Government ID Protection Policy
IBank, in the normal course of business and as required by law, may collect Social Security numbers to help establish, maintain and service customer accounts. We implement reasonable measures to protect and limit access to these Social Security numbers, as well as prohibit their unlawful disclosure. Social Security numbers are classified as "Restricted" information under the IBank North America Information Security Risk Policy and IBank Information Classification Policy. As such, Social Security numbers may be accessed by and disclosed to IBank team members and others only with a legitimate business "need to know" in accordance with applicable laws and regulations.
IBank may provide an experience on social media platforms including, but not limited to, Facebook, Twitter, YouTube and LinkedIn that may enable online sharing and collaboration among users who have registered to use them. Please note that when visiting any official IMEX USA social media site, you are subject to this Online Privacy Statement as well as the social media platform's own terms and conditions. Refer to the IBank Social Media Terms and Conditions for more information.
Children's Online Privacy Protection Act
Our Digital Services are not directed to children. We do not knowingly solicit or collect personal information from children under the age 13, without parental consent.
Updating Your Information
If we make updates to our U.S. online privacy practices, we will update this Statement with the changes and update the "last updated" date posted at the top of the Statement. Any updates to the Statement become effective when we post the updates on this site. Your use of our Digital Services following any update to the Statement means that you accept the updated Statement and consent to the use and sharing provisions identified in the Statement.
IBank Digital Services are intended for customers and visitors in the United States. When we process personal data and information and personally identifying information in the United States, we follow United States data protection and privacy regulations.