Maintaining the privacy of your personal information always has been, is and will be of paramount importance at Indiana Bank & Trust Company. We take great pride in our adherence to the old-fashioned virtue of customer confidentiality. We value your business and the trust you put in Indiana Bank & Trust Company. To offer you the financial products and services you seek, we collect, maintain and use information about you on a routine basis. To help you better understand how your personal information is protected at Indiana Bank & Trust Company, we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information. In the event you terminate your customer relationship with us, or your account becomes inactive, we will continue to protect the confidentiality of your nonpublic personal information.
Information We Collect
As a trusted financial institution, we collect, retain and use nonpublic personal information about individual customers, as allowed by law, to provide products and services to our customers. We may collect nonpublic personal information about you from the following sources:
- applications or other forms;
- information about your transactions with us, our affiliates, or others; and
- information we receive from consumer reporting agencies.
Information We Share
We may disclose nonpublic personal information about you to our affiliates and other nonaffiliated third parties under certain circumstances to provide account services. We do not disclose any nonpublic personal information about you to anyone, except as permitted under law, including:
- financial service providers, such as ATM networks, core processors, check printers, mortgage investors, online banking, insurance companies.
- non-financial companies, such as direct marketers, flood determining agencies, appraisers.
- legal proceedings such as subpoena, investigation of fraudulent activity.
- bank regulators.
- credit bureaus.
Who Receives Information and Why
We do not disclose any nonpublic personal information about our customers, or former customers, to anyone, except as permitted by law. We may exchange such information with our affiliates and nonaffiliated third parties under limited circumstances to the extent permissible under law:
- to service your account
- offer you products or services we believe you may find valuable
- report to credit bureaus
- manage risk
- conduct other financial services related activities.
Service Providers and Joint Marketing Partners
To provide you with products or services that we believe may meet your financial needs, we may exchange limited nonpublic personal information about you with nonaffiliated firms that conduct services on our behalf or with other financial institutions in order to offer financial products and services pursuant to a joint agreement. Such information exchange includes:
- information we receive from you on applications or other forms such as your name, address, and telephone number.
- information about your transactions with us, our affiliates, or others, such as your account type and account number.
- information we receive from a consumer reporting agency, such as your credit history.
How We Protect Your Information
We understand that the protection of your nonpublic personal information is of the utmost importance. Guarding your privacy is our obligation. Indiana Bank & Trust Company maintains strict procedures and policies to safeguard your privacy. We restrict employee access to customer information to those who have a business reason to know such information, and we educate our employees about the importance of confidentiality and customer privacy. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
For Additional Information
If you have questions concerning our Personal Information Privacy Protection Policy, please call us toll free at 877-626-7000 or visit your nearest Indiana Bank & Trust Company office.
