Privacy Notices

Aviso de Privacidad

Print out Privacy Policy

Updated 10/15/2020

Facts

What does Intercredit Bank, n.a. 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 and income
  • Account balances and payment history
  • Transaction or loss/default history and credit history

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 Intercredit Bank, N.A. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Intercredit Bank, N.A. 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 to 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

Yes

No

For our affiliates’ everyday business purposes-
information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For non-affiliates to market to you

No

We don't share

To limit our sharing

Mail the form on last page.

Please Note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

Questions?

Call (305) 375-8442 or go to www.intercreditbank.com 

Who we are

Who is providing this notice?

You are receiving this notice from Intercredit Bank, N.A.

What we do

How does Intercredit Bank, N.A. protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Intercredit Bank, N.A. collect my personal information?

We collect your personal information, for example, when you

  • open an account or make a deposit or withdrawal money from your account
  • pay your bills or apply for a loan
  • use your debit or credit card

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 law and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account - unless you tell us otherwise.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • This includes Intercredit Bank, N.A., Banco Pichincha Holding Group, Banco Pichincha Panama and Diners Club Ecuador.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Intercredit Bank, N.A. does not share with our 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.

  • Joint marketing partners include financial services companies.
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