Internet Privacy Policy
Chesapeake Bank and Trust Company recognizes 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, or on the
Internet.
We think it is important for you to be informed of the policies, procedures, and
security measures we have in place to safeguard your personal and confidential
information. With that in mind, we have developed this policy to help you to
understand the steps we take to protect your personal information when you
utilize our Internet services.
This institution 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”.
Information Collected on the Internet
If you are just browsing through our website, we do not request any personally
identifiable 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 you provide when you choose to customize our website;
·
Information about your transactions with this bank;
·
Information we receive from a consumer-reporting agency; and
·
Information that is generated electronically when you visit our website; and
·
Information that is generated electronically when you use our Internet banking
services.
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 brought you to our web site;
·
The date and time you access our site;
·
The name and version of your web browser;
·
The Internet service provider you used when you accessed our site;
·
Your Internet Protocol (IP) address; and
·
The pages visited in our website.
Our service providers may use cookies to collect some the above information.
They may also use cookies for security purposes within our Internet
banking product. Additionally, cookies may be used for customization and
personalization of our website.
Additional information about IP addresses and cookies are provided below.
Internet Protocol (IP) Addresses
An IP address is a number that is automatically assigned to your computer
whenever you are on the Internet.
Web servers, the computers that "serve up" web pages, automatically identify
your computer by its IP address. When collecting information for us, our service
provider does not link IP addresses to anything personally identifiable;
however, this Institution and its service providers may use IP addresses to
audit the use of our site. We can
and will use IP addresses to identify users when necessary for security
purposes.
What is a 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.
Our service provider uses cookies for security purposes
