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Internet Privacy PolicyCommunity First Bank, N.A. recognizes the importance that our customers place on privacy and the security of their personal information. Our goal is to protect your personal information in every way that we interact with you, whether it’s on the telephone, in our lobbies, at one of our ATMs or on the Internet. We think it is important for you to be informed of the policies, procedures, and security measures we have in place to safeguard your personal and confidential information. With that in mind, we have developed this policy to help you understand the steps we take to protect your personal information when you utilize our Internet services. Please also review our general “Privacy Statement” which is available on this website. We may utilize the services of third party providers to assist us in providing online services, such as website hosting and/or online banking. These third party providers are referred to within this policy as service providers. External 3rd Party LinksOur website has links to 3rd party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. Community First Bank, N.A. is not responsible for the privacy practices of other 3rd party websites nor do we endorse or guarantee their products. Third party merchants may collect personal information from you when you visit their sites. They may collect personal information from you when you provide billing information. They may also collect information from you if you send them an email. Some service providers may also send you a cookie to collect data on your Internet usage, preferences. When you click on advertisements at third party sites, the advertising company may also send you a cookie. Community First Bank, N.A. does not have access to this information, nor can we control how they use this information. You should look for and review each website’s privacy policy before giving out personal information. If you have questions or concerns about the privacy policies and practices of third party service providers, review their websites and policies, and contact them directly. Community First Bank, N.A. assumes no responsibility for the content, safety, security, or privacy of any such site or any transactions you conduct through them. If you need any assistance in contacting these third party service providers, or if you have concerns regarding unauthorized access to your accounts, please contact us at 419-273-2595. What is a 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. Information Collected on the InternetGeneral Information – Service providers hosting our website collect general non-personally identifiable information on all website visitors. This information is collected on our behalf simply for administrative, statistical, and security purposes so that we may provide online services to you. Community First Bank, N.A. and/or its service provider(s) may use cookies to collect some of this general information, which includes:
The information collected on the pages you visit is used only for statistical purposes and is tied only to your IP address. Internet Protocol (IP) AddressesAn IP address is a number that’s automatically assigned to your computer whenever you are on the Internet. Web servers, the computers that “serve up” web pages, automatically identify your computer by its IP address. When collecting information for us, our service provider does not link IP addresses to anything personally identifiable; however, Community First Bank, N.A. and our service providers may use IP addresses to audit the use of our site. We can and will use IP addresses to identify a user when necessary for security purposes. Visitors to the WebsiteVisitors to our website remain anonymous. We do not collect unique identifying information about you unless you voluntarily and knowingly provide us that information, and we don’t send you a cookie. Service providers may collect and disclose general information to us about your visit, such as when you accessed our site, which pages you accessed in our website, and what Internet provider you used when you accessed our site. You may elect to provide us with more specific information, such as when you give us feedback or send us an email if you provide us this information. It is only used internally and in furtherance of the purpose for which it was provided. We do not disclose or sell to any third party information that we collect or that is provided to us from visitors to our website. We do not send advertisements or email to someone who just visited our website. Use of CookiesService provider use cookies simply to facilitate the customization and personalization of our website. For your security, our service provider does not store any personally identifiable information in cookies which are further described below. Internet Banking – When you log on to our Internet banking program, our service provider passes a cookie to your browser. The cookie only identifies your computer. The service provider does not (and cannot) use cookies to collect or obtain new personal information about you. This cookie allows our service provider to process multiple transactions during your session without requiring you to reenter your passcode for each individual transaction. The cookies for online banking simply provide another level of security for our Internet banking product. Our Internet banking service provider uses encrypted cookies that do not pass to your hard drive. Instead, the cookie is stored in the memory of your browser, identifying your computer while you are logged on. Only the service provider can read the information in these cookies. When you log off, close your browser, or turn off your machine, 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 be renewed by re-entering your passcode. Information We DiscloseWe do not disclose any nonpublic personal information about our customers to anyone, except as permitted by law. We do provide our online banking service provider your account information so that we may process your Internet banking transactions. We do not sell any of your personal information. We will not disclose any medical information you provide to us, unless you specifically authorize its disclosure. SecurityCommunity First Bank, N.A. has developed strict policies and procedures to safeguard your personal information. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Employees of Community First Bank, N.A. are educated about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee responsibilities. We offer secure email through our online banking services. You should use the secure message service provided in the online banking to send sensitive personal information. Service providers have also developed security policies and procedures to protect the customer information that they must collect and maintain to help us process your banking transactions over the Internet. They have developed a superior security system to ensure your customer information is protected on the Internet. Beware of Phishing Attempts and Internet ScamsWhile e-mail is convenient and has a good business use, it can also be misused by criminals for scams and various other fraudulent purposes. “Phishing e-mails” 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 is 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:
Privacy UpdatesNew product releases may require changes or revisions to our Privacy Policy. When changes are made, we will indicate the date of the update within the Privacy Policy and provide customers copies of the policy on an annual basis or upon request. If you have agreed to accept disclosures electronically, we may send you an email notifying you where the Privacy Policy can be viewed from our website. Children’s Privacy PolicyCommunity First Bank, N.A. 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 on our website. Our website may include linked 3rd party sites that would be of interest to children. We are not responsible for the privacy and security practices of these sites. Parents should review the privacy policies of these sites closely before allowing children to visit these sites and provide any personally identifiable information. Community First Bank, N.A. wants to help parents protect the privacy of children. When application or enrollment for online banking from a customer under the age of 15, we will be contacting by phone a Parent or Legal Guardian at the physical address provided in the application/enrollment. Children under the age of 15 cannot apply for access to accounts through Internet banking. We will only use information sent to us online by a child knowingly under the age of 15 to respond directly to Parent or Legal Guardian. We are not responsible for the collection and use of information by companies or organizations outside Community First Bank, N.A. that may be linked to our website. Any concerns or questions may be directed to 419-273-2595. QuestionsIf you have any questions about our Internet Privacy Policy or concerns about our privacy practices, please contact: Community First Bank, N.A. |