Privacy Policy

Introduction

IOU National Bank, N.A. (“IOU National,” “we,” “us,” or “our”) is committed to protecting the privacy and security of our customers' personal information. This Privacy Policy explains how we collect, use, share, and safeguard information when you use the IOU National Help Center website (iounational-help.com), our online banking services, and related digital channels.

By using our services, you agree to the collection and use of information in accordance with this policy. If you have questions or concerns, contact our Privacy Office at [email protected].

Information We Collect

We collect information you provide directly, information generated through your use of our services, and information from third-party sources.

Information You Provide

• • Account registration details (name, email, phone number, Social Security number, date of birth)
• • Financial information (account numbers, routing numbers, transaction history)
• • Identity verification documents
• • Communications with our support team (phone calls, emails, chat transcripts)
• • Feedback, surveys, and form submissions

Information Collected Automatically

• • Device information (browser type, operating system, device identifiers)
• • Log data (IP address, access times, pages viewed, referring URLs)
• • Cookies and similar tracking technologies
• • Location data (approximate, based on IP address)

How We Use Your Information

We use the information we collect to:

• • Provide, maintain, and improve our banking services and help center
• • Process transactions and send related notices
• • Verify your identity and prevent fraud
• • Respond to your inquiries and provide customer support
• • Send service-related communications (security alerts, account updates)
• • Comply with legal and regulatory obligations
• • Analyze usage trends to improve our website and services

Information Sharing

We do not sell your personal information to third parties. We may share information in the following circumstances:

• • Service providers: Third parties that help us operate our services (payment processors, cloud hosting, customer support platforms)
• • Legal compliance: When required by law, regulation, subpoena, or court order
• • Fraud prevention: With law enforcement or financial institutions to investigate or prevent fraud
• • Business transfers: In connection with a merger, acquisition, or sale of assets
• • With your consent: When you have given us explicit permission

Data Security

We implement industry-standard security measures to protect your personal information, including encryption in transit (TLS 1.3) and at rest (AES-256), multi-factor authentication for account access, continuous monitoring for unauthorized access, and regular security audits by independent third parties.

While we take reasonable precautions, no method of electronic transmission or storage is 100% secure. If you suspect unauthorized access to your account, contact us immediately at +1 (888) 462-7233 (fraud hotline) or visit our Security Center.

Cookies and Tracking

We use cookies and similar technologies to maintain your session, remember your preferences, and analyze site usage. You can control cookie settings through your browser preferences. Disabling certain cookies may limit functionality of our online banking services.

We use Google Analytics to understand how visitors interact with our help center. This data is aggregated and does not personally identify you.

Your Rights

Depending on your jurisdiction, you may have the right to:

• • Access the personal information we hold about you
• • Request correction of inaccurate information
• • Request deletion of your information (subject to legal retention requirements)
• • Opt out of certain data processing activities
• • Receive a portable copy of your data

To exercise any of these rights, email [email protected] or call +1 (888) 462-4968. We will respond within 30 days.

Children's Privacy

Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us at [email protected].

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the “Last updated” date. For significant changes, we may also send a notification to your registered email address.

Contact Us

If you have questions about this Privacy Policy or our data practices, contact us: