Privacy Statement
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We recognize the importance of maintaining the utmost security and
confidentiality of our customer’s information. In addition to
internal policies and procedures designed to safeguard customer
information, we prohibit those we do business with from any reuse of
that information for purposes other than those intended by us. |
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Customer information security and confidentiality |
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We take a number of steps to ensure that customer information is adequately safeguarded. These steps include the following: 1) implementing a number of physical and electronic security features to prevent unauthorized access; 2) limiting employee access to customer information; and 3) conducting periodic reviews of our computer systems, including security features. Additionally, our employees are required to acknowledge their responsibility to maintain the confidentiality of customer information. |
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How we collect customer information |
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We collect customer information about you that: 1) we receive on applications to us for our products and services; 2) we receive from processing your accounts with us and the transactions in those accounts, as well as providing services to you; 3) we receive about you from our affiliated companies; and 4) we receive in response to requests made to third parties about you or to confirm information that you have provided to us. |
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Log Files |
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As is true of most Web sites, we gather certain information automatically and store it in log files. This information may include IP addresses, browser type, referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information to analyze trends, to administer the site, to track how visitors interact with the site. |
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Cookies |
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A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. Cookies are commonly used on websites and do not harm your system. We do use cookies on our site. We may use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browsers help file. These cookies do not collect personally identifiable or confidential information. |
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Web Beacons |
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We may use web beacons (invisible images often referred to as pixel tags or clear GIFs) on our sites in order to recognize users, assess traffic patterns, identify preferred content and measure site engagement. We may also include web beacons in our e-mail messages, including newsletters, in order to count how many e-mail messages have been opened. We also use a reputable third party to collect information, including through the use of web beacons, browser cookies and other tracking technologies. This data is collected in the aggregate, but may include or be associated with other non-personally identifiable information or personally identifiable information that users have voluntarily submitted |
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How we use customer information |
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Our primary goal in collecting user information is to enhance your experience with us and on our websites. |
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To target content |
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To develop and provide content that is targeted to your interests, we use the analytics collected by the systems described above to determine which areas of our website you prefer based upon the frequency of your visits and engagement with those areas. We may also make reasonable geographic and demographic assumptions based on your presented IP address to target relevant content. |
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To provide communications |
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To enhance your experience we may provide you with communications, such as our newsletters and other communications, to the e-mail address that you provide to us. From time to time we may provide e-mails highlighting new features, Webinars, events, articles of interest, maintenance schedules, etc. To review or delete your information or to opt-out of any communications, please contact your account representative. |
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How we disclose customer information |
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We may disclose some or all of the customer information we collect about you under the following circumstances: 1) to verify or complete a transaction; 2) to verify the existence and condition of your account for a third party, such as another financial institution; 3) to a third party who performs functions on behalf of our Clients (i.e. a custodian or other broker-dealer); 4) to comply with laws, regulations, or a court or government order or request, such as in response to a subpoena or a request by an SEC/NASD examiner; 5) to inform you of our other products or services; 6) if you or any authorized person on the account gives us oral or written permission to do so; or (7) to verify the accuracy of information that you have provided to us. |
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Customer information shared among with our Affiliates |
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We may share some or all of the personal financial information we collect among our affiliated corporate subsidiaries (“Affiliates”), except as limited below. By sharing this information among our Affiliates, we can serve you more efficiently and make it easier for you to do business with us. For example, if you have an account with us and want to open an account with one of our affiliated companies, we may share the information you have provided to us. In addition, our Affiliates may jointly employ certain employees. |
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Customer information shared with companies that work for us |
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To assist us in providing you products and services that you have requested or already receive from us, we may share all of the personal information we collect with companies that work for us. These companies may include check printing, bill payment, hosting service, e-mail service, data processing and related operations and marketing companies. These companies might, for example, assist us in processing your transactions or mailing account statements. All of these companies, who act on our behalf, are obligated to keep the information that we provide to them confidential, and use the information only to provide the services we have asked them to perform for you and us. |
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Customer information about Former Customers |
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We apply the same privacy policies and practices to our former customers that we do to our existing customers. Collected customer information is retained in accordance with Federal law. |
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Customer information -- Accuracy |
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We recognize the importance of maintaining accurate customer information that is provided to you in various forms, including account statements and billing statements. If you ever notice that your information is inaccurate, please contact us. Upon your notification we will correct any inaccuracies. |
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Protecting your information |
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There are a number of steps you can take to protect your information, including 1) before you reveal any personally identifying information, find out how it will be used and whether it will be shared with others; 2) pay attention to your billing cycles and follow up with creditors if your bills don’t arrive on time; 3) guard your mail from theft; 4) deposit outgoing mail in post office collection boxes or at your local post office; and, 5) put passwords on your credit card, bank and phone accounts. If you suspect that your personal information, including social security number or account information has been misappropriated to commit fraud or theft please contact: 1) the fraud departments of each of the three major credit bureaus; 2) the creditors for any accounts that have been tampered with or opened fraudulently; and 3) your local police or the police in the community where the identify theft took place. You should also contact the Federal Trade Commission (FTC) at 1-877-IDTheft or at www.consumer.gov/idtheft. |