spying on confidential documents
We recognize the importance our customers place on the privacy and 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, or on the Internet.
Below are several definitions of terms used within this policy:
Customer Information – Customer Information refers to personally identifiable information about a consumer, customer or former customer of this Institution.
Internet Protocol (IP) Address – an IP address is a unique address that devices use in order to identify and communicate with each other on a computer network. An IP address can be thought of as a street address or a phone number for a computer or other network device on the Internet. Just as each street address and phone number uniquely identifies a building or telephone, an IP address can uniquely identify a specific computer or other network device on a network. We may use IP addresses to monitor login activity and for identification purposes when necessary for security investigations.
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 are a basic way for a server to identify the computer you happen to be using at the time. 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 in secure Internet banking.
“Session” Cookies are used to monitor session activity within our Internet banking product. These Cookies are encrypted and only our Service Provider can read the information in these Cookies. The session Cookie facilitates the processing of multiple transactions during a session without requiring you to reenter your passcode for each individual transaction. Session Cookies used within our Internet banking product 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. 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 passcode. We do not use this Cookie to collect or obtain personal information about you.
An encrypted non-expiring Cookie is also used within our Internet banking product for the identification of this Institution.
Service Provider – In order to provide a full range of online financial services, we may use various third party providers. These third parties provide services such as: website hosting, Internet banking, bill payment, and account aggregation. Third party providers are referred to within this policy as “Service Providers”.
Information Collected on the Internet
If you are just browsing through our website, we do not request any personally identifiable Customer 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.
As part of providing online financial products or services, we may obtain information about our customers and website visitors from the following sources:
Service Providers hosting our website and Internet banking service may collect general information on our website visitors for security and statistical purposes. Such information may include:
When you click on advertisements in our website or advertisements on linked 3rd party web sites, you may receive another Cookie; however, you do not have to accept any Cookies from third party advertisements.
Use of Information Collected
Account aggregation sites allow you to consolidate account information from several sources into one online location. In order to provide this service, an aggregation provider may request your passcode and login information. You should ensure that the aggregation provider has appropriate policies to protect the privacy and security of any information that you provide.
If you provide information about your Security Bank accounts to an aggregation provider, we will consider all transactions initiated by an aggregator using the access or login credentials that you provide, to be authorized whether or not you were aware of a specific transaction.
If you decide to revoke the authority given to an aggregation provider, we strongly recommend that you also change your online passcode with this Institution. This will help ensure that the aggregation company cannot continue to access your account(s) with us.
When you enroll for our online services, we will send you a welcome email. We may also send emails marketing various products and services offered by this Institution. We will always provide you an opportunity to opt-in or opt-out of marketing related emails.
We will also send security related email notices when you sign-up for email (“notify me”) alerts on your account(s) or whenever you change your passcode, security question, or email address.
Beware of Phishing Attempts and Internet Scams
While email is convenient and has a good business use, it can also be misused by criminals for scams and various other fraudulent purposes. “Phishing emails” are frequently used by criminals to entice the recipient to visit a fraudulent website where they try to convince the recipient to provide personal information, such as ATM card numbers, account numbers, Social Security numbers, access IDs and passcodes. Some of these fraudulent websites may also be virus laden and can be used to download mal-ware to your computer. Fraudulent websites often look identical to a legitimate site, so it’s important to look very closely at the website address.
Below we have listed a few tips to help protect your personal information on the Internet:
External 3rd Party Links
Our website may include links to other 3rd party web sites. These links to external 3rd parties are offered as a courtesy and a convenience to our customers. When you visit these sites, you will leave our website and will be redirected to another site.
This Institution does not control linked 3rd party web sites. We are not an agent for these third parties nor do we endorse or guarantee their products. We make no representation or warranty regarding the accuracy of the information contained in linked sites. We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely.
While using our website, you may still see our logo when linking to a 3rd party site. A technique called “Framing” allows us to display our logo and look and feel while allowing you to browse another site at the same time. It’s important to note that while you may still see our logo and frame, any information you provide to a 3rd party is not covered by our privacy or security policies.
This Institution and our Service Providers have developed strict policies and procedures to safeguard your Customer Information. Our policies require confidential treatment of your personal information. We restrict employee access to your personal information on a “need to know” basis and we take appropriate disciplinary measures to enforce employee privacy and confidentiality responsibilities. We have established training programs to educate our employees about the importance of customer privacy and to help ensure compliance with our policy requirements.
Furthermore, this Institution and our Service Providers maintain strong physical, electronic and procedural controls to protect against unauthorized access to customer information. Our computer systems are protected in the following ways:
We continually monitor technological advances and upgrade our systems to ensure your information remains secure.
Privacy of Children
COPPA, the Children’s Online Privacy Protection Act, protects children under the age of 13 from the collection of personal information on the Internet. This financial institution respects the privacy of children. We do not knowingly collect names, emails addresses, or any other personally identifiable information from children. We do not knowingly market to children, nor do we allow children under 13 to open online accounts.
