The collection, storage and sharing of customer information is an important part of delivering useful baking products and services to consumers. To serve you, as a consumer, efficiently and conveniently, we have to make use of the modern technology and customer information. We know that you are concerned about privacy and our use of the information you give us. We are committed to an ongoing review of our procedures and policies in the interest of protecting your privacy.
Privacy of Information
Visitors to our bank’s Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:
(1) Date and time out site was accessed
(2) IP address (A numeric address given to servers connected to the Internet)
(3) Web browser used
(4) City, State, and country
If collected, the bank would use this information only to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via E-mail, online registration forms, or our guest book. Any information provided would only be used internally, as appropriate, to handle the sender’s request. Information you provide will not be disseminated or sold to other organizations. Some areas of our Website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
Protection & Confidentiality of Nonpublic Personal Information
We are providing this notice as required by the Federal Financial Privacy Law and the Fair Credit Reporting Act.
We limit access to nonpublic customer information about you to our employees who need to know that information for us to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Nonpublic personal information means personal financial information about you that we collect in connection with providing you with a financial product or service that is not made publicly available.
Categories of Nonpublic Personal Information FFB May Collect
When appropriate in conducting business, we may collect nonpublic information about customers from a variety of sources:
- Information the customer has provided on applications or other forms
- Information about the customer’s transactions with us, our affiliates or others
- Information we may obtain from consumer credit reporting agencies
- Information from third parties such as employment verification and property insurance coverage.
Categories of Nonpublic Personal Information FFB May Disclose
We may disclose nonpublic personal financial information about you to companies that perform marketing services on our behalf or to financial institutions or securities companies with whom we have joint marketing agreements. We will disclose, as permitted by law, but only if directed by you, nonpublic personal information about you to our affiliates(s) or future affiliate(s).
These affiliated companies are or will be financial service providers, such as title companies or insurance companies. We may also disclose nonpublic personal financial information about our customers or former customers to non-affiliated third parties as permitted or required by law or authorized by you. We do not sell nonpublic information to telemarketers.
If you no longer do business with us, we will continue to protect your nonpublic personal information using the same policies and practices.
Encryption, Firewalls, and Other Protection
All requests must pass or filter through a router and firewall before they are permitted to reach our server. A router is a piece of hardware that works in conjunction with the firewall. The firewall is a piece of software that blocks and directs traffic coming into our server. This configuration only allows traffic necessary to process acceptable data requests, such as sending customer requests to the bank or retrieving web pages.
All personal and account information that passes between your computer and First Freedom Online Banking is encrypted. This means that while your information is in transit, it is scrambled so that only First Freedom Bank’s computer equipment can reassemble it to its original text format. When our bank sends personal account information to you, it is also encrypted so that only your computer can decipher it and reconstruct the data transmitted.
Frequently Asked Questions
What are cookies?
A cookie is a file sent from a website to your computer’s hard drive that is logged on to the site. This file allows the site to recognize whether the computer has been there before and what security requirements and browser preference the computer requires.
Only the site that sent the cookie can read the cookie, and only information that has been given directly by the logged-on user to the site is accessible. Computer viruses cannot be transmitted through cookies.
Do I have to accept cookies?
You as a customer can choose not to accept cookies. You may do this by making the appropriate selection from your browser options. However, certain services require cookies for effective delivery. Whenever this is the case, you will be informed that you will need to allow cookies if you wish to receive the service. Cookies also make your visit to a site simpler by keeping you from having to re-enter your password every time you change pages within a secure session.