Membership Process
How we collect, store, transfer and use data from users
At ISPAB we fully acknowledge that all information collected online and offline should be protected. This Privacy Policy Document lays out the key elements of how we collect, store, transfer, and use the data we collect. How you can change or control what is collected? And how you can contact ISPAB about any questions or concerns you may have? ISPAB recognizes the importance our customers place on the privacy and security of their personal information. Our goal is to protect your personal information in every way that we interact with you, whether it’s on the telephone, in our lobby, at one of our branches, offline from, or on the Online.We think it is important for you to be informed of the policies, procedures, and security measures we have in place to safeguard your personal and confidential information. With that in mind, we have developed this policy to help you to understand the steps we take to protect your personal information when you utilize our online services.
This institution may utilize the services of third party providers to assist us in providing online services, such as website hosting, Online banking, bill payment, Internet Service, Data connectivity, aggregation services and related value-added services. These third-party providers are referred to within this policy as “service providers”.
Information Collected offline and online
If you are just browsing through our website, we do not request any personally identifiable information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information, such as when you register with us offline, send a chat request, send us an email or complete an application online. If you provide us with this information, it is only used internally and in furtherance of the purpose for which it was provided. As part of providing online financial products or services, we may obtain information about our customers and website visitors from the following sources:- Information we receive from you on applications, emails, or other forms;
- Information you provide when you choose to customize our website;
- Information about your transactions with this Institution and our affiliates;
- Information we receive from a marketing agency; and
- Information that is generated electronically when you visit our website; and
- Information that is generated electronically when you use our Internet banking services.
- Information that you provide through the offline registration form.
- Information Log for service uses through our IP Log server and DNS Log server.
- The Internet address (referral site) which brought you to our website;
- The date and time you access our site;
- The name and version of your web browser;
- The Internet service provider you used when you accessed our site;
- Your Internet Protocol (IP) address; and
- The pages visited on our website.
Internet Protocol (IP) Addresses
An IP address is a number that is manually or automatically assigned to your computer whenever you are on the Internet. Web servers, the computers that “serve up” web pages, automatically identify your computer by its IP address. When collecting information for us, our service provider does not link IP addresses to anything personally identifiable; however, this Institution and its service providers may use IP addresses to audit the use of our site. We can and will use IP addresses to identify users when necessary for security purposes.What is a Cookie?
A cookie is a very small text file sent by a web server and stored on your hard drive, your computer’s memory, or in your browser so that it can be read back later. Cookies are a basic way for a server to identify the computer you happen to be using at the time. Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function in secure Internet banking. We and Our service provider uses cookies for security purposes within our online portal and Internet banking product and to facilitate the customization and personalization of our website. For your security, our service provider does not store any personally identifiable information in cookies which are further described below.What is a log?
When you visit some website or click any link, we save that log to our log server database for your protection. This is government regulation to save all IP logs to ensure cybersecurity.Use of Information Collected
- We do not disclose any non-public personal information about our customers, former customers, website visitors to anyone, except as permitted or required by law.
- To provide online services such as Information services, Online value-added services (VAS) and bill payment, we must disclose certain customer account information to our third-party service providers.
- We do not sell any of your personal information.
- We will not disclose any medical information that you provide to us unless you specifically authorize its disclosure.
- We may disclose aggregate customer information that we collect on our website to service providers, companies, and/or financial institutions that perform marketing and research services on our behalf and with whom we have joint marketing agreements. Our contracts require these service providers, companies and/or financial institutions to protect the confidentiality of your personal information to the same extent that we must do.
- We may disclose your identity data, company name, company logo, browsing log and other information to the government law enforcement agency with proper verification.
- We may disclose your identity data, company name, company logo, other public information to do marketing and advertising our services. But this will never contain your personal information or contact details.
