|
This Internet Privacy Policy explains how we may
collect information from you when you visit our web
site or when you use our online financial services.
We recognize the importance our customers place on
the privacy and 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 lobby, 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 that we
have in place to safeguard your personal and
confidential information. With that in mind, we have
developed this Internet Privacy Policy to help you
to understand the steps we take to protect your
personal information when you utilize our online
financial services.
In
addition to the protections discussed within this
Internet Privacy Policy, your online financial
activities may also be protected by our general
privacy policy.
Below are several definitions of terms used within
this policy:
Customer Information
- Customer Information refers to personally
identifiable information about a consumer, customer
or former customer of this Institution.
Internet Protocol (IP) Address
- an
IP address is a unique address that devices use in
order to identify and communicate with each other on
a computer network. An IP address can be
thought of as a street address or a phone number for
a computer or other network device on the Internet.
Just as each street address and phone number
uniquely identifies a building or telephone, an IP
address can uniquely identify a specific computer or
other network device on a network.
We may use IP addresses to monitor login activity
and for identification purposes when necessary for
security investigations.
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.
"Session" Cookies are used to monitor session
activity within our Internet banking product. These
Cookies are encrypted and only our Service Provider
can read the information in these Cookies. The
session Cookie facilitates the processing of
multiple transactions during a session without
requiring you to reenter your passcode for each
individual transaction. Session Cookies used
within our Internet banking product 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. 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 passcode. We do not use this Cookie to collect
or obtain personal information about you.
An encrypted non-expiring Cookie is also used within
our Internet banking product for the identification
of this Institution.
Service Provider
- In order to provide a full range of online
financial services, we may use various third party
providers. These third parties provide
services such as: website hosting, Internet banking,
bill payment, and account aggregation. Third
party providers are referred to within this policy
as “Service Providers”.
Information Collected on the Internet
If
you are just browsing through our website, we do not
request any personally identifiable Customer
Information, nor do we collect unique identifying
information about you unless you voluntarily and
knowingly provide us that information, such as when
you send us an email or complete an application
online. If you provide us this information, it is
only used internally and in furtherance of the
purpose for which it was provided.
As
part of providing online financial products or
services, we may obtain information about our
customers and website visitors from the following
sources:
·
Information we receive from you on applications,
emails, or other forms;
·
Information about your transactions with this
Institution and our affiliates;
·
Information we receive from a consumer-reporting
agency; and
·
Information that is generated electronically when
you visit our website or use our online financial
services.
Service Providers hosting our website and Internet
banking service may collect general information on
our website visitors for security and statistical
purposes. Such information may include:
·
The Internet address (referral site) which brought
you to our web site;
·
The date and time you access our site;
·
The name and version of your web browser;
·
Your Internet Protocol (IP) address;
·
The pages visited in our website; and
·
The duration of your online session.
Our
Service Providers may use Cookies to collect some
the above information. In some cases you must accept
cookies in order to view our website.
When you click on advertisements in our website or
advertisements on linked 3rd party web sites, you
may receive another Cookie; however, you do not have
to accept any Cookies from third party
advertisements.
As
mentioned previously, our Service Provider(s) may
also use Cookies within our Internet banking and
bill payment products. You must accept these Cookies
in order to utilize the service. These Cookies do
not store any personally identifiable information;
they simply provide another level of security.
Use of Information Collected
·
We may disclose the information
that we collect, as described above, with Service
Providers acting on our behalf to provide online
financial services such as: Internet banking and
bill payment.
·
We
may also disclose Customer Information when required
or permitted by law. For example, Customer
Information may be disclosed in connection with a
subpoena or similar legal process, fraud prevention,
or security investigation.
·
We
may also share Customer Information outside this
Institution when we have your consent, such as when
you request a specific product like insurance or an
investment product from a third party financial
services provider.
·
We may also disclose aggregate (not personally
identifiable) Customer Information with Service
Providers or financial institutions that perform
marketing and research services on our behalf and
with whom we have joint marketing agreements. Our
contracts require all such Service Providers/or
financial institutions to protect the
confidentiality of your Customer Information to the
same extent that we must do.
·
We
do not disclose any Customer Information about our
customers, former customers, website visitors to
anyone, except as permitted or required by law.
·
We do not sell any of your personal information.
Account Aggregation
Account aggregation sites allow you to consolidate
account information from several sources into one
online location. In order to provide this service,
an aggregation provider may request your passcode
and login information. You should ensure that the
aggregation provider has appropriate policies to
protect the privacy and security of any information
that you provide.
If
you provide information about your Farmers &
Merchants Bank
accounts to an aggregation provider, we will
consider all transactions initiated by an aggregator
using the access or login credentials that you
provide, to be authorized whether or not you were
aware of a specific transaction.
If
you decide to revoke the authority given to an
aggregation provider, we strongly recommend that you
also change your online passcode with this
Institution. This will help ensure that the
aggregation company cannot continue to access your
account(s) with us.
We
do offer aggregation services through our online
banking product. Aggregation allows you to
consolidate your accounts from other providers so
that you can view all of your accounts in one
location. We do not disclose any of the
information consolidated through this service.
We may use aggregate information, which is not
personally identifiable, to better understand the
types of account(s) or services which may be most
beneficial to you.
