WEBSITE CUSTOMER PRIVACY
We respect the privacy of our customers and are committed to protecting their information on our Website, with the same care we utilize for all bank transactions.
First National Bank does not automatically collect personal information from visitors to its websites. We do use cookies, which are small pieces of information that a website can store on your PC and retrieve later. It may enable us to track how you, as a visitor, navigate through our site and the areas in which you show interest. Our bank does not store confidential or sensitive information in cookies. A cookie is not executable code and does not harm your system.
There are several beneficial reasons for using cookies. One reason is to give you the opportunity to enter your personal information, like your password, just one time. That way, you don’t have to enter the information each time you access our site. Cookies do not contain any information that will enable anyone to contact you via telephone, e-mail, or regular mail. For certain applications, such as Online Banking, cookies are a requirement because they help protect the privacy of a customer’s transactions by, for example, automatically terminating the online session if the customer forgets to log out.
Cookies cannot be used to capture your e-mail address, obtain data from your hard drive or gain confidential or sensitive information about you. Additionally, cookies cannot be read by a website other than the one that set the cookie. Some websites, however, use cookies to obtain information from your browser. You can set your browser to notify you before accepting a cookie, so that you can control whether you accept or reject a cookie.
Protecting Customer Information on Our Website
We protect the privacy of customer information sent to and from our website. In addition to the security and privacy standards that are applied to traditional banking transactions, we also use specific controls designed to identify and authenticate all our online customers and prevent and detect unauthorized access to our website.
We use a Secure Socket Layer (SSL). This is a system designed to protect data. First, it provides authentication that you’re communicating with The First National Bank of Pandora server. Secondly, it provides encryption to scramble data transmissions. In the encryption process, data is scrambled while it is being transmitted so that it cannot be read while it is being transmitted. When it is received, it is "decrypted" or "decoded" so that the recipient can read it. When you are in an encrypted portion of the First National Bank site, you will notice a small icon in the bottom corner of your screen, either a lock or a key. As soon as you move to a non-secure area of the site, the icon will change, appearing as an open lock or a broken key. Finally, SSL provides a system to detect tampering of data sent to you by First National Bank. If tampering is detected in the SSL, the connection is broken.
We also employ firewalls. A firewall is an Internet security system made up of hardware and software designed to separate internal computer systems and databases, such as those of First National Bank, from the rest of the Internet. When data comes to us from your computer via the Internet, it must pass through a number of security checkpoints that make up the fire-wall. Data is encrypted on its way from you to our system to prevent tampering.
Be sure that you never walk away from your computer while you have an online application in process. This will further ensure the protection of your information.
If You Send E-mail To Us
We cannot guarantee the security of regular e-mail transmission, therefore, do not send us an e-mail that contains private information (e.g., account numbers, balances, etc).
A designated bank employee will answer your e-mail to us within 24 hours. We may retain your e-mail address for the purposes of answering your request, announcing new products and services, etc. If you do not want to receive e-mail from us in the future, please let us know.
General Restriction on the Disclosure of Customer Information
The bank will not, except in cases allowed or required under the law, reveal specific information about customer accounts or other nonpublic personal information to any nonaffiliated third parties unless the customer has been provided the required privacy disclosures and is given the opportunity to decline or "opt out".
Business Relationships with Third Parties
In the event the bank is requested to provide personally identifiable information to a third party and that request is in all respects consistent with other elements of this policy. The bank will accede to the request only if the third party agrees to adhere to similar privacy principles, no less stringent than set forth in this policy, that provide for keeping such information confidential.
Disclosure of Privacy Principles to Customers
Disclosure of the privacy notice shall be provided to customers initially and then annually thereafter. A notice of the right to "opt out" will accompany each privacy notice, unless our bank shares nonpublic personal information only within the three categories of exceptions, listed below. If our bank does share nonpublic personal information only within the categories of exceptions, a simplified privacy notice will be provided to customers.
The notice may be delivered by hand, by mail, or electronically, as specified in the pertinent banking regulation. If the notice is provided electronically, the consumer must be required to acknowledge receipt as a necessary condition for obtaining a financial product or service.
1) Exceptions to the Opt out Requirements for Service Providers and Joint Marketing
The opt out requirements do not apply if our bank chooses to provide nonpublic personal information about a consumer to a nonaffiliated third party to perform services for the bank or functions on the bank’s behalf. In the event our bank provides the initial notice as required and enters into a contractual agreement with the third party. The third party is required to maintain the confidentiality of the information to at least the same extent that the bank must maintain that confidentiality and limits the third party’s use of the information solely to the purposes for which it is disclosed or as otherwise permitted by law.
2) Exceptions to the Opt out Requirements for Processing and Servicing Transactions
The requirements for initial notice, for opt out, and for service providers and joint marketing do not apply if the bank discloses nonpublic personal information:
3) Other Exceptions to Notice and Opt Out Requirements
There are additional exceptions to the opt out requirements. The requirements for initial notice, for opt out, and for service providers and joint marketing do not apply when a bank discloses nonpublic personal information in the following circumstances:
With the consent or direction of the consumer, provided that the consumer has not revoked the consent or direction.
For the following protective or legal situations:
To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating the bank, persons that are assessing the bank’s compliance with industry standards, and the bank’s attorneys, accountants, and auditors.
To the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 (12 USC 3401), to law enforcement agencies (including government regulators), self-regulatory organizations, or for an investigation on a matter related to public safety.
To a consumer reporting agency in accordance with the Fair Credit Reporting Act (15 USC1681) or from a consumer report reported by a consumer reporting agency.
In connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of that business or unit.
To comply with federal, state, or local laws, rules, and other applicable legal requirements - specifically:
