Privacy Notice

PRIVACY NOTICE

How we protect your personal information.

FACTS WHAT DOES INDEPENDENT FINANCIAL 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
  • payment history
  • credit history
  • account transactions
  • wire transfer instructions
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 Independent Financial chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Independent Financial 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 No
For joint marketing with other financial companies Yes No
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 non-affiliates to market to you No We don't share
Questions? Call toll-free at 1-800-460-6634 or go to www.ifinancial.com 
Who We Are
Who is providing this notice? Independent Bank, DBA Independent Financial
What We Do
How does Independent Financial protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with all applicable laws. These measures include computer safeguards and secured files and buildings.
How does Independent Financial collect my personal information? We collect your personal information, for example, when you
  • open an account
  • make deposits or withdrawals from your account
  • give us your contact information
  • provide your mortgage 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 on your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Independent Financial does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Independent Financial 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.
  • Our joint marketing partners include credit card companies.
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. Under California privacy laws, you have a right to request the personal information categories we collect and your specific personal information we have collected. You also have a right to request that the Bank deletes or corrects your personal information subject to exceptions, to opt out of our sharing to affiliates and third parties as required by California law, and to designate an authorized agent to make these requests. To make a request or to designate an authorized agent to make these requests, please call us at 800.460.6634 or log in to online banking at www.ifinancial.com and send a secure message to Customer Care.

You can find our online privacy policy, as it relates to the California Consumer Privacy Act of 2018, here: https://oag.ca.gov/sites/all/files/agweb/pdfs/privacy/sb1_standards.pdf.

For Nevada Customers. You may be placed on the Bank's internal Do Not Call List by calling us at 800.460.6634 or by logging in to online banking at www.ifinancial.com and sending a secure message to Customer Care. You may also contact the Nevada Attorney General's office at: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; 702.486.3132; [email protected].

For Vermont Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found by calling 800.460.6634.

For Texas Customers. Independent Financial is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Independent Financial should contact the Texas Department of Banking through one of the means indicated below: In person or by U.S. mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No. 877.276.5554; Fax No. 512.475.1313; Email: [email protected], Website: www.dob.texas.gov.

If you live in a state where the laws further restrict the sharing of your personal information, we will not share information we collect about you with nonaffiliates, unless the law allows, and we will limit sharing among our affiliates to the extent required by state law.

Rev. 08/2023