Email Policies
When you enroll for our online services, we will
send you a welcome email. We may also send
emails marketing various products and services
offered by this Institution. We will always provide
you an opportunity to opt-in or opt-out of marketing
related emails.
We
will also send security related email notices when
you sign-up for email (“notify me”) alerts on your
account(s) or whenever you change your passcode,
security question, or email address.
If
you agree to accept electronic disclosures and/or
online account statements, we may also send you
notices of important account updates through email.
For example, if you have agreed to accept
disclosures electronically, we may send you an email
with updates to this privacy policy and/or we may
send you a notice that your account statement is
available for viewing on our website. For more
information on how to enroll for electronic
disclosures, please contact us at 405-969-2814..
Beware of Phishing Attempts and Internet Scams
While email is convenient and has a good business
use, it can also be misused by criminals for scams
and various other fraudulent purposes. “Phishing
emails” 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’s
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:
·
Always be wary of links in emails, especially any
links in emails purporting to be from this
Institution.
·
Please remember that if we send you an email, we
will never ask for personal information such as your
account number, ATM card number, PIN number, or
social security number.
·
Bookmark financial websites and use these bookmarks
every time you visit the website.
·
Whenever you enter personal information like your
access ID or passcode, always look for the lock
symbol, or https: in the address bar. Always click
on the lock symbol and review the certificate
details.
·
Update your Internet browser! Most browsers now
offer free anti-phishing tool bars that can help
alert you of fraudulent websites.
·
If
you send us an email, please do not include any
confidential, personal or sensitive information in
the email message, as email messages are generally
not secure. We do offer secure messaging
through our Internet Banking product and you may use
this secure messaging feature if you need to send us
sensitive or confidential information.
·
Make sure that your computer always has up-to-date
versions of both anti-spyware and anti-virus
software.
·
If
you receive an e-mail that you think could be a
scam, delete it immediately or forward the email to
spam@uce.gov.
·
If
you have any questions about the legitimacy of an
email, especially an email from this Institution,
you can also call us at this number 405-373-1600
or forward the
email to
helpdesk@fmbankok.com.
External 3rd Party Links
Our website may include links to other 3rd party web
sites. These links to external 3rd parties are
offered as a courtesy and a convenience to our
customers. When you visit these sites, you
will leave our website and will be redirected to
another site.
This Institution does not control linked 3rd party
web sites. We are not an agent for these third
parties nor do we endorse or guarantee their
products. We make no representation or
warranty regarding the accuracy of the information
contained in linked sites. We suggest that you
always verify the information obtained from linked
websites before acting upon this information. Also,
please be aware that the security and privacy
policies on these sites may be different from our
policies, so please read third party privacy and
security policies closely.
While using our website, you may still see our logo
when linking to a 3rd party site. A technique
called “Framing” allows us to display our logo and
look and feel while allowing you to browse another
site at the same time. It’s important to note that
while you may still see our logo and frame, any
information you provide to a 3rd party is not
covered by our privacy or security policies
If
you have questions or concerns about the privacy
policies and practices of linked 3rd parties, please
review their websites and contact them directly.
This privacy policy applies solely to the Customer
Information collected by this Institution.
Security
This Institution and our Service Providers have
developed strict policies and procedures to
safeguard your Customer Information. Our policies
require confidential treatment of your personal
information. We restrict employee access to
your personal information on a "need to know" basis
and we take appropriate disciplinary measures to
enforce employee privacy and confidentiality
responsibilities. We have established
training programs to educate our employees about the
importance of customer privacy and to help ensure
compliance with our policy requirements.
Furthermore, this Institution and our Service
Providers maintain strong physical, electronic and
procedural controls to protect against unauthorized
access to customer information. Our computer
systems are protected in the following ways:
·
Computer anti-virus protection detects and prevents
viruses from entering our website, email, and
computer network systems.
·
Firewalls and intrusion prevention systems block
unauthorized access by individuals or networks.
·
We
use encryption technology, such as Secure Socket
Layer (SSL), to protect the transmission of your
confidential information. Whenever you login to our
Internet banking product or schedule an online
transaction through our system, the communication is
encrypted. Encryption scrambles transferred data so
it cannot be read by unauthorized parties.
·
We
use strong multi-level authentication and behavior
analysis to help prevent unauthorized access to your
accounts. Multi-level authentication can help
prevent access by someone who may have stolen your
login credentials.
·
We
provide secure email through our Internet Banking
product to help ensure that your communications with
us are confidential.
We
continually monitor technological advances and
upgrade our systems to ensure your information
remains secure.
Privacy of Children
COPPA, the Children's Online Privacy Protection Act,
protects children under the age of 13 from the
collection of personal information on the Internet.
This financial institution 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, nor do we allow children under
13 to open online accounts.
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 provide any personally
identifiable information.
Parents can also be proactive by installing
filtering software that provides more control over
the family's Internet experience.
Privacy Updates
This policy maybe updated from time-to-time as new
products and features may require changes to our
Internet Privacy Policy. The effective date of
our policy will always be clearly displayed. If we
make any changes regarding the use or disclosure of
your personal information, we will provide you prior
notice and the opportunity to opt-out of such
disclosure if required by law.
Questions
If
you have any questions about our privacy policy or
concerns about our privacy practices, please contact
us at 405-969-2814 or
helpdesk@fmbankokc.com
Effective: May 2007
|
