1. Protection of Information. Bank of Morton recognizes its customers’ needs and expectations of privacy and confidentiality when dealing with personal financial information. We maintain standards and have policies in place designed to protect their privacy and to restrict unauthorized access to customers information. Bank of Morton maintains security standards and procedures to prevent unauthorized access to confidential customers information. We update and test our technology to improve the protection of our customer information and to assure the integrity of our information.
2. Collection Use and Retention. Bank of Morton will collect, use and retain information about customers that is necessary to allow us to provide superior service and products tailored to customer needs, and to offer opportunities that we think will be of interest to and benefit our customers. We collect non-public personal information about our customers from the following sources:
* Information we receive from customers on applications or other forms;
* Information about transactions with us, or others; and
* Information we receive from consumer reporting agencies.
* Information that is generated electronically when you visit our website or use our online financial services.
We will tell our customers why we are collecting and retaining this information at their request.
3. Maintenance of Accurate Information. Bank of Morton has procedures in place to assure that customers’ financial information is accurate, current and complete. We have procedures in place to respond to customer requests to correct inaccurate information in a timely manner. We will comply with all federal and state laws and regulations regarding accurate information. Customers are encouraged to notify us immediately if they receive information regarding their business with the bank that they believe to be inaccurate.
4. Limitation of Employee Access. Bank of Morton will insure that any employee that has access to customers’ information has a business reason for that access. Bank of Morton discusses with all employees the importance of maintaining confidentiality of any and all customer records. The privacy of customer information is stressed in the bank’s Code of Conduct that is signed by all employees, and employees are notified that should this policy be violated, appropriate disciplinary measures will be taken.
5. Restrictions on Disclosure of Account Information. Bank of Morton does not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.
6. Privacy in Business Relationships for Ancillary Products and Services Maintained. Bank of Morton is very selective in choosing third parties that assist us in the delivery of products and services to our customers. There will be occasions when we partner with third parties that are unaffiliated with us in order to offer ancillary products and services that may be of benefit to our customers. Such arrangements may require sharing of customer information collected as described in Section 2 above to companies that perform marketing services on our behalf and with whom we have joint marketing arrangements. When we enter into such a partnership we will require these third parties to adhere to similar privacy principles.
7. Former Customers. Confidential information of persons who are known to no longer be customers of Bank of Morton, will be handled on the same basis as if such person were still a customer.
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.
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 do not sell any of your personal information.
We do offer aggregation services through our online banking product.Aggregation allows you to consolidate your accounts from other providers so that you can view all of your accounts in one location.We do not disclose any of the information consolidated through this service.We may use aggregate information, which is not personally identifiable, to better understand the types of account(s) or services which may be most beneficial to you.
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 601 732-8944 or forward the email to email@example.com.
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.