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Privacy Policy

Last updated: 11/22/2024

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This Privacy Policy (“Policy”) applies to our website, incrediblebank.com, and our mobile app (collectively “Website”). It does not apply to any information collected offline or otherwise outside the Website. This policy details the kind of information we collect on the Website, how we collect it, and what we do with it.

IncredibleBank also uses and shares information about its customers in accordance with the terms of the Privacy Notice.

Information We Collect

Information You Provide to Us

We may collect personal information about you when you provide it to us while using or interacting with the Website such as your name, email address, telephone number, mailing address, business name, login information, location, financial information, account information, messages you submit using the Website’s forms or chat features, pictures you submit, receipts you submit, and other information that may personally identify you.

If you enable your mobile app to use facial scan or fingerprint technology (“Biometric Information”), we will use that Biometric Information to validate your identity, but we do not collect or store your Biometric Information.

Information We Collect Automatically

The Website may use technologies that collect certain information about you automatically. We may collect, among other things, your IP address, location, device type, date and time of visit, operating system, browser type and version, microphone, camera, your activities on the Website, and information about how you use the Website. If you are using the Website via a mobile device, we may also collect your mobile device’s unique device ID and information about other apps on your mobile device.

Information We Get from Third Parties

During the normal course of business, we may receive information about you from our third-party service providers, affiliates and other business partners. We may also receive information from third-party analytics on the Website that allows us to improve the Website and services.

Information Collecting Technologies

IncredibleBank, and third parties, may use technologies that collect information automatically including cookies and web beacons. This includes Google Analytics which IncredibleBank uses to help us understand how you interact with the Website.

Understanding Cookies and Web Beacons
Cookies
A cookie is a small text file that is sent to your browser when you access a website.  We, and third parties may use session cookies or machine cookies.  A session cookie is available only during the course of your browser session; the information is not sent or stored on your device’s hard drive.  Closing the browser or logging off will invalidate the session cookie.  Machine cookies remain on your hard drive and gather information, sometimes over time and across websites.  If you do not want us to place cookies, set your browser to refuse some cookies or to alert you when cookies are being sent.  If you do so, be aware that some parts of the Website may then be inaccessible or may not function properly.
Web Beacons
Web beacons (also known as tracking pixels) are electronic images, tags, or scripts that allow a website to access cookies and help track general usage patterns of visitors to a website.  Web beacons can recognize certain types of information, such as cookies, time and date of a page view, or a description of the page where a web beacon is placed.  We, and third parties, may use web beacons to gather information about your use of the Website.

Certain applications on mobile devices may transmit information to us about your location. We may use that information to improve the products and services we offer as well as to improve overall customer experiences. Information collected through tracking technologies is for many purposes, including providing useful features to simplify your experience and to deliver relevant content based on your preferences, usage and location.

How We Use Information

Information You Provide to Us

IncredibleBank uses information that you have provided to us, as permitted under applicable law, to:

  • Provide the Website, related services and products
  • Respond to requests you have made for information, products or services
  • Marketing efforts, including keeping you informed about exciting new products and services or changes to existing ones
  • Provide you incredible customer support
  • Tailor your user experience
  • Display personalized advertisements and content to you
  • Develop and deliver marketing emails to you with the assistance of third parties
  • Resolve problems and disputes with the Website
  • Improve the Website, products and services
  • Collect surveys and other feedback
  • Operate contests or other promotions
  • Maintain the security and integrity of the Website
  • Prevent fraud
  • Monitor and enforce compliance with this Policy
  • Fulfill any other purpose or obligation for which you provide it or offer your consent
Information We Collect Automatically or Receive from Third Parties

Information that is collected automatically or received from third parties may be used for a variety of business purposes. These include monitoring Website traffic, delivering relevant content, improving the Website, security of the Website and overall use of the Website. We may use information that is otherwise de-identified, aggregated, or anonymous, for any purpose.

Disclosure of Information

We may share your information, including personal information:

If you enable your mobile app to use facial scan or fingerprint technology (“Biometric Information”), we will use that Biometric Information to validate your identity, but we do not collect or store your Biometric Information.

  • With service providers and other third parties we use to support our business or the Website.
  • For any purpose disclosed by us when you provide the information.
  • With your consent.
  • As permitted under applicable law.

We do not sell your information to third parties.

Opt-Out

You may opt out of receiving future marketing communications from us at any time we request your personal information. You can opt-out by following the unsubscribe process. We will use commercially reasonable efforts to process opt-out requests in a timely manner.

Children's Privacy

We do not use the Website to knowingly solicit personal information from, or market to, children under the age of thirteen (13) without parental consent. For additional information regarding the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website.

Telephone Consumer Protection

We do not market to consumers using text or automated dialing systems.

Data Security

We are committed to protecting your personal information from unauthorized access or use. We will use commercially reasonable measures to protect information within our organization. Be aware that no data transmission or storage system is guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, immediately notify us in accordance with the CONTACT US section of this Policy.

Preventing Identity Theft

To help us protect your information, it is important that you always keep your account information safe. We encourage you to never share your username, password, or PIN with anyone. By providing your username, password or other credentials to any person or third party (including an aggregation service) you authorize that person or third party to initiate transfers to or from your account.

IncredibleBank will never initiate a request via email or text message requesting information such as your Social Security Number, username, password, PIN or account number. If you receive an email or text message that appears to be from IncredibleBank, asking for sensitive information, you should be suspicious of the request and immediately contact us in accordance with the CONTACT US section of this Policy.

Linked Websites

To help us protect your information, it is important that you always keep your account information safe. We encourage you to never share your username, password, or PIN with anyone. By providing your username, password or other credentials to any person or third party (including an aggregation service) you authorize that person or third party to initiate transfers to or from your account.

IncredibleBank will never initiate a request via email or text message requesting information such as your Social Security Number, username, password, PIN or account number. If you receive an email or text message that appears to be from IncredibleBank, asking for sensitive information, you should be suspicious of the request and immediately contact us in accordance with the CONTACT US section of this Policy.

Changes to this Policy

IncredibleBank may, from time to time, update this Policy to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We encourage you to review this Policy periodically. If we do make changes to this Policy, we will let you know by posting the revised Policy with a new “Last Updated” date to the Website. Changes to this Policy will become effective when it is posted to the Website. By continuing to use the Website, you are agreeing to accept the terms of the revised Policy.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact our Customer Support Center at (888) 842-0221, email info@incredible.bank, or visit our Contact Us page for additional contact options.