Effective Date: 2/21/2023
Scope of this Policy
If you are going through an application process with a bank, lender, or other financial institution and have received a link to our website, you may elect to provide your name, bank name, bank account number, routing number, username, password, and answers to security questions. We use that information in order to provide financial information to our customer with whom you have a pending application or other relationship.
Website Data Collection Practices
Information Automatically Collected
When you visit the website, we automatically collect certain information, such as your IP address, device ID, browser type and operating system, the domain from which you came, the page you are viewing, and the date and time of your visit.
We use this information for a number of purposes, such as investigating security incidents, running analytics to understand usage, and for compliance with security standards. We do not use this information to identify any particular consumer or household.
Ibbie may use certain session cookies to collect website usage data and to improve the website and our services, as well as your experience with the website. A session cookie enables certain features of a website, like browsing through different pages on our website without having to log into each page. Cookies are small text files that a web server places on your computer or device when your browser accesses a website. Cookies store certain data specific to that website so this information is available to us later when the browser returns to our website. Some cookies are necessary to ensure our website functions properly and some enable us to deliver an individualized online services experience.
Most web browsers give you a choice to modify your browser settings to decline some or all cookies. If you have opted to not accept any cookies, certain features of our website may not be accessible to you.
Choice & Online Tracking
You control the personal information you send to us when using the Service.
Except as noted above, Ibbie does not track your online activities over time and across third party websites. However, other third parties may be conducting online tracking on our site. To learn more about the choices you have regarding online tracking, please visit these sites:
Third-Party Links and Websites
You may be able to access third-party sites by clicking links on our site. We are not responsible for the privacy policies or practices of any third-party sites, and if you visit those websites, we encourage you to review their respective privacy policies.
Information Sharing and Disclosure
Except as described above, we do not intend to share your personal information with third parties. However, we may disclose your information in the following scenarios:
Ibbie does not sell personal information to third parties for marketing purposes, and for that reason, cannot process requests to opt-out of the sale of personal information.
Ibbie provides a consumer-permissioned data service that facilitates an application process by providing bank account information and transaction history during an application process. This is a convenient alternative to manually providing bank statements. The process begins when you apply for credit or another transaction, like a lease for an apartment. If the company you apply with is an Ibbie customer, the customer may obtain information from you and provide it to Ibbie in order to perform the Ibbie Service, which includes your name, bank account number, an email address, and telephone number. Once that information is received, Ibbie, through its service provider, will send you a link via email or text. This link will take you to the Ibbie website where you select the financial institution that you bank with, enter your online login and password for that financial institution, and indicate that you agree to terms and conditions of the Ibbie Service. Ibbie, directly or through its service providers, will use your login and password and attempt to login to your account. If successful, Ibbie and its service providers will have access to the same information that you see when you log into your account online. Ibbie, directly or through its service providers, will extract bank account transaction history and provide it to the Ibbie customer that requested the Ibbie Service. This service is paid for by the Ibbie customer and there is no charge to you.
Ibbie uses your information to provide the Ibbie Service and after deidentification, uses information for analytics and to improve the Ibbie Service. Ibbie does not sell your information outside of the Ibbie Service. Ibbie prohibits its service providers and customers from using the information outside of the Service; however, service providers may use information for analytics and to improve its services after deidentifying the information.
The Ibbie Service is provided to Ibbie customers who have a permissible purpose under the Fair Credit Reporting Act. The customer may only use the information received through the Ibbie Service for that purpose and no other.
The Ibbie Service is completely voluntary. If you do not want to participate in the Ibbie Service, you can contact the company you applied with to find out what other options they may have for completing the application process.
Accuracy of Consumer Reports
As a consumer reporting agency, Ibbie follows reasonable procedures to ensure the accuracy of information in consumer reports, as required under section 607(b) of the Fair Credit Reporting Act (FCRA).
Consumer Access and Correction Rights
Ibbie does not have a database of information from which new reports are created, so if you have not previously used the Ibbie Services, we will not have any reports on you.
If you have used the Ibbie Service within the last 90 days, you can contact us by mail or by phone to request a copy of report used in the transaction. In order to protect your privacy, we require that you provide proper identification prior to disclosing consumer report information.
Under Section 611 of the FCRA, you have the right to dispute inaccurate or incomplete information in a consumer report. We conduct a reinvestigation of the disputed information within 30 days of receipt of the dispute (45 days if you provide additional information once the reinvestigation has begun). Results of the reinvestigation are mailed to you.
To access your consumer report used in the Ibbie Service or dispute inaccurate information on that report, contact us at:
Ibbie Consumer Assistance
PO Box 530261
Atlanta, GA 30353
Security and Confidentiality Safeguards
Ibbie strives to protect the personal information that we collect, maintain, and disclose through the use of administrative, physical, and technical safeguards. Personal information submitted online through our website or Service is transmitted through transport layer security (TLS), which is a protocol for establishing a secure connection for transmission. Our security program is designed to: (1) ensure the security and confidentiality of personal information, (2) protect against any anticipated threats or hazards to the security or integrity of the information, and (3) protect against unauthorized access, alteration, and unlawful disclosure of the information.
Retention and Disposal of Personal Informatoin
Ibbie retains personal information for as long as it is necessary for business purposes and to provide services to customers. Personal information used in the Service is maintained for 90 days. At the end of its retention lifecycle, personal information is destroyed or otherwise rendered inaccessible. Ibbie takes reasonable measures to protect against unauthorized access to or use of personal information in connection with its disposal of such information.
Our website is not directed at children under the age of 13. We do not knowingly collect personal information on this website from children under the age of 13. If you are a parent or guardian and believe your child has provided us with personal information without your consent, please contact us as noted below.
Changes to this Policy
Point of Contact
Ibbie Privacy Officer