Effective Date: 9/30/2020
Scope of this Policy
Our website is not directed at children under the age of 13.
Changes to This Policy
Information Automatically Collected
When you visit the website, we automatically collect certain information, like 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.
You may elect to share personal information with us by filling out the information on our Contact Us page, such as name, email address, phone number, and any other personal information you choose to provide. We use information you send to us through the Contact Us page to respond to your inquiries or comments.
If you are going through an application process 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 with (“Ibbie Service”).
Ibbie provides a service that facilitates an application process by providing bank account information and transaction history to creditors or others in an application screening 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.
Retention of Data and Disposal of Personal Information
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 Ibbie Service is kept 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 consumer information in connection with its disposal of personal information.
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 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 3047
Pittsburgh, PA 15230
If you used the Contact Us form, you may access and update personal information you have previously provided through that form either by submitting updated information using our online Contact Us form, or by contacting us at email@example.com.
We use the information we get from Google Analytics to understand how our website and the Ibbie Service is used and make improvements.
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.
Choice & Online Tracking
As a user of our website, you control the personal information you send to us when using our Contact Us form or the Ibbie Service.
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:
Information Sharing and Disclosure
Except as described above in the Ibbie Service, we don’t intend to share your information with third parties. However, we may disclose your information in the following scenarios:
Security and Confidentiality
Ibbie strives to protect personal information that we collect, maintain, and disclose through the use of administrative, physical, and technical safeguards. Personal information submitted online 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. We dispose of such information by taking measures to protect against unauthorized access to or use of the information.
Point of Contact
Ibbie Privacy Officer
Note regarding Nevada law Chapter 603A of NRS: Ibbie does not sell personal information, and for that reason, cannot process requests to opt out of the sale of personal information.