What does Intracoastal Bank do with your 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 includes:

  • Social security number and income
  • Account balances and payment history
  • Credit history and credit scores
  • Phone numbers
  • Records of communications with you, including SMS/text messages

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 Intracoastal Bank chooses to share; and whether you can limit this sharing.

SMS/Text Messaging Communications

Intracoastal Bank uses SMS/text messaging only for customer service and conversational purposes.

If you Opt-in to communicate with us via SMS and provide your phone number to us, you consent to receive SMS (text) messages from Intracoastal Bank regarding service-related notifications such as appointment reminders, general service updates, support and non-sensitive communications.

Please note the following:

  • SMS will NOT be used for marketing or promotional purposes without your further consent.
  • Sensitive account information will NOT be sent via SMS.
  • Message frequency may vary.
  • Message and data rates may apply.
  • For assistance, reply HELP or contact us at
  • Consent is not a condition of purchase or account approval.
  • Text message services are subject to termination in the event your wireless service terminates or lapses.  The Bank may also discontinue text message services at any time

You may opt out of SMS communications at any time by replying STOP to any message. For assistance, reply HELP or contact us directly at:  Support@Intracoastal.bank

SMS consent is not shared with third parties or affiliates for marketing purposes.

Questions?

Call Us!

Who is providing this notice?

Intracoastal Bank, 1290 Palm Coast Pkwy, Palm Coast, FL 32137

What we do
How does Intracoastal Bank 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.

We take seriously our obligation to safeguard your Confidential Information. Your information is accessible only to employees who need the information to provide products or services to you. All our employees are bound by a formal Code of Conduct emphasizing their responsibility to maintain the privacy and confidentiality of your information. We also maintain physical, electronic, and procedural safeguards to reasonably ensure the confidentiality of your information. We monitor new technology and upgrade our systems as needed to best protect your information.
How does Intracoastal Bank collect my personal information?We collect your personal information, for example, when you:

-open an account or deposit money.
-pay your bills or apply for a loan.
-use your debit card or perform a transaction with us and others.
-communicate with us via phone, SMS/text message, or online forms.

We also collect your personal information from others, such as credit bureaus, affiliates, and service providers.
How does Intracoastal Bank use my personal information?We use your personal information to:

-Process transactions and maintain your accounts.
-Respond to inquiries and provide customer service.
-Communicate with you regarding service-related matters, including via SMS/text messages where you have provided consent.
-We do reserve the right to disclose any information as necessary to comply with any law, regulation, or government inquiry.

We may share information with service providers that assist us in delivering services (such as communication platforms), but only for business purposes and not for marketing by those providers.
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 non-affiliates to market to you.

State law and individual companies may give you additional rights to limit sharing.
Reasons we can share your personal informationDoes Intracoastal Bank 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		YesNo
For our marketing purposes-
to offer our products and services to you		YesNo
For joint marketing with other financial companies

NoWe don't share
For our affiliates’ everyday business purposes-
information about your transactions and experiences		NoWe don't share
For our affiliates’ everyday business purposes-
information about your creditworthiness		NoWe don't share
For our affiliates to market to you

NoWe don't share
For non-affiliates to market to you

NoWe don't share
Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and non-financial companies.

-Intracoastal Bank has no affiliates.
Non-affiliatesCompanies not related by common ownership or control. They can be financial and non-financial companies.

-Intracoastal Bank does not share with non-affiliates so they can market to you.
Joint MarketingA formal agreement between non-affiliated financial companies that together market financial products or services to you.

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