|
As financial service professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly.
This Notice applies to both our current and former customers.
TERMS USED IN THIS NOTICE
We, our, and us means The Business Bank. This agreement covers both the business banking division and Prime Mortgage, a division of The Business Bank.
You and your means:
- Our consumer customers who have a continuing relationship with us, including deposit, loan, or credit card accounts.
- Individuals who do not have a continuing relationship with us but who may use a financial product or service that we provide in isolated transactions; for example, someone who cashes a check or purchases a money order.
Nonpublic personal information is information about you that we collect in connection with providing you a financial product or service. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Going forward, we will use the word &rlquo;information” to mean nonpublic personal information as defined here.
Affiliate is a company related to us through common control or ownership. Prime Insurance Agency is an affiliate of The Business Bank.
Nonaffiliated third party is a person that we do not employ or a company that is not an affiliate of ours but with whom we may have a special arrangement or joint marketing agreement. Going forward, we will use the words “other party” to mean nonaffiliated third party as defined here.
INFORMATION WE COLLECT
We collect information about you from the following sources:
- Information you give us on applications or other forms, such as your name, address, telephone number, social security number, assets, liabilities and income.
- Information about your transactions with us or other parties, such as your account balances, payment history and account activity.
- Information we receive from a consumer reporting agency, such as your payment history and creditworthiness.
CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR INFORMATION
We restrict access to your information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to protect your information.
SHARING YOUR INFORMATION
We will not sell any information about you to any other company. We will not share your information with any unaffiliated company that offers products that are not related to your financial needs.
Affiliates: We are owned by a bank holding company and we do not share your information with this affiliate. We are also 50% owners of Prime Insurance Agency and we will only share information with this affiliate as necessary to process a transaction, product, or service that you request or authorize, or as permitted or required by law.
Other Parties: We may share your information with financial service providers that we have contracted with to provide services on your behalf, such as, credit card and merchant card processors, mortgage lenders, investment firms and insurance agents. We may share your information with non-financial companies that perform services on our behalf, such as, consumer reporting agencies, check printers and our data processing provider.
Information is only provided
to these other parties as necessary to process or service a transaction,
product, or service that you request or authorize, or as permitted or
required by law.
QUESTIONS OR COMMENTS
We recognize and respect the privacy expectations of our customers. We value our customer relationships and want you to understand how we use the information you provide. If you have any questions about the accuracy of our information or how we protect your confidential information, please call us at 952-847-1100. If, at any time, you believe we have shared information about you inappropriately, please contact us immediately.
Internet Banking Security Statement
With Business Connection Internet Banking, we use a full range of Internet security measures, including cryptography, routers and firewalls, and a trusted operating system to complete our overall security architecture.
Cryptography
Security on the Internet begins with your browser. In order to utilize Business Connection Internet Banking, you must use a browser that supports the Secure Sockets Layer (SSL) protocol. SSL allows you to securely send and receive encrypted data over the Internet. This protocol provides a secure channel for data transmission through its public/private key encryption capabilities. When you connect to the Internet Banking Vault Server, the session immediately goes through a "handshaking" process where the server sends a certified Digital ID to you, whereupon an "encrypted tunnel" is created between you and the server. This simply means that all requests by you and, subsequently, all replies by the server are encrypted using an extremely long and complicated key.
We recommend the following browser:
- Microsoft Internet Explorer 7.x
We support the following browsers:
- Firefox 3 and higher
- Safari 1 and higher
If you are not using one of the supported browsers:
You may experience issues with Internet Banking. If this occurs, please download one of the browsers listed and attempt the action again.
Can I use a Beta version of one of the Browsers above?
We do not recommend using a Beta version of any browser. When new versions of browsers are fully tested and deemed compatible with the Internet Banking product, they will be updated on the supported browsers list.
The following types of browsers and tools are not recommended or supported for use with Internet Banking:
- Embedded Browsers contained within Personal or Commercial Financial Management Software (Quicken, Quickbooks, Money, etc.)
- Browser Add-Ins and Toolbars (IE 7 Pro, Google, Yahoo, etc.)
If you are using a non-supported browser, an embedded browser or a browser add-in, you may experience functionality issues with Internet Banking. If this occurs, please download one of the browsers listed above or remove the add-in and attempt the action again.
Routers and Firewalls
Account information is protected by a series of filtering routers and firewalls that act as a barrier between the outside world and the internal bank network. The filtering router is the first component that you would pass through to gain access to your account information. Much like a security guard, the router is responsible for determining who has access to what components of Internet Banking. This is achieved with Access Control Lists (ACLs) which allow or deny specific services for a particular user.
The firewall is the next security component that you would pass through. The firewall provides a higher level of security and authentication of a customer request. The firewall takes advantage of the same type of ACLs that a router utilizes and tracks each request that was made, who made it, when it was made, where it was made from, and where it was destined. Each one of these items is used to determine whether the user is granted access to the requested destination and protects the internal bank network from outside access.
Trusted Operating System
The entire Internet Banking application resides within a trusted operating system. The trusted operating system acts much like a firewall by protecting sensitive and proprietary information from the outside world. The trusted operating system accepts your authorized requests for account information, retrieves the information from our database, and sends the information back to your browser in an encrypted format. The system also contains numerous audit controls to track requests and navigation. This audit control allows us to quickly identify any suspicious activity.
Your Responsibility
When an Internet Banking account is established, we will provide you with a username and password to access your accounts through the Internet. The first time you attempt to access your account, you will be prompted to change your password. It is important that you memorize your password and not convey it to anyone else. You must make sure that no one is watching as you enter your password and that you properly exit the Internet Banking session/browser before leaving the computer. The Internet Banking system allows you to change your password anytime and you should change your password frequently.
|
| Equal Housing Lender 
| Equal Opportunity Employer
