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:
- Information we receive from you on applications, emails, or other forms;
- Information about your transactions with this Institution and our affiliates;
- Information we receive from a consumer-reporting agency; and
- Information that is generated electronically when you visit our website or use our online financial services.
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:
- 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;
- Your Internet Protocol (IP) address;
- The pages visited in our website; and
- The duration of your online session.
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
- We may disclose the information that we collect, as described above, with Service Providers acting on our behalf to provide online financial services such as Internet banking and bill payment.
- We may also disclose Customer Information when required or permitted by law. For example, Customer Information may be disclosed in connection with a subpoena or similar legal process, fraud prevention, or security investigation.
- We may also share Customer Information outside this Institution when we have your consent, such as when you request a specific product like insurance or an investment product from a third party financial services provider.
- We may also disclose aggregate (not personally identifiable) Customer Information with Service Providers or financial institutions that perform marketing and research services on our behalf and with whom we have joint marketing agreements. Our contracts require all such Service Providers/or financial institutions to protect the confidentiality of your Customer Information to the same extent that we do.
- We do not disclose any Customer Information about our customers, former customers,
or website visitors to anyone, except as permitted or required by law.
- We do not sell any of your personal information.
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:
- Always be wary of links in emails, especially any links in emails purporting to be from this Institution.
- Please remember that if we send you an email, we will never ask for personal information such as your account number, ATM card number, PIN number, or social security number.
- Bookmark financial websites and use these bookmarks every time you visit the website.
- Whenever you enter personal information like your access ID or passcode, always look for the lock symbol, or https: in the address bar. Always click on the lock symbol and review the certificate details.
- Update your Internet browser! Most browsers now offer free anti-phishing tool bars that can help alert you of fraudulent websites.
- If you send us an email, please do not include any confidential, personal or sensitive information in the email message, as email messages are generally not secure. We do offer secure messaging through our Internet Banking product and you may use this secure messaging feature if you need to send us sensitive or confidential information.
- Make sure that your computer always has up-to-date versions of both anti-spyware and anti-virus software.
- If you receive an e-mail that you think could be a scam, delete it immediately or forward the email to firstname.lastname@example.org.
- If you have any questions about the legitimacy of an email, especially an email from this Institution, you can also call us at this number 870-786-5416.
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:
- Computer anti-virus protection detects and prevents viruses from entering our website, email, and computer network systems.
- Firewalls and intrusion prevention systems block unauthorized access by individuals or networks.
- We use encryption technology, such as Secure Socket Layer (SSL), to protect the transmission of your confidential information. Whenever you login to our Internet banking product or schedule an online transaction through our system, the communication is encrypted. Encryption scrambles transferred data so it cannot be read by unauthorized parties.
- We use strong multi-level authentication and behavior analysis to help prevent unauthorized access to your accounts. Multi-level authentication can help prevent access by someone who may have stolen your login credentials.
- We provide secure email through our Internet Banking product to help ensure that your communications with us are confidential.
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.
Customer Awareness for Internet Banking
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.
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
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.
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.
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
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
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
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
will never contact any customer and request electronic banking
credentials. If you get a call asking for your credentials, hang up and
Tips to Reduce the Risk in Internet
cookies on your Web browser:
When you surf,
hundreds of data points are being collected by the sites you visit.
These data get mashed together to form an integral part of your “digital
profile,” which is then sold without your consent to companies around
the world. By blocking cookies, you’ll prevent some of the data
collection about you. Yes, you’ll have to enter passwords more often,
but it’s a smarter way to surf.
your full birth date on your social-networking profiles:
Identity thieves use
birth dates as cornerstones of their craft. If you want your friends to
know your birthday, try just the month and day, and leave off the year.
download Facebook apps from outside the United States:
Apps on social networks can access huge amounts of personal information.
Some unscrupulous or careless entities collect lots of data and then
lose, abuse, or sell them. If the app maker is in the U.S., it’s
probably safer, and at least you have recourse if something should ever
usernames and passwords:
Keep your usernames
and passwords for social networks, online banking, e-mail, and online
shopping all separate. Having distinct passwords is not enough nowadays:
if you have the same username across different Web sites, your entire
romantic, personal, professional, and e-commerce life can be mapped and
re-created with some simple algorithms. It’s happened before.
Banking Problems, Concerns, or something doesn’t look right? Call us
Effective Date: June 01, 2012
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