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PRIVACY POLICY |
At Insignia Bank (the Bank), the trust of our customers is
our highest priority. The following Privacy Policy notice outlines how we use
and protect the Bank’s customer information.
Bank Security Procedures
Employee access to nonpublic personal information is limited to only those
individuals who are actively engaged in providing a service or product you
have requested. The Bank maintains physical, electronic, and procedural safeguards
that comply with federal regulations to guard nonpublic personal information.
Nonpublic personal information is information that is obtained 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.
Categories of Information that Insignia Bank Collects:
Insignia Bank collects nonpublic personal information about you from the following
sources:
The Bank is permitted to share information
within the Insignia Bank organization concerning a customer’s account history
and experiences. Under certain circumstances
the Bank may disclose nonpublic personal information to "nonaffiliated
third parties" (i.e., third parties that are not members of our corporate
family). For example, the Bank may disclose nonpublic personal information
to such third parties that assist the Bank in servicing your loan or account.
Examples of these third parties include, but are not limited to, check-printing
companies, insurance companies, securities broker / dealers, government entities
in response to subpoenas, software and hardware servicing, data processing
companies, and credit bureaus. Because the Bank does not disclose any nonpublic
personal information to third parties, except as listed above or permitted
by law, there are no “opt-out” instructions.
Internet Privacy
Insignia Bank has implemented technology to help assure that any sensitive
personal information you provide us or any account information you receive
on line at the Bank’s website is done in a safe and secure manner. Additionally,
we have implemented procedures to help assure that only authorized employees
of Insignia Bank may view the information that you share with us. This is
accomplished by limiting access to that information to only those employees
having a legitimate business purpose for viewing or responding to your information
or inquiries.
Unlike the personal information you provide us, the information we gather
in the public area of our website is general information. This general information
may come from “cookies”. Cookies are messages a web server (the bank’s server)
gives to a browser (a user’s computer). The message contains information that
is then stored on the customer computer and sent back to the server when the
customer’s browser requests pages from the server. We use this information
to determine which parts of our web site are most useful and popular and how
we can improve service to our customers. Cookies can only be read by the server
that has sent the cookie to the browser and they cannot be used to retrieve
any information from the customer’s computer that has not been given directly
by the customer’s server. Computer viruses cannot be transmitted through cookies.
Although customers can disallow cookies, certain services provided by the Bank
require cookies for effective delivery. If the customer does allow cookies,
Insignia will at all times treat the information supplied through cookies with
the same security and privacy protection as any other customer information
it may receive.
E-Mail Security Information
Also included in the web site is the capability to correspond with Insignia
Bank by e-mail. This activity may involve sharing some personal information
about you with the Bank. We do collect the e-mail addresses of those who
correspond with us.
E-mail is not a secure transmission route. Therefore, we ask that you never
send sensitive personal information like Social Security numbers, Account numbers,
Credit Card numbers or any type of password via e-mail to Insignia Bank or
anyone else. Please use the telephone numbers provided when submitting this
type of information.
If you decide to close your account(s) or become an inactive customer, the
bank will continue to adhere to the privacy policies and practices described
in this notice.
Insignia Bank highly values its customers’ privacy. If you have any questions
concerning confidentiality of information contained in Bank files, please call
(941) 366-7100.