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Privacy Policy

Web site Privacy Policy

Visitors to this Bank's Web site remain anonymous. We do not collect identifying information about visitors to our site. 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. Visitors may elect to provide us with personal information via e-mail, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our website 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.

Independent Bank Privacy Notice and Consumer Complaint Policy

Your Privacy is Important to Us
You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

We work diligently to safeguard the information you give to us and we adhere to Gramm-Leach Bliley Act guidelines. In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason we ask that you please read the following information carefully.

Notice of Your Financial Privacy Rights

"We," "our" and "us," when used in this notice, refers to Independent Bank.
This is our privacy notice for our customers. When we use the words "you" and "your" we refer to the following types of customers:

  1. Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as:
    1. A deposit account
    2. A loan account
    3. A safe deposit box
    4. Financial, investment, or economic advisory services

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.

"Non-public personal information" refers to information about you that we collect in connection with providing a financial product or service to you. Non-public 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 refer to non-public 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 "non-affiliated third party" is a person we do not employ or a company that is not an affiliate of ours. This is also known as a non-affiliated third party, or simply, "other party."

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 Disclose About You

We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions such as:

  • Information that we receive from you on an application such as deposits or loans that you have with other financial institutions, or your employment in order to verify the accuracy of the information that you have provided us
  • Information that we receive from you on an application such as existing loan balances to be paid from our loan proceeds to persons who will be involved in the closing of a loan, such as attorneys and title companies
  • Information that we receive from processing your accounts with us, such as balance information to the interchange that processes our ATM/debit card transactions
  • Information that we receive from processing your accounts with us such as whether there are sufficient funds in the account to pay a check that you have written to a merchant in payment of items you have purchased

The Confidentiality, Security and Integrity of Your Information

We restrict access to information about you to only 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.

Information About Former Customers

We do not disclose information about former customers, except as permitted by law.

Texas Notice

This institution is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Independent Bank engages in the sale of travelers checks as an agent for American Express® and VISA®, which are also licensed under the laws of the State of Texas and are subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against this institution should contact the Texas Department of Banking through one of the means indicated below: