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ROBERT LEE STATE BANK
INTERNET PRIVACY POLICY
JUNE 18, 2008
This Internet Privacy Policy explains how we may collect
information from you when you visit our web site
or when you use our online financial services.
Our Institution recognizes 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,
at our ATM, or on the Internet.
We think it is important for you to be informed of the
policies, procedures, and security measures that
we have in place to safeguard your personal and
confidential information. With that in mind, we have
developed an Internet Banking Policy to help you to
understand the steps we take to protect your personal
information when you utilize our Internet Banking
System.
In addition to the protections discussed within this
Internet Privacy Policy, your online financial
activities may also be protected by our general privacy
policy.
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 a 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 memory7, or in your browse 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 as they perform a very important function in
security 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 proce3ssing of multiple
transactions during a session without requiring
you to reenter your password 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. Therefore, 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
password. Our institution does not use this
Cookie to collect or obtain personal information on 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: web 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
browsing through our website, we do not request any
personally identifiable Customer information, nor do we
collect uniquely identifiable information about
you unless you voluntarily and knowingly provide us that
information. If you provide us with any
personal 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 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
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 website;
-
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.
Use of
Information Collected
-
We may
disclose the information that we collect, as
described above, with our Service Providers
acting on our behalf to provide online financial
services such as: Internet Banking and Online 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 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
must do.
-
We do
not disclose any Customer Information about our
customers, former customers, website
visitors to anyone, except as permitted or required
by law.
-
We do
not sell any of your personal information.
Email Policies
-
When
you enroll for Online Bill Payment you will receive
a welcome email from Online Resources.
-
If for
some reason, an Online Bill Payment transaction
rejects, you will receive an e-mail from
On-line Resources stating that the transaction did
not process. Online Resources will try to process
the transaction a second time.
-
For
more information regarding e-mail policies, you may
contact us at 325-453-2545.
-
Beware
of Phishing Attempts and Internet Scams
-
While
e-mail 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, and other
pertinent personal identification. 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 is important to look very
closely at the website address.
Below are some
tips to help protect your personal identity on the
Internet:
-
Always
be aware of links in emails, especially any links in
emails purporting to be from this
Institution. Our Institution will never send any
information to you via e-mail!
-
When
you are entering our Internet Banking website,
always look for the personal image and
passphrase. If this image and passphrase does not
appear when accessing your personal information on
our website, close out of the site and call our
Institution at 325-453-2545.
-
Make
sure that your computer always has up-to-date
versions of both anti-spyware and anti-virus
software.
-
Update
your Internet browser! Most browsers now offer free
anti-phising tool bars that can help
alert you of fraudulent websites.
-
If you
have any questions about the legitimacy of an email,
especially an email from our
Institution,
you can call the Bank at 325-453-2545.
External 3rd
Party Links
Our website may include links to other 3rd party
websites. These links to external 3rd parties are
offered as a courtesy and a convenience to our
customers. When you visit these sites, you will receive
a
pop-up stating that you are leaving our website and
being directed to another site.
This Institution does not control 3rd party websites. We
are not an agent for these third parties nor do
we endorse of 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 differ from our
policies. Therefore you should carefully review 3rd
party policies.
If you have questions or concerns about the privacy
policies and practices of linked 3rd parites, please
review their websites and contact them directly. This
Internet Privacy Policy applies solely to the
Customer Information collected by this Institution.
Security
Our Institution and our Service Providers have developed
strict policies to safeguard your Customer
Information. Our policies require confidential treatment
of your personal information. Employee access
is restricted to any and all of your personal
information on a “need to know” basis. Appropriate
disciplinary measures are taken 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, our 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 to protect the
transmission of your confidential information.
Whenever you login to our Internet Banking
product or schedule an online transaction
through Online Bill Payment system, the
communication is encrypted. Encryption scrambles
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 account.
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. Our
Institution respects the privacy of children.
We do not knowingly collect names, email 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.
Our Website may include linked 3rd party sites that
would be of interest to children. We are not
responsible for the privacy and security practices of
these 3rd party sites. Parents should review the
privacy policies of these sites closely before allowing
children to provide any personally identifiable
information. Parents can also be proactive by installing
filtering software that provides more control
over the family’s internet experience.
Privacy Updates
This policy may be updated from time-to-time as new
products and features may require changes to our
Internet Privacy Policy. The effective date of our
policy will always be clearly displayed.
Questions
If you have any questions about our privacy policy or
concerns about our privacy practices, please
contact us at 325-453-2545 or you may contact us in
writing at P.O. Box 549, Robert Lee, Texas
76945-0549
TEXAS NOTICE
The Robert Lee State Bank is chartered under the laws of
the State of Texas and by state law is subject to
regulatory oversight by the Texas Department of
Banking. After first contacting Robert Lee State Bank,
if you still have an unresolved complaint regarding
Robert Lee State Bank, consumers may file complaints
with the Texas Department of Banking by contacting the
department through one of the means indicated below:
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