1. Information We Collect

IOU National Bank, N.A. (“IOU National,” “we,” “our”) collects personal information when you open an account, apply for a loan, use our online or mobile banking services, visit our branches, or interact with our customer service teams. This includes:

Name, address, date of birth, Social Security number, and government-issued ID
Employment and income information for credit applications
Account numbers, transaction history, and balances
Device information, IP address, and browser data when using digital services
Communications with our staff including call recordings and chat transcripts

2. How We Use Your Information

We use your personal information to:

Open and manage your accounts
Process transactions and loan applications
Detect and prevent fraud and unauthorized activity
Comply with federal and state banking regulations
Improve our products and services
Communicate with you about your accounts and our offerings

3. Information Sharing

IOU National does not sell your personal information to third parties. We may share your information with service providers who help us operate our business, credit bureaus, regulatory authorities, and as required by law. We provide annual privacy notices as required under the Gramm-Leach-Bliley Act.

4. Your Rights

You have the right to access, correct, and request deletion of your personal information subject to legal and regulatory retention requirements. California residents have additional rights under the CCPA. To exercise your rights, contact us at [email protected].

5. Data Security

We protect your information with 256-bit encryption, multi-factor authentication, 24/7 monitoring, and strict access controls. Our security practices are regularly audited by independent third parties and comply with FFIEC guidelines.

6. Cookies and Tracking

Our website uses cookies and similar technologies to improve your experience, analyze usage, and deliver relevant content. You can manage cookie preferences through your browser settings.

7. Contact Us

For privacy-related questions or to exercise your data rights, contact our Privacy Office at [email protected] or write to: IOU National Bank, Attn: Privacy Office, 200 Park Avenue, 34th Floor, New York, NY 10166.

Privacy Policy