Privacy
Privacy Statement
Visitors to this bank Web site 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:
The bank uses this information 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 email and/or online registration forms. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.
Some areas of our Web site 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.
Security Statement
This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption and a router loaded with a firewall to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.
Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and the customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.
Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router is a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your Internet banking transactions are secure.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We recognize, respect and protect the personal privacy right of our customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as the personal information of all consumers who visit our institution and Web site.
THIS IS OUR PRIVACY NOTICE FOR OUR CUSTOMERS
We, our, and us, when used in this notice, mean Citizen State Bank of Lankin. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure the information. We first define some terms.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
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Information you give us on applications or other forms
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Information about your transactions with us
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Information about your transactions with our affiliates
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Information about your transactions with other parties
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Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.
YOUR INFORMATION AND OUR AFFILIATES
We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:
Transaction and experience information from our account records:
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
Types of Affiliates
We may disclose information about you to the following types of affiliates:
Reasons For Disclosure
We may disclose information about you to our affiliates to provide you with information about additional products and services.
YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account to prevent unauthorized transactions.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law.
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