Privacy Statement

What you should know
We make it our obligation to keep information about you secure and confidential, so it is important for you to know that, unlike many other financial services companies, we do not sell or share customer information with anyone. Period. For information we do keep on file, we ensure that is carefully and confidentially managed to give you better service and more convenience.

What the policy covers
We make it a policy to ensure that any Customer Information, which means personally identifiable information about a current or former client with Inova Suisse, is kept with the strictest of confidence. We are committed to:

Protecting information about you from marketers outside Inova Suisse.
Making the security of information a priority
Managing information for your convenience
Making sure information is accurate
Keeping up-to-date with our Privacy Policy

Inova Suisse does not sell or otherwise share any customer information with marketers outside Inova Suisse. You don't need to take any action to prevent disclosure.

Making the security of information a priority
Keeping financial information secure is one of our most important responsibilities. We value your trust and handle information about you with care.

At Inova Suisse., we

Limit access to Customer Information to those associates who need to know that information to provide services to you or to maintain or service those products or services.
Are bound by a code of ethics requiring confidential treatment of Customer Information and our Associates are subject to disciplinary action if they fail to follow this code.
Maintain physical, electronic and procedural safeguards to protect Customer Information.
Continually assess new technology for protecting information and upgrade our systems when appropriate.

Collecting Information
We collect and use various types of information to service your accounts, save you time and money and better understand your needs. We want to help you learn more about products and services that may be of interest to you.

Customer information we collect is categorized as the following five types:

Information you provide to us on applications for service.
Information about your transactions and account experience with us, such as your account balance, payment history, or information about our communication with you.
Information from a consumer report, such as information regarding your creditworthiness or credit history.
Information from outside sources regarding your employment, credit or other relationship with you or verifying representations made by you, such as your employment history, loan or credit card balances if applicable.
Other general information we obtain about you that is not assembled for the purpose of determining your eligibility for credit, employment or other product or service you request, such as demographic information.

Managing information for your convenience
The information we share helps us bring you greater convenience and more choices. We limit who receives Customer Information and what type of information is shared.

Sharing information within Inova Suisse. is made up of our operations and servicing departments.

Inova Suisse. may share all five types of customer information referenced above among our departments, to which the policy applies, except as limited below.

You can limit information shared about you. If you do not want us to share information from your applications, consumer reports or from other outside sources, please tell us of this request by:

Inova Suisse
ATTN: Privacy Department
14 rue du Rhone
CH-1204 Geneva
Send us an e-mail through our web site.

Please note that this request will apply to information from applications, consumer reports and other outside sources only, and may take 3-4 to be fully effective. Through the normal course of doing business, including servicing your accounts and better serving your financial needs, we will be required to continue sharing transaction and account experience information, as well as other general information within our company.

Disclosing information in other situations
We may also disclose any of the five types of Customer Information to credit bureaus and similar organizations, and otherwise when permitted by law. For example, this may include:

A disclosure in connection with a subpoena or similar legal process
A fraud investigation
An audit or examination
The sale of your account to another financial institution.

Reducing direct marketing from other companies
If you would like to reduce the amount of advertising you receive from companies outside the Inova Suisse., you can write to the following agencies:

If you would like to have your name taken off all pre-approved credit solicitations you can write to the following credit reporting bureaus or call 1.888.5OPTOUT (888.567.8688). Be sure to include your full name, current address, social security number and telephone number.

Experian
Consumer Opt-Out
901 West Bond
Lincoln, NE 68521
Equifax.
Options
P.O. Box 740123
Atlanta, GA 30374-0123
Trans Union Corporation
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328

Online Privacy Practices

Committed to your online privacy and security.
We strive to keep you informed about how we protect your online activity at www.inovasuisse.com The following online practices demonstrate our commitment to maintain your online privacy and security.

Protecting your security online. Inova Suisse employs technology and other security practices shown to protect personal information from unauthorized disclosure or use.
Gathering and using online information. We gather and use information so we can better serve your needs.
Taking individual responsibility for protecting personal information. You play an important role in safeguarding any personal information you may share online.

Protecting your security online
Keeping financial and personal information secure is one of our most important responsibilities. We value your trust and handle personal information with care.

Secure transmissions
To ensure information remains confidential, Inova Suisse. uses encryption technology such as Secure Socket Layer (SSL) on its Web sites to transmit information between you and Inova Suisse.

E-mail security
Regular Internet e-mail is not secure. When Inova Suisse provides Internet e-mail addresses; you should use them to provide information that is non-sensitive and non-confidential. We ask that you do not provide personal or account information through e-mail. You may also contact us by phone or mail.

Gathering and using information online
Inova Suisse. collects and uses the information you provide us online to respond to your needs, and service your accounts.

Linking to other sites
We may provide links to non-Inova Suisse. companies, such as credit bureaus or merchants. If you choose to link to Web sites not controlled by Inova Suisse., we are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these Web sites we strongly urge you first to study carefully their Privacy Policies.

Taking individual responsibility for protecting personal information
While Inova Suisse. works to protect your privacy, you also play a role in protecting personal information.

Your role To help safeguard information, we suggest the following:

Do not share your ID or password with anyone.
Only provide your Banking information when your browser indicates an encrypted connection, such as Secure Socket Layer (SSL), directly to the Inova Suisse, Inc. web site or to another site you have investigated and fully trust.