Our goal is to protect personal information in every way that the bank's products and services interact, whether on the telephone, lobby, at one of our ATMs, or on the Internet.
- What information is collected
- How is the information collected
- How the information is used
- How State Bank of Whittington provides options to Users on "opting out" from the information collected
- Whether the information collect is disclosed to third parties
- Whether third parties collect information through our Products
Consent to Use Information
Policies Regarding the Collection of Information
State Bank of Whittington may utilize the services of third party providers to assist us in providing online services, such as website hosting, Internet banking, bill payment, and aggregation services. These third party providers are referred to within this policy as "service providers". It is the Bank's goal to provide Users with quality information, products, and services. We are also committed to providing Users with responsive, personalized service, and keeping Users informed about new information, products, and services that may be of immediate interest to Users or that can help Users derive the greatest value from the Products.
A visitor who browses the State Bank of Whittington website is not required to reveal any Personally Identifiable Information, such as name, address, or telephone number, unless subscribing to a product. Nor is such information collected passively by electronic means. State Bank of Whittington's Web servers collects other information such as the type of browser software used and the Internet domain name of the location from which the visitor enters. This information helps us diagnose technical problems and manage our sites by tracking user interests.
The primary reason that we collect and maintain Customer Information and other Personally Identifiable Information is to serve Users and administer our customer relationships. State Bank of Whittington may collect Customer Information and other Personally Identifiable Information from a variety of sources, such as the following:
Information Collected on the Internet
Those who are just browsing through the website are not asked to give any personally identifiable information.
As part of providing online financial products or services, the following information may be obtained about our customers and website visitors from the following sources:
- Information we receive from on line applications, emails, or other forms;
- Information provided when customizing our website;
- Information about transactions with this institution and our affiliates;
- Information received from a consumer-reporting agency; and
- Information that is generated electronically when visiting our website; and
- Information that is generated electronically when using the Internet banking services.
Any information you may provide us is only used internally and in furtherance of the purpose for which it was provided.
Service providers hosting our website and our Internet banking service may collect general information on our website visitors simply to help us provide banking and other financial services to you online. They collect the following information on our behalf for security and statistical purposes:
- The Internet address (referral site) which directed users to our web site;
- The date and time the site was accessed;
- The name and version of the web browser;
- The Internet service provider used when accessing our site;
- The user's Internet Protocol (IP) address; and
- The pages visited within our website.
Additional information about IP addresses and cookies are provided below:
Internet Protocol (IP) Addresses
The IP number is called an "address" because it serves the same purpose as a home address -- it is generally provided by the Internet provider and allows each machine on the Internet to be located by a numerical scheme. Web servers, the computers that "serve up" web pages, automatically identify a user's computer by its IP address. When collecting information for the use of the bank's service provider, the IP address is not associated to anything personally identifiable; however, the service providers may use IP addresses to audit the use of the site. The bank can and will use IP addresses to identify users when necessary for security purposes.
Browsers can be set to reject or to accept cookies. The option to reject cookies is used for just browsing the Web and cookies are accepted when the user wants to use that site's products or services. Each Product places a cookie on the hard drive of each User's computer. If a User does not accept a cookie offered by a Product, that User may not use the features of the Product.
Internet Banking Cookies
State Bank of Whittington uses your cookie to make your experience with the Products more efficient and effective. Our Internet banking product uses encrypted cookies that 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. Only our service provider can read the information in these cookies. The Internet banking cookie facilitates the processing of multiple transactions during a session without requiring you to reenter your pass code for each individual transaction. The cookies for Internet banking simply provide another level of security for our Internet banking product. 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 pass code. We do not (and cannot) use this cookie to collect or obtain new personal information about you. You must allow your browser to accept this cookie so you can use the Internet banking product.
When registering on the bank's website and selecting the "Remember Me" checkbox, our service provider sends a cookie to the customer's local hard drive, which enables the client to customize the website and bypass the login process on each revisit. These cookies are retained on your computer until you either delete them or click on the logout link within the website. These cookies only contain a unique user identification number and do not contain or collect any personally identifiable information.
When registered users login to the website, our service provider may also send cookies called "per-session" cookies or "server-side" cookies. These cookies reside in the browser and are only used to monitor the session by a unique identification number. These cookies are used for security purposes and you must allow your browser to accept these cookies in order to use the website. These cookies are destroyed after eight hours.
External 3rd Party Links
The bank's website may include numerous links to other 3rd party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. When these sites are visited, it will redirect those users to another site.
This financial institution does not control linked 3rd party sites nor is the bank acting on behalf of any third agents. The bank makes no representation or warranty regarding the accuracy of the information contained in the linked sites, including the difference in the third-party security and privacy policies on these sites which may be different from the bank's policies.
Additionally, the customer is notified that when clicking on advertisements within the bank's website or advertisements for linked 3rd party web sites, another cookie may be received. It is not necessary to accept these cookies to visit the website.
Information Use and Sharing
- State Bank of Whittington does not disclose any non-public personal information about our customers, former customers, website visitors to anyone, except as permitted or required by law.
- In order to provide online services such as: Internet banking and bill payment, the bank must disclose certain customer account information to our service providers.
- The bank does not sell any of any personal information.
- State Bank of Whittington does not disclose any medical information that is provided to us, unless specifically authorized to do so.
- The bank may disclose aggregate (not personally identifiable) customer information that is collected on the bank's website to service providers, companies, and/or financial institutions that perform marketing and research services and with whom the bank has joint marketing agreements. These contracts require these service providers, companies and/or financial institutions to protect the confidentiality of personal information to the same extent that the bank does.
Once a User completes the Fund Xpress E-Banking registration process, the following disclosures are provided to clients to address privacy and security concerns:
If you send us an email, please do not include any non-public personal or sensitive information, as email messages may not be secure and/or confidential. We offer secure messaging through our Internet Banking service. You should use the secure messaging service anytime you send us sensitive personal information"
Privacy of Children
The State Bank of Whittington contains the following disclosure statement for children,
"This financial institution respects the privacy of children. We do not knowingly collect names, email addresses, or any other personally identifiable information from children. We do not knowingly market to children, nor do we allow children under 18 to open online accounts."
"Customer Information" means any information about a Customer, its employees, contractors, suppliers, licensors, agents, distributors, and others who have any business or personal relationship with such Customer, that (I) State Bank of Whittington has an obligation to keep confidential or use for limited purposes or (ii) State Bank of Whittington has any legal obligation to keep confidential or use for limited purposes, including under the Gramm-Leach-Bliley Act, the Health Insurance Portability and Accountability Act, any laws regarding invasion of privacy, or other privacy laws. "Customer Information" does not include publicly available information.
"Non-Identifying Information" means information that, taken alone, cannot be used to identify or locate a Person, including, without limitation, age or date of birth, gender, occupation, education, ZIP code with no address, interests, hobbies, types of hardware or Software used by a Person, income. "Non-Identifying Information" refers to this type of information, regardless of whether such information is collected along with, or is linked to, Personally Identifiable Information.
"Personally Identifiable Information" means information that can be used to identify or locate a Person, including, but not limited to, e-mail address, name, street address, phone number, fax number, credit card number, Social Security number, and tax identification number.
The terms "we," "us," and other similar terms shall be deemed to refer to State Bank of Whittington, as appropriate.
The terms "you," "your," and other similar terms shall be deemed to refer to Customer and all individual Users, as appropriate.