Internet Privacy Policy
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.
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, 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 that we have in place to safeguard
your personal and confidential information. With that in mind, we have
developed this Internet Privacy Policy to help you to understand the
steps we take to protect your personal information when you utilize
our online financial services.
In addition to the protections discussed within this Internet
Privacy Policy, your online financial activities may also be protected
by our general
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.
Our Service Providers may use Cookies to collect some the above
information. In some cases you must accept cookies in order to view
our website.
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.
As mentioned previously, our Service Provider(s) may also use
Cookies within our Internet banking and bill payment products. You
must accept these Cookies in order to utilize the service. These
Cookies do not store any personally identifiable information; they
simply provide another level of security.
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 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.
Account Aggregation
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 Sidney State Bank
Email Policies
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.
If you agree to accept electronic disclosures and/or online account
statements, we may also send you notices of important account updates
through email. For example, if you have agreed to accept disclosures
electronically, we may send you an email with updates to this privacy
policy and/or we may send you a notice that your account statement is
available for viewing on our website. For more information on how to
enroll for electronic disclosures, please contact us at (989)
328-2501.
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
spam@uce.gov.
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 (989)
328-2501.
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.
If you have questions or concerns about the privacy policies and
practices of linked 3rd parties, please review their websites and
contact them directly. This privacy policy applies solely to the
Customer Information collected by this Institution.
Security
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.
Privacy Updates
This policy maybe 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. If we
make any changes regarding the use or disclosure of your personal
information, we will provide you prior notice and the opportunity to
opt-out of such disclosure if required by law.
Questions
If you have any questions about our privacy policy or concerns
about our privacy practices, please contact us at
