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:
Date and time our site was accessed
IP address (A numeric address given to servers connected to the
Internet)
Web browser used
City, state, and country
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, 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 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, 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 First United
Bank.
When we use the words “you” and “your” we
mean the following types of customers:
•
Our consumer customers who have a continuing relationship by
purchasing or holding financial products or services such as
a(n):
•
Deposit account
•
Loan account
•
Credit card account
•
Safe deposit box
•
Retail installment contract we hold and service
•
Mortgage brokerage services
•
All IRA accounts for which we act as custodian
We will tell you the sources of the information we collect about
you. We will tell you what measures we take to secure that 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 non public 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 own
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:
• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information
INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any information about you to anyone, except
as permitted by law. Examples of this might include disclosures
necessary to service your account or prevent unauthorized
transactions.
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.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except
as permitted by law.
If you have any questions or concerns regarding financial privacy,
please contact us.
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