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Clear Lake Bank & Trust


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Privacy Policy

Online Privacy Policy


This online Privacy Policy (“Policy”) applies to the use of online services offered, owned, or controlled by Clear Lake Bank & Trust (“Bank”, “we”, “us”, or “our”), including but not limited to our website and mobile applications. 

This Policy describes how we may collect, share, and use information about you based on your interaction with our online sites, mobile applications, online advertisements, third-party websites, and Bank branded social media sites (“Online Services”) and the choices you can make about how your information is collected and used.  By using or accessing our Online Services, you confirm your agreement to the terms and conditions of this Policy, and other application specific policies, in effect at that time and consent to our use of cookies and similar technologies. 

What Information We Collect:

  • Personal Information: When you use our Online Services, we collect personal information that you provide via messaging and online fields.  This information may include you name, mailing address, email address, telephone number, geolocation, photographs, biometric, and other personal information you may provide.  If you have a financial product or service with us, we will share and use information we collect from or about you in accordance with our Privacy Policy listed below. 

  • Non-Personal Information: Non-personal information we may collect from your use of our Online Services may include your IP address, browser and/or device information, including location information, if enabled on your device, type of operating system you are using, information about the site or advertisement that brought you to our Online Services and the parts of our Online Services that you use. 

How We Collect Information:  We collect information through various means, including the information you provide directly to our Online Services, information collected through a third party, and in an automated manner through your browser, cookies, or other technologies as applicable. 

Cookies are small text tiles that are stored on your computer or mobile device that allow us to collect certain information such as your browser type, the time you spend on our online sites and the pages you visit.  Many internet browsers allow you to refuse cookies, but doing so may cause you to be unable to access certain aspects of our Online Services. 

How We Use Information:  The information we collect from and about you is used to improve your service and experience with our Online Services.  We may use your information to:

  • Process your requests, transactions, applications, and inquiries.
  • Verify your identity using location-based data.
  • Allow you to apply for products or services and evaluate your eligibility for such products or services.
  • Provide you with updates on your accounts, products, and services, such as changes to terms and conditions.
  • Inform you of important information regarding products and services for which you apply or may be interested in applying for, or which you are already enrolled in.
  • Allow you access to your online account.
  • Deliver advertising to you.
  • To increase security of our Online Services, for risk control and for fraud detection and prevention.
  • Provide you with personalized offers and customize your experience with us.
  • Comply with applicable legal requirements.
  • Perform analytics concerning your use of our Online Services, including the pages and advertisements you are viewing utilizing Google Analytics.
  • Monitor usage and/or performance, improve customer experience on our Online Services, ensure compatibility with computers or other mobile devices.

How We Share Information:  If you are a Bank customer, we may share personal information that we collect about you with our service providers and non-affiliates in accordance with our Privacy Policy listed below.  

  • Service providers. We may disclose certain personal information and non-personal information we collect from your use of our Online Services to companies that perform services on our behalf, including those who assist us in processing transactions, preparing and mailing statements and responding to user inquiries. 
  • Non-Affiliates. We may disclose information about you to non-affiliates as required or permitted by law, such as complying with a subpoena, responding to inquiries from government authorities or defending legal actions. 

Android and iOS App Permission.  When you download our app on a mobile device, you may be prompted to accept certain permissions.  The permissions that may be requested by our app are shown below:

  • Location – We may need this information for security purposes, or to provide certain location-based services (i.e. to locate a Bank office or ATM).
  • Phone – We may need this information to permit one-touch dialing within our app. Bank will not access your phone log. 
  • Camera/Photos/Media – With your permission, our app will capture information to authenticate access or to process transactions (i.e. facial recognition, mobile deposits). With your permission you may access your photos to change your app profile picture. 
  • Device and App History – We may use this information to:
    • Authenticate you and your device.
    • Determine the eligibility of your device.
    • Communicate with your device (i.e. push notifications).

Your Choices:  To prevent tracking of your online activity, your browser may allow you to configure your browser’s cookie settings or use a browser plugin.  If you choose to reject or disallow cookies, the functionality we provide when you visit our Online Services may be limited and you may not be able to access your accounts online. 

We or our third-party advertising services providers may use certain information about your online activities, such as websites visited and searched words entered, to help determine which of our advertisements may be of interest to you.  You may visit Google Analytics terms of service for more information. 

How to Protect Your Personal Information:  It is important that you protect your personal information.  We will never request personal information, such as Social Security Number, account numbers, PINs, or passwords by email, phone call, or texts.  If you receive an email, phone call, or text message that appears to be from us asking for your personal information, please contact us immediately at 641.357.7121. 

Contact Us:  If you have any questions about this Policy or our Online Services, please contact us at 641.357.7121. 

Dated 03.18.2024


What Does Clear Lake Bank & Trust Company Do With Your Personal Information?

Rev. Date 12/6/19 

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 account balances
  • Payment history and overdraft history 
  • Account transactions and checking account information 
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 Clear Lake Bank & Trust Company chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Clear Lake Bank & Trust Company 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 our non-affiliates to market to you No We don't share

To limit our sharing: Call 641.357.7121 or 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? Call 641-357-7121

Mark and/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.

Name :


Mail to Clear Lake Bank & Trust Company, PO Box 8, Clear Lake IA  50428

Who We Are
Who is providing this notice? Clear Lake Bank & Trust Company
What We Do
How does Clear Lake Bank & Trust Company protect my 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. 
How does Clear Lake Bank & Trust Company collect my information? We collect your personal information, for example, when you
  • Open an account or use your credit or debit card 
  • Apply for a loan or show us your driver's license
  • Give us employment history 
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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and non-financial companies. 
  • Our affiliates include others, such as CLB&T Insurance and Financial Services Inc.
Companies not related by common ownership or control. They can be financial and non-financial companies. 
  • Clear Lake Bank & Trust Company does not share with non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you. 
  • Clear Lake Bank & Trust Company's joint marketing partners include companies such as credit card companies.
Other Important Information
You may also view this information on our website at