|Peoples Independent Bank
Click here to print
Independent Bank recognizes the importance our customers place on the privacy
and security of their personal information.
Our goal is to protect your personal information in every way that we
interact with you, whether it's on the telephone, in our lobby, at one of our
ATMs, or on the Internet.
think it is important for you to be informed of the policies, procedures, and
security measures we have in place to safeguard your personal and confidential
information. With that in mind, we have developed this policy to help you to
understand the steps we take to protect your personal information when you
utilize our Internet services.
institution may utilize the services of third party providers to assist us in
providing online services, such as website hosting, Internet banking, bill
payment, and aggregation services. These third party providers are referred to
within this policy as “service providers”.
Collected on the Internet
you are just browsing through our website, we do not request any personally
identifiable information, nor do we collect unique identifying information about
you unless you voluntarily and knowingly provide us that information, such as
when you send us an email or complete an application online. If you provide us
this information, it is only used internally and in furtherance of the purpose
for which it was provided.
As part of providing online financial products or services, we may obtain information about our customers and website visitors from the following sources:
Information we receive from you on applications, emails, or other forms;
Information you provide when you choose to customize our website;
Information about your transactions with this institution and our affiliates;
Information we receive from a consumer-reporting agency; and
Information that is generated electronically when you visit our website; and
Information that is generated electronically when you use our Internet banking services.
providers hosting our website and our Internet banking service may collect
general information on our website visitors simply to help us provide banking
and other financial services to you online. They collect the following
information on our behalf for security and statistical purposes:
The Internet address (referral site) which brought you to our web site;
The name and version of your web browser;
The Internet service provider you used when you accessed our site;
Your Internet Protocol (IP) address; and
The pages visited in our website.
banking product. Additionally, cookies may be used for customization and
personalization of our website.
information about IP addresses and cookies are provided below.
Protocol (IP) Addresses
IP address is a number that is automatically assigned to your computer whenever
you are on the Internet. Web servers, the computers that "serve up" web
pages, automatically identify your computer by its IP address. When collecting
information for us, our service provider does not link IP addresses to anything
personally identifiable; however, this Institution and its service providers may
use IP addresses to audit the use of our site. We can and will use IP addresses to identify users when
necessary for security purposes.
is a Cookie?
cookie is a very small text file sent by a web server and stored on your hard
drive, your computer’s memory, or in your browser so that it can be read back
later. Cookies are a basic way for a server to identify the computer you
happen to be using at the time. Cookies are used for many things from
personalizing start up pages to facilitating online purchases. Cookies
help sites recognize return visitors and they perform a very important function
in secure Internet banking.
product and to facilitate the customization and personalization of our website.
For your security, our service provider does not store any personally
identifiable information in cookies which are further described below.
Internet banking product uses encrypted cookies that do not pass to your
computer’s hard drive. Instead,
the cookie is stored in your computer’s memory, identifying only your computer
while you are logged on. Only our
service provider can read the information in these cookies. The Internet banking
cookie facilitates the processing of multiple transactions during a session
without requiring you to reenter your passcode for each individual transaction.
The cookies for Internet banking simply provide another level of security for
our Internet banking product. When you log off, or close your browser, the
cookie is destroyed. A new cookie is used for each session. That way, no one can
use the prior cookie to access your account. For additional security, the cookie
expires after 10 minutes of inactivity. It must then be renewed by reentering
your passcode. We do not (and cannot) use this cookie to collect or obtain new
personal information about you. You
must allow your browser to accept this cookie so you can use the Internet
When you register on our
website and select the “Remember Me” checkbox, our service provider sends a
cookie to your hard drive, which enables you to customize the website and bypass
the login process each time you revisit. These cookies are retained on your
computer until you either delete them or click on the logout link within the
website. These cookies only contain a unique user identification number and do
not contain or collect any personally identifiable information.
When registered users login
to the website, our service provider may also send cookies called
“per-session" cookies or "server-side" cookies. These cookies
reside in the browser and are only used to monitor the session by a unique
identification number. These cookies are used for security purposes and you must
allow your browser to accept these cookies in order to use the website. These
cookies are destroyed after eight hours.
When you click on
advertisements in our website or advertisements on linked 3rd party web sites,
you may receive another cookie. You
do not have to accept these cookies to visit the website.
of Information Collected
We do not
disclose any non-public personal information about our customers, former
customers, website visitors to anyone, except as permitted or required by law.
to provide online services such as: Internet banking and bill payment, we must
disclose certain customer account information to our service providers.
do not sell any of your personal information.
will not disclose any medical information that you provide to us, unless you
specifically authorize its disclosure.
may send you email notices for certain required disclosures if you agree to
accept electronic disclosures and/or online account statements. If you have
agreed to accept disclosures electronically, we may send you an email with
updates to this policy and/or we may send you an email at least annually to
For more information on how to enroll for electronic disclosures, please
contact us at (256) 593-8844.
may also send you emails marketing our products and services. We will always
provide you an opportunity to opt-in or opt-out of email advertising promotions
as required by law.
you send us an email, please do not include any non-public personal or sensitive
information, as email messages may not be secure and/or confidential. We
offer secure messaging through our Internet Banking service.
You should use the secure messaging service anytime you send us sensitive
3rd Party Links
Our website may include
numerous links to other 3rd party sites. These
links to external third parties are offered as a courtesy and a convenience to
our customers. When you visit these
sites, you will leave our website and will be redirected to another site.
This financial institution
does not control linked 3rd party sites. We are not an agent for these
third parties nor do we endorse or guarantee their products. We make no
representation or warranty regarding the accuracy of the information contained
in the linked sites. We suggest that you always verify the information
obtained from linked websites before acting upon this information. Also,
please be aware that the security and privacy policies on these sites may be
different from our policies, so please read third party privacy and security
While using our website, you
may still see our logo when visiting other 3rd party sites.
A technique called “Framing” allows us to display our logo and look
and feel while allowing you to browse another site at the same time. It’s
important to note that while you may still see our logo and frame, any
information you provide to a 3rd party is not covered by our privacy
or security policies.
you have questions or concerns about the privacy policies and practices of
linked third parties, please review their websites and contact them directly. This
Institution and its service providers have developed strict policies and
procedures to safeguard your personal information. We restrict employee access
to your sensitive personal information on a "need to know" basis. We
maintain physical, electronic, and procedural safeguards that comply with
federal regulations to guard your nonpublic personal information. We educate our
employees about the importance of confidentiality and customer privacy.
We take appropriate disciplinary measures to enforce employee privacy
Internet banking service provider, has developed a top-of-the line security
system to ensure your customer information is protected on the Internet and
within the data center environment.
financial institution respects the privacy of children.
We do not knowingly collect names, emails addresses, or any other
personally identifiable information from children.
We do not knowingly market to children, nor do allow children under 18 to
open online accounts.
website may include linked 3rd party sites that would be of interest
to children. We are not responsible
for the privacy and security practices of these sites. Parents should review the privacy policies of these sites
closely before allowing children to provide any personally identifiable
The effective date of our policy will always be clearly displayed. If we
make any changes regarding the use or disclosure of your personal information,
we will provide you prior notice and the opportunity to opt-out of such
disclosure if required by law.
practices, please contact us at (256) 593-8844 or firstname.lastname@example.org.