| Bank Forward protects the privacy, security, and confidentiality of our customers' personal information. The same level of protection will be provided to customers using our online services as our traditional banking services.
You can be confident that we are protecting the security of your transactions with password security and encryption of data so people do not have access to your account information.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Bank Forward, IPS Incorporated and FPM Insurance Agency Inc.
This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:
• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
• Deposit account
• Loan account
• Credit card account
• Safe deposit box
• Retail installment contract we hold and service
• Insurance policies issued by or through us
• All of our North Dakota commercial and agricultural accounts
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.
We first define some terms.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term " information " to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an " other party. " JOINT ACCOUNTS
If you have a joint account with us, you should share this notice with the persons who share your account. They may not get a separate notice.
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.
YOUR INFORMATION AND OUR AFFILIATES
We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:
Transaction and experience information from our account records:
Information about your transactions and experience with us, such as:
- Name
- Address
- Account balances
- Account activity
- Types of accounts
- Deposit history
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of the information.
Types of Affiliates
We may disclose information about you to our affiliate, Insure Forward. YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law.
MAINTENANCE OF ACCURATE INFORMATION
We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information, please notify us. We will investigate your concerns and correct any inaccuracies.
VISITORS TO THE BANK FORWARD WEBSITE
Visitors to the Bank Forward web site remain anonymous. Bank Forward does not collect identifying information on visitors to our site.
Visitors may choose to provide us with personal information via e-mail. This information, if provided, is only used internally as appropriate to handle the sender’s request. It is not disseminated or sold to other organizations.
We may use standard software to collect non-identifying information about our visitors such as:
• Date and time our site was accessed
• IP address (A numeric address given to servers connected to the Internet)
• Web browser used
• City, state and country The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.
Some areas of our Web site may use a ‘cookie’ temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
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