We recognize 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 person or online.
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. We have developed this policy to help you to understand the steps we take to protect your personal information when you utilize our Portal services.
Collection and Use of Information
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 your email address.
In the future we may use this address to send you email notices for certain required regulatory disclosures, but only if you have previously accepted online disclosures. We may also send you emails to market our financial products and services that may be of interest to you. In addition, we may also provide you an opportunity to subscribe to a newsletter; however, we will always provide you an opportunity to opt-out of electronic disclosures and newsletters if required by law.
Service Providers hosting our website and online bill pay may collect general non-personally identifiable information that is generated electronically when you visit our website. This information is collected on our behalf simply for administrative, statistical, and security purposes so that we may provide services to you. Our Service Providers may use a “web-trend cookie” to collect some of this general information on website visitors.
The information collected electronically and through this web trend cookie includes the following:
- 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;
- The Internet service provider you used when you accessed our site;
- Your Internet Protocol (IP) address; and
- The pages visited in our website.
Additional information about IP addresses and cookies are provided below.
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.
When collecting information for us, our Service Providers do not link IP addresses to anything personally identifiable, which means that a user’s session will be logged, but the user remains anonymous.
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; and cookies don’t carry viruses. 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.
Our Service Providers utilize other cookies simply to facilitate the customization and personalization of the website. For your security, our Service Providers do not store any of your personal information in these cookies, which are further described below.
Other Information Collected through Portal Cookies:
When visitors register on the website and select the “Remember Me” checkbox, Our Service Providers send additional cookies to your hard drive, which enable you to customize the website and bypass the login process each time you revisit the website. These cookies are retained on your computer until you either delete them or click on the Logout link within the website. These cookies only contain a unique user identification number and do not contain or collect any personally identifiable information.
When registered users login to the website, Our Service Providers send an additional cookie called a “per-session” cookie or “server-side” cookie. This “server-side” cookie resides in the browser and is only used by our Service Providers to monitor the session by a unique identification number. This cookie is used for security purposes and you must allow your browser to accept the “server-side” cookie to use the website. The cookie is destroyed after eight hours.
When you click on advertisements on the website or at 3rd party merchants within the website, they may also send you a cookie to collect general non-personally identifiable information. You do not have to accept these cookies to use the website.
Disclosure of Information to Third Parties
We do not disclose any nonpublic personal information about our registered website customers or visitors to anyone, except as permitted or required by law. We must share this information with, our service provider for the website. Our Service Providers have a confidentiality agreement with us to protect your personal information to the same extent that we must do.
We do not sell any of your personal information.
In the future, we may share a portion of the aggregate customer information that we collect on the website with companies or financial institutions that perform marketing services on our behalf. We have such an agreement with our Service Providers. Our contract requires our Service Providers to protect the confidentiality of your personal information to the same extent that we must do. The disclosure of certain aggregate information to our Service Providers or other companies would only be used to help us market and/or display financial products and services that may be of particular interest to you or save you money. We will provide you an opportunity to opt-in or opt-out of such disclosure if required by law.
External 3rd Party Links
We have 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 service providers have also developed security policies and procedures to protect the customer information that they must collect and maintain to help us provide website services to you over the Internet. They have developed a top-of-the line data center and security procedures to ensure that your customer information is protected within our Service Provider’s environment.
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. We respect 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 knowingly allow children under 13 to utilize online bill pay services.
You are welcome to contact us by phone or email, or you can visit with us in person.
After reviewing the information, if you believe any of the information is in error, you can let us know either by phone or email, or you can or send us a letter that explains the alleged discrepancy. If the information is incorrect, we will work with you to ensure your information is promptly updated. In addition, if you believe any information that we or our Service Providers have collected about you has been used for an improper purpose; please contact us and explain your concerns in as much detail as possible so that we may take any appropriate action.