Privacy Policy
Rev 6/11/2026
WHAT DOES INSBANK AND ITS SUBSIDIARIES: INSBANK FINANCE, INC, AN INSBANK COMPANY DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income;
- Account balances and payment history;
- Credit history and credit scores.
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons INSBANK AND ITS SUBSIDIARIES:
INSBANK FINANCE, INC, AN INSBANK COMPANY chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does INSBANK and Subsidiaries share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes—such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes—to offer our products and services | Yes | No |
| For joint marketing with other financial companies | No | We don’t share |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | No | We don’t share |
| For our affiliates’ everyday business purposes— information about your creditworthiness | No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
Questions? Call 615-515-2265 or 866-866-2265 or visit www.insbank.com
Who we are
Who is providing this notice?
Who is providing this notice? INSBANK AND ITS SUBSIDIARIES: INSBANK FINANCE, INC, AN INSBANK COMPANY
What we do
How does INSBANK and its Subsidiaries protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does INSBANK and its Subsidiaries collect my personal information?
We collect your personal information, for example, when you
- open an account or use your credit or debit card
- apply for a loan or provide employment information
- make deposits or withdrawals from your account
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
- sharing for affiliates’ everyday business purposes, including information about your creditworthiness
- affiliates from using your information to market to you
- sharing non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates:
Companies related by common ownership or control. They can be financial and nonfinancial companies.
– INSBANK and its Subsidiaries do not share with our affiliates
Nonaffiliates:
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
– INSBANK and its Subsidiaries do not share with nonaffiliates so they can market to you.
Joint marketing:
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
– INSBANK and its Subsidiaries don’t jointly market.
Other important information
California Residents – Please refer to the bank’s website for electronic access to our California Consumer Privacy Act and your rights under the Act
Text Messaging (SMS/MMS) Communication and Privacy
INSBANK and its subsidiaries may communicate with customers through text messaging (SMS/MMS) using standard 10-digit telephone numbers in compliance with Application-to-Person (A2P) messaging requirements, including 10DLC registration with mobile carriers.
Consent to Receive Messages:
You will receive text messages from us only if you have provided your consent, where required by law. Consent may be obtained through account agreements, online forms, or other authorization methods. Message types may include account alerts, fraud notifications, service communications, and, where permitted, marketing messages.
Use of Information for Text Messaging:
In addition to the personal information described in this notice, we may collect and maintain:
- Your mobile phone number
- Your text messaging preferences and enrollment status
- Records of your consent (including date, method, and disclosures provided)
- Message interaction and delivery information
We use this information to operate, maintain, and improve our messaging services, comply with legal and regulatory requirements, and protect against fraud.
Opt-Out and Customer Support:
You may opt out of receiving text messages at any time by replying STOP to any message.
For assistance, reply HELP or contact us at:
- 615-515-2265 (or 866-866-2265)
- www.insbank.com
Message Frequency and Charges:
Message frequency will vary. Message and data rates may apply depending on your wireless carrier plan.
Sharing of Mobile Information:
INSBANK does not sell or share your mobile phone number or SMS consent information with third parties for their own marketing purposes.
We may share your information with service providers that assist us in delivering text messages (such as messaging platforms and telecommunications providers), but only to support our business operations and not for their independent use.
Data Security:
We maintain administrative, technical, and physical safeguards to protect your information. Please note that text messages are not always encrypted, and you should avoid sending sensitive information (such as full account numbers or Social Security numbers) via text message.
Data Retention:
We retain records of your text message consent, opt-out requests, and related communications as required for legal, regulatory, and operational purposes.
Questions?
Call 615-515-2265 or toll free 866-866-2265 or go to www.insbank.com