This financial institution recognizes the importance our customers place on privacy and the security of their personal information. Our goal is to protect your personal information in every way that we interact with you, whether it's on the telephone, in our lobby, at one of our ATMs, or on the Internet.
We think it is important for you to be informed of the policies, procedures, and security measures we have in place to safeguard your personal and confidential information on the Internet and with that in mind we have developed the following policy.
Information We Collect on the Internet :
If you are just browsing through our website, we do not request any personally identifiable information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information, such as when you send us an email or complete an application online. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.
The service providers that host our web site may collect general information on our website visitors simply to help us provide banking and other financial services to you online. They may collect information on our behalf for security and statistical purposes such as:
The Internet address (referral site) which brought you to our web site;
The date and time you access our site;
The name and version of your web browser;
The Internet service provider you used when you accessed our site;
Your Internet Protocol (IP) address; and
The pages visited in our website.
Internet Protocol (IP) Addresses:
An IP address is a number that's automatically assigned to your computer whenever you're on the Internet. Web servers, the computers that "serve up" Web pages, automatically identify your computer by its IP address. Our service providers may use IP addresses to audit the use of our site. They can and will use IP addresses to identify a user when necessary for security purposes.
What is a Cookie?
A cookie is a very small text file sent by a Web server and stored on your hard drive, your computer’s memory, or in your browser so that it can be read back later. Cookies cannot “read” information about you from your computer or be used to “steal” information about you. Cookies are a basic way for a server to identify you (most cookies actually identify the computer you happen to be using at the time, not you personally). Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function when you engage in secure Internet banking. For your security, our Service Providers do not store any of your personal information in cookies. The cookies used in our Internet banking system are further described below.
Internet Banking Cookies:
Our Internet banking product uses encrypted cookies that do not pass to your computer’s hard drive. Instead, the cookie is stored in your computer’s memory, identifying only your computer while you are logged on. Only our service provider can read the information in these cookies. This Internet banking cookie allows us to process multiple transactions during your session without requiring you to reenter your pass code for each individual transaction. The cookies for Internet banking simply provide another level of security for our Internet banking product. When you log off, or close your browser, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity. It must then be renewed by reentering your pass code. We do not (and cannot) use this cookie to collect or obtain new personal information about you. You must allow your browser to accept this cookie so you can use the Internet banking product.
Disclosure and Use of Information Collected on the Internet:
We do not disclose any personal (non-public personal information) about our customers, former customers, or website visitors to anyone, except as permitted by law. We must provide certain customer account information to service providers, in order to provide the Internet banking service and process your Internet banking transactions.
We do not sell any of your personal information; nor will we disclose any medical information that you provide to us, unless you specifically authorize its disclosure.
We do re serve the right to disclose aggregate, general, non-personally identifiable information to service providers, consultants, and/or marketing companies in order to improve our product and help us market products and services that may be of interest you.
Email Policies :
We offer secure email to our customers through our Internet Banking service. You should always use the secure mail service anytime you send us sensitive personal information.
External 3rd Party Links:
Our Website has links to other 3rd party sites. These links are offered as a courtesy and a convenience to our customers.
Third party merchants may collect personal information from you when you visit their sites. For example, they collect personal information from you when you provide billing information or send them an email. Some third party merchants may also send you a cookie to collect data on your Internet usage and preferences. When you click on advertisements at third party sites, the advertising company may also send you a cookie. With the exception of our service providers, we do NOT have access to the information collected by any third party, nor can we control how they use this information. If you have questions or concerns about the privacy policies and practices of these third parties, please review their websites and contact them directly.
Bank of Commerce & Trust has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information to a "need to know" basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee privacy responsibilities.
Our Internet banking service provider has also developed security policies and procedures to protect the customer information that they must collect and maintain to help us process your banking transactions over the Internet. They have developed a top-of-the line security system to insure your customer information is protected on the Internet and within the data center environment. For more information on the our service provider's security measures, please visit their website at www.fundsxpress.com
Privacy of Children :
Bank of Commerce & Trust respects the privacy of children. We do not knowingly collect names or any other personally identifiable information from children on the Internet. We do not knowingly market to children nor do we allow children to open accounts online.