At Innovative Bank we respect each and everyone of our client's privacy. We value the relationship that you have embarked with us and the trust that you have instilled into our bank. This policy details the manner in which we handle our customers' non-public personal information, and rights you have as our valued client.

 This Privacy Policy applies to individuals who seek or obtain a financial product of services from us from primarily personal, family, or household purposes. We may revise this Privacy Policy to our practices and will notify you of the changes as may then be required by law.

Personal Information We Collect. From time to time, Innovative Bank will collect and use information collected to service your accounts, save you time and money, offer you better services, and better handle your banking needs. We collect non-public personal information about you from the following sources:

* Completed applications or other forms voluntarily submitted from you;

* Information about your transactions and account experience with us, our affiliated companies, or others;

* Information we receive from a consumer credit reporting agency and;

* Information from other outside sources to verify the information you provided, such as your employment, credit or banking relationships, or property insurance coverage.

Maintaining Accurate Information. We have procedures in place to help assure that your non-public information is accurate, current, and complete in accordance with commercial standards. We also have procedures to respond to your request to resolve any discrepancies.

Information We May Disclose.  We do not disclose any non-public personal information about our customers or formers customers to anyone except as permitted by law. For example, we may disclose non-public information on our current and former clients in regards to subpoenas, authorization, regulatory agencies, or other forms of law enforcement agencies. Another example, your information such as name and address will be submitted to our check printing company to provide you with checks and statements. Also, we may share non-public information in efforts to protect against fraud, money laundering, or other illegal activities as in accordance to regulatory compliance requirements. We may also disclose all of your information we collect, as described above, to nonaffiliated companies that perform marketing services on our behalf.

We may also disclose non-public personal information about you to our affiliates who may use the information to market products and services to you.

Confidentiality and Security. We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We also will take steps to safeguard your non-public personal information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

Non-Public Personal Information on Former Customers. If we or you close your account(s) with us or if you become an inactive customer; we will continue to adhere to the privacy policies and practices described in this Privacy Policy.

Children's Online Privacy Protections. We feel strongly about protecting the privacy of children. As such, we do not knowingly collect or use personal information from children under the age of 13, through our Website, without obtaining verifiable consent from his or her parents and or legal guardian. Should we determine that a child under the age of 13 sent or otherwise provided personal information to us, that information will be used only to obtain consent from their parent and/or legal guardian.