Recently, Security Bank has seen significant changes in the internet banking threat landscape. Fraudsters have continued to develop and deploy more sophisticated, effective, and malicious methods to compromise authentication mechanisms and gain unauthorized access to customers’ online accounts. Rapidly growing organized criminal groups have become more specialized in financial fraud and have been successful in compromising an increasing array of controls. Various complicated types of attack tools have been developed and automated into downloadable kits. Fraudsters are responsible for losses of hundreds of millions of dollars resulting from online account takeovers and unauthorized funds transfers. Security Bank is providing the below security awareness information for your use and action to help protect you online account and transaction information.
Below are the protections and liabilities for consumer transactions using Security Bank’s internet banking program:
To access our Internet Banking service, you must use the Login ID and/or other means of access we establish or provide for your Internet Banking Customer Account together with a Passcode. It is your responsibility to safeguard the Login ID and Passcode. Anyone to whom you give your Internet Banking Login ID and Passcode or other means of access will have full access to your accounts even if you attempt to limit that person’s authority
You, or someone you have authorized by giving them your Internet Banking Login ID and Passcode or other means of access (even if that person exceeds your authority), can instruct us to perform the following transactions:
• Make transfers between your qualifying accounts to the extent authorized;
• Obtain information that we make available about your qualifying accounts;
• Obtain other services or perform other transactions that we authorize.
You must have enough money or credit in any account from which you instruct us to make a payment or transfer. You also agree to the Terms & Conditions of your deposit account that you received when you opened your deposit account.
Your Internet Banking payments and transfers will be indicated on the monthly or quarterly statements we provide. Please notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement, or statement information.
UNAUTHORIZED TRANSACTIONS OR LOSS OF THEFT OF YOUR INTERNET BANKING ID OR PASSCODE
If you believe your Internet Banking Login ID or Passcode or other means of access have been lost or stolen or that someone has used them without your authorization, call us immediately at (870) 786-5416, during normal business hours or write us at Security Bank, P.O. Box 7, Stephens, AR 71764. Immediately contacting us by phone is the best way of reducing your possible losses. If you have given someone your Internet Banking Login ID and Passcode or other means of access and want to terminate that person’s authority, you must change your Login ID and passcode or other means of access or take additional steps to prevent further access by such person.
You may terminate your Internet Banking Agreement at any time upon giving Security Bank written notice of the termination. If you terminate, you authorize us to continue making transfers you have previously authorized until we have had a reasonable opportunity to act upon your termination notice. Once we have acted upon your termination notice, we will make no further transfers or payments from your Internet Banking Account. If we terminate your use of your Internet Banking Account, we reserve the right to make no further transfers of payments from your account including any transactions you have previously authorized.
You are responsible for all transfers you authorize using the Internet Banking services under this Agreement. If you permit other persons to use your Access Code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Access Code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down.
For Internet Banking transactions, if you tell us within 2 business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within 2 business days after you learn of the unauthorized use of your account or Access Code, and we can prove that we could have prevented the unauthorized transaction if you had told us in time, you could lose as much as $500 or more. Your liability for unauthorized loan transactions through the Internet Banking service will not exceed $50.00.
Also, if your statement shows Internet Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days of the mailing date of your statement, you may be liable for the full amount of the loss if we can prove that we could have prevented the unauthorized transactions if you had told us in time. Should some emergency such as extended travel or hospitalization prevent you from contacting us, a reasonable extension of time will be allowed.
Limitation of Liability for Internet Banking Services. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible for any loss or property damage, whether caused by the equipment, software, Security Bank, or by Online browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Neither we nor the service providers will be responsible for any direct, indirect, special or consequential economic, or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Security Bank Internet Banking services or Internet Browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Security Bank Internet Banking Services and may have referred to such communication as “secured,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusions or limitation of such damages, our liability is limited to the extent permitted by applicable law.
Additionally, Security Bank will not be liable for the following:
a. If, through no fault of ours, you do not have enough money in your account to complete a transaction, your account is inactive or closed, or the transaction amount would exceed the credit limit on your line of credit.
b. If you used the wrong Access Code or you have not properly followed any applicable computer, Internet, or Any Bank user instructions for making transfer and bill payment transactions.
c. If your computer fails or malfunctions or the Internet Banking service was not properly working and such problem was or should have been apparent when you attempted such transaction.
d. If, through no fault of ours, a bill payment or funds transfer transaction does not reach a particular creditor and a fee, penalty, or interest is assessed against you.
e. If circumstances beyond our control (such as fire, flood, telecommunications outages or strikes, equipment or power failure) prevent the transaction.
f. If the funds in your account are subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, or suspected fraud.
g. If the error was caused by a system beyond the Security Bank’s control such as a telecommunications system, or Internet service provider.
h. If you have not given the Security Bank complete, correct, or current information so Security Bank can process a transaction.
Billing Errors. In case of errors or questions about your Internet Banking transactions, telephone us at the phone number or write us at the address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.
a. Tell us your name and account number.
b. Describe the transaction you are unsure about, including the transaction confirmation or reference number if applicable, and explain as clearly as you can why you believe it is an error or why you need more information.
c. Tell us the dollar amount of the suspected error.
The following two paragraphs apply only to consumer accounts (an account belonging to a natural person and used primarily for personal, family, or household purposes):
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account.
If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.
Security Bank will never contact any customer and request electronic banking credentials. If you get a call asking for your credentials, hang up and call us!
Internet Banking Problems, Concerns, or something doesn’t look right? Call us at(870) 786-5416.
Effective Date: June 01, 2012