🔐 Privacy Policy

Effective Date: 09/10/25
Last Updated: 09/10/2025

At Ironwood Savings ("we", "our", "us"), your privacy is a top priority. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our online banking services through our website and mobile app.

By accessing or using our services, you agree to the practices described in this policy.

1. Information We Collect

We collect the following types of information:

a. Personal Information

• Full name

• Date of birth

• Address

• Email address

• Phone number

• Government-issued identification (e.g., ID, passport)

• Banking details

b. Financial Information

• Account balances

• Transaction history

• Payment details

c. Device and Usage Information

• IP address

• Browser type

• Device type

• Access times

• Pages viewed and interactions on the app/website

d. Location Data

We may collect your location data (with permission) to help verify transactions and enhance security.

2. How We Use Your Information

We use your information to:

• Create and manage your account

• Process transactions and payments

• Provide customer support

• Detect and prevent fraud

• Comply with legal obligations

• Improve our services and user experience

• Send you updates, offers, and security alerts (you can opt out at any time)

  3. How We Share Your Information

  We do not sell your personal information. We may share your information with:

  • Trusted service providers (e.g., payment processors, cloud services)

  • Regulatory authorities (when legally required)

  • Partner banks or financial institutions (for transaction processing)

  • Security and fraud prevention services

  All third parties are required to comply with strict data protection policies.

  4. How We Protect Your Information

  We implement industry-standard security measures to safeguard your information, including:

  • Data encryption

  • Secure socket layer (SSL) technology

  • Multi-factor authentication

  • Access controls and monitoring

  While we strive to protect your data, no system is 100% secure. We recommend you also take steps to protect your login credentials.

  5. Your Rights and Choices

  Depending on your jurisdiction, you may have rights to:

  • Access the personal data we hold about you

  • Request corrections or updates

  • Request deletion (subject to regulatory requirements)

  • Withdraw consent or object to data processing

  • Receive a copy of your data in a portable format

  To exercise these rights, please contact us at support@ironwoodsavings.com.

  6. Cookies and Tracking Technologies

  We use cookies and similar technologies to enhance your experience, remember your preferences, and analyze usage. You can manage your cookie settings through your browser.

  7. Data Retention

  We retain your data as long as your account is active or as required by law. After account closure, certain information may be retained for regulatory, tax, or fraud prevention purposes.

  8. Children’s Privacy

  Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

  9. International Data Transfers

  If you are accessing our services outside of [Insert Country], your data may be transferred to and processed in a country with different data protection laws.

  10. Changes to This Policy

  We may update this Privacy Policy periodically. When we do, we’ll post the updated version here and notify you where appropriate.

  11. Contact Us

  If you have any questions or concerns about this Privacy Policy or how your data is handled, please contact:

  📧 Email: support@ironwoodsavings.com
  📞 Phone: +1 (701) 581-5696

  By using our services, you acknowledge that you have read and agree to this Privacy Policy.