Online Privacy Notice

1. We Respect Your Privacy

   ICB Solutions, a division of Neighbors Bank, ("Company" or "We") respects your privacy, and we recognize the importance of keeping your information secure. Below, you will find details about our privacy policies and how your information is used.

   This policy describes the types of information we may collect from you or that you may provide when you visit this website (our "Website") and our practices for collecting, using, maintaining, protecting, and disclosing that information.

   This policy applies to information we collect:
   • On this Website.
   • In email, text, and other electronic messages between you and this Website.
   • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
   It does not apply to information collected by:
   • Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
   • Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.

2. What We Collect

   We collect two types of information through this site: Personal and Non-Personal.
   1. Personal Information
      1. Personal Information means personally identifiable information such as information you provide via forms, surveys, applications, Website Account registration or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.
      2. We may use Personal Information to:
         1. to present our Website and its contents to you;
         2. to provide you with information, products, or services that you request from us or third parties;
         3. to respond to your inquiries and fulfill your requests;
         4. to inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information;
         5. to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you;
         6. to personalize your experience on the Site;
         7. for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
         8. for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;
   2. Non-Personal Information
      1. We also collect Non-Personal information which includes, but is not limited to: your IP address, referral data, the web pages you view while visiting our site and your interactions with those pages.
         1. We use this information to improve our site and better accommodate our visitors.
         2. We utilize "cookies" throughout our site to improve your experience and to help us understand our visitors' needs. A "cookie" is a small text file that contains your anonymous information and is transferred onto your computer where it is stored, and then allows the website administrator to identify your computer and learn about how you use our web site. A "cookie" will not allow a web site to learn any personally identifiable information, like your name or address, which you otherwise would have disclosed. We use cookie information to identify and correct errors on our site and to determine the popularity of pages and to provide you with an excellent resource for mortgage information on the internet.
         3. We collect other site usage information via Google Analytics and Google's DoubleClick cookie to serve ads over time based on a user's prior visits to our website. You may opt out of the DoubleClick cookie by visiting the Google advertising opt out page or you may opt out of Google Analytics by visiting the Google Analytics opt-out page.
         4. We use FullStory.com to collect information regarding your use of our site, including pages visited, links clicked, non-sensitive text entered, and mouse movements, as well as information more commonly collected such as your IP address, referring URL, browser, operating system, cookie information, and Internet Service Provider. FullStory.com does not collect or store your interactions with any form inputs that could be used to personally identify you. Data is stored by FullStory.com for up to 60 days after your web session. You may opt out of this usage tracking by clicking here.
         5. California "Do Not Track" Disclosures: While some Internet browsers have the ability to specify privacy preferences to websites, including requests not to track your usage and browsing history, ICB Solutions websites do not currently respond to these signals and may continue track your activity on this website and use gathered information as provided in this policy.

3. How We Use Your Submitted Information

   1. When you submit a request for information (an "inquiry") to ICB Solutions, we will share the personal information that you provided, including but not limited to your full name, email address, telephone number, and any other information you provided ("Self-Reported Information") with our Network Members to process and fulfill your request. You may be contacted directly by phone and/or email as a result of your request, even if the number you supplied is on the National Do Not Call registry.
   2. You may choose what information to provide us. You may choose to withhold certain information, but this may affect your ability to use certain features of our website. We encourage consumers to disclose all pertinent information so we can provide a high level of customer service and connect you with a Network Member.
   3. ICB Solutions may periodically send you complimentary materials including newsletters, commercial offers, instructional videos or other information if you choose to provide us an email address. By providing your email address or submitting a request for more information that includes your email address, you have opted to receive these materials from us. If you desire to stop receiving these materials, please email contact@icanbuy.com with the specific request.
   4. For additional information on how ICB Solutions makes use of the Personal Information you submit to us, please see our Consumer Privacy Notice.

4. How We Share your Information

   1. We may be required to disclose certain personal information resulting from a properly served request from a federal or state law enforcement or other governmental agency as a result of a subpoena, court order, in order to exercise our legal rights, to protect our company or employees from threats or fraud, to protect us from legal claims, or as otherwise required by law. We may raise or waive any legal rights available to us. This information may also be disclosed in the event of a merger or sale of the company, an asset sale, or the unlikely event of bankruptcy.

5. Opt-Out Provisions

   1. Once you submit your information it may not be retracted. You will be contacted by a representative after you submit a request through our site or an affiliate site.
   2. We may disclose any of the personal information that we collect from our customer or former customer to non-affiliated third party entities as permitted by federal and state law.
   3. If you wish to prevent all websites from tracking your website usage data via FullStory.com, you may opt out by navigating to https://fullstory.com/optout and clicking "Opt out of FullStory." Opting out will create a cookie that tells FullStory.com to turn off recording. The presence of this cookie is required to continue opting out, so if you clear your browsing cookies, you will need to opt-out again
   4. We comply with all relevant state and federal laws regarding the safeguarding of your personal information. Maintaining the security of your information is a top priority at ICB Solutions, so please contact us with any questions or concerns that you have regarding this policy.
   5. WE DO NOT DISCLOSE ANY NON-PUBLIC PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOU TO ANYONE FOR ANY PURPOSE THAT IS NOT SPECIFICALLY PERMITTED BY LAW
   6. We restrict access to your stored non-public personal identifiable information to those employees that need to know this information in order to provide our services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your information against unauthorized access.

6. Children's Online Privacy Protection Act (COPPA):

   1. This site is intended for individuals age 18 and older. Children under the age of 13 should not use this site, and are expressly prohibited from using our services.

7. Our Secure System Protects You

   1. To protect your personal information from unauthorized access and use, ICB Solutions uses physical, electronic, and procedural safeguards. Nevertheless, no system can be completely secure, and you should not expect that your information will remain protected. Unauthorized entry or use, hardware or software failure, human error, or a number of other factors may compromise the security of your information. As a consumer, you should always safeguard your personal information and protect yourself from potential identify fraud.

8. General Policy Provisions

   1. The policies and practices described in this disclosure are subject to change, but we will communicate any such changes to you as required by law. We encourage you to periodically review our privacy policy for any changes.
   2. You may receive copies of this privacy policy as well as the terms and conditions by sending an email detailing your request to contact@icanbuy.com or by sending a written request to:
   3. Customer Service
      ICB Solutions, a division of Neighbors Bank
      1801 Westfall Drive
      Columbia, MO 65202