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Home  > Privacy Policy

rev. 6/2023


PRIVACY POLICY

FACTS WHAT DOES INTERNATIONAL BANK OF COMMERCE (IBC Bank) & COMMERCE BANK 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 transaction history
▪ credit scores and income
▪ credit history and account balances
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 IBC Bank
& Commerce Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does IBC BANK & COMMERCE BANK
share? Can you limit this sharing? For our everyday business purposes—
such as to process your transactions, maintain your 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 to you Yes No For joint marketing with other
financial companies Yes No For our affiliates' everyday business purposes—
information about your transactions and experiences Yes No For our affiliates'
everyday business purposes—
information about your creditworthiness Yes Yes For our affiliates to market to
you Yes Yes For nonaffiliates to market to you Yes Yes

To limit our sharing ▪ Mail the form below
Please note:
If you are a new customer, we can begin sharing your information [30] days from
the date we sent this notice. When you are no longer our customer, we continue
to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

Questions? Go to: https://www.ibc.com/en-us/contactus


✂

Mail-in Form
 
Mark any/all you want to limit:
▢ Do not share information about my creditworthiness with your affiliates for
their everyday business purposes.

▢ Do not allow your affiliates to use my personal information to market to me.

▢ Do not share my personal information with non-affiliates to market their
products and services to me.

Name   Address
City, State, Zip   Account #/ Ln #  

Mail to:

International Bank of
Commerce/Commerce Bank
c/o Dennis E. Nixon,
President, International
Bancshares Corp.
P.O. Drawer 1359
Laredo TX 78041
 

Who we are   Who is providing this notice? INTERNATIONAL BANK OF COMMERCE (IBC
BANK) & COMMERCE BANK What we do   How does IBC & COMMERCE BANK 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.

We train our employees in the proper handling of personal information. We
require companies that help provide our services to you to protect the
confidentiality of personal information they receive. How does IBC & COMMERCE
BANK collect my personal information? We collect your personal information, for
example, when you
▪ open an account or apply for a loan
▪ apply for insurance or show your driver's license
▪ use your credit or debit card
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—information about your
creditworthiness
▪ affiliates from using your information to market to you
▪ sharing for 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. What happens when I
limit sharing for an account I hold jointly with someone else? Your choices will
apply to everyone on your account.

Definitions   Affiliates Companies related by common ownership or control. They
can be financial and nonfinancial companies.
▪ Our affiliates include companies with a common corporate identity of
International Bancshares Corporation; financial companies such as IBC Bank,
Commerce Bank, and IBC Insurance Agency Ltd. Nonaffiliates Companies not related
by common ownership or control. They can be financial and nonfinancial
companies.
▪ Non-affiliates we share with can include financial services companies, or
insurance companies. Joint marketing A formal agreement between nonaffiliated
financial companies that together market financial products or services to you.
▪ Our joint marketing partners include financial services companies.

Other Important Information Texas Residents Important Notice: IBC Bank/Commerce
Bank is chartered, licensed or registered under the laws of the State of Texas
and by state law is subject to regulatory oversight by the Texas Department of
Banking. Any consumer wishing to file a complaint against IBC Bank/Commerce Bank
should contact the Texas Department of Banking through one of the means
indicated below: In Person or U.S. Mail: Texas Department of Banking, 2601 North
Lamar Boulevard, Suite 300, Austin, Texas 78705-4294;Telephone: 877-276-5554
(Toll Free), Fax: 512-475-1313, E-Mail: consumer.complaints@dob.texas.gov,
Website: www.dob.texas.gov.

California Residents: We will not share information we collect about you with
nonaffiliated third parties, except as permitted by California law, such as to
process your transactions or to maintain your account.

Nevada Residents: For more information regarding any opt-out choices listed, you
may contact us at the number or address listed. You may also contact the Nevada
Attorney General's Office, Bureau of Consumer Protection, by writing to 555 E.
Washington Street, Suite 3900, Las Vegas, NV 89101, or by calling 702-486-3132,
or by e-mailing to BCPINFO@ag.state.nv.us.

IBC Card Controls Users: The IBC Card Controls App periodically collects,
transmits, and uses geolocation information to enable features that prevent
fraudulent card use and send alerts, but only if the End User expressly
authorizes collection of such information. Geolocation information can be
monitored on a continuous basis in the background only while the Solution is
being used or not at all, depending on the End User's selection. End Users can
change their location permissions at any time in their device settings.

Privacy Policy - 06/2023


53.86
USD - -0.28 -0.52
Closed: Mar 8, 4:00 PM EDT
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