Online Privacy Guidelines
PROTECTING INFORMATION ON-LINE
Whether you are a current customer or just visiting us on-line, we safeguard the information you provide to us. We use state-of-the-art Internet technology, supported by outside companies we work with, to make on-line banking secure and to protect your personal information. How we use and protect this information is described below.
SECURITY
To ensure that your application remains confidential, the information is sent to us in a “secure session” established with Secure Socket Layer (SSL). SSL provides data encryption, server authentication, and message integrity for an Internet connection. SSL was developed to ensure private and authenticated communications. The customer’s Internet banking session will utilize SSL to secure the transaction from their browser to the Web server. Once a secure session is established, the data cannot be monitored by other users on the Internet. The SSL protocol can negotiate an encryption algorithm and session key, as well as authenticate a server before the application protocol is transmitted encrypted, ensuring privacy.
ENCRYPTION
Is the actual turning of words and numbers into a coded language that can only be read by the customer and the bank. If the key in the lower left corner of your PC monitor appears filled or “enclosed” in Netscape Navigator and the lock appears locked or solid in Microsoft Explorer, then the information is being encrypted. When it is not a secure session, Netscape’s key appears broken and Microsoft’s lock does not appear at all.
COOKIE
A cookie is a way for a secured server to establish a logon or session ID each time a customer authenticates connectivity. A cookie is placed with the customer’s browser each time they sign on. The cookie allows us to maintain continuity in a series of requests and responses. This additional precaution prevents a customer’s session from being “taken over” if the SSL or encryption failed; either of which is extremely unlikely.
Requests of on-line banking information are passed from the Web server to the Internet Banking server. The computer system does not connect directly to the Internet. It is isolated from the Internet network via routers, filters, and a firewall. A firewall is a device that controls the access that computers on the Internet have to the bank’s computer. Use of the firewall allows only valid traffic to reach the Web Server. Further protection is provided by yet another set of firewalls that sit between the Web server and the Application server.
For further customer protection, a logon ID and a temporary password will be established by the bank for the customer. The customer will be prompted during the initial logon process to enter their own customized password. This password will be authenticated during the logon process. This password can be changed by the customer as often as desired and will be prompted to do so periodically. The customer logon will never change. Also, for the customer’s protection, their on-line account will be disabled for a set period of time should the customer exceed the allowed number of logon attempts. The customer is responsible for the safeguarding of their customized password, which the bank will have no record of. You can assist us in maintaining the security of your banking information by not sharing your logon ID or password with anyone, by changing your password regularly, and by remembering to sign off.
After a customer has submitted an on-line application, we recommend that you end your browser session before leaving your computer.
We, along with the outside companies with which we work, may retain the information you provide to us, along with information we collect from outside sources, so that we can offer you services and accounts related to your financial needs.
HOW WE HANDLE E-MAIL
We retain the content of your e-mail, your e-mail address and our response so that we can more efficiently handle any follow-up questions or requests you may have. We also do this to meet legal and regulatory requirements. If we think that a particular bank service might apply to your situation, we may occasionally contact you at your e-mail address to inform you of potential benefits and availability.
Customers should be aware regular non-encrypted Internet e-mail is not secure. In the instances where First National Bank of Baldwin County Internet e-mail address is provided, it is provided for information inquiries of a non-sensitive and non-confidential nature. For secure on-line transmissions of information to us, you should use First National Bank of Baldwin County Contact Us at www.firstbaldwin.com. Inquiries sent through our Contact Us pages are secure and use Secure Socket Layer (SSL) encryption. Since an Internet e-mail response back to you would not be secure, we will not include confidential account information in an e-mail response. You may also contact us by phone, U.S. mail, or by visiting us at one of our physical locations: 1207 N. McKenzie, Foley AL ; 205 E. 20th Avenue, Gulf Shores AL; and 408 Fairhope Avenue, Fairhope AL.
PLANNING TOOLS AND CALCULATORS – NO DATA CAPTURE
There are planning tools and calculators throughout our web site to help you make financial decisions that are right for you in the privacy of your home. We encourage you to try all of your “what if” scenarios as often as you like. When you use the various planning tools and calculators on our web site, the calculations run on your PC or our server. We do not capture the personal information you provide on these planning tools and calculators.
PROTECTING CHILDREN
We do not knowingly solicit data from children, and we do not knowingly market to children. We realize that protecting children’s identities and privacy on-line is important and that the responsibility to do so rests with both the on-line industry and with parents and/or guardians.
OUR COMMITMENT TO YOUR PRIVACY
You can count on us at First National Bank of Baldwin County to keep you informed about how we protect your privacy and limit the sharing of information you provide to us, whether it’s through the Internet, in person, or by telephone.
Please note that since we cannot control information on other Internet sites, we are not responsible for the content of the sites linked from www.firstbaldwin.com.
MORE INFORMATION
If you have any questions or concerns or would like more information, please contact us by e-mail or call us at (251)943-5656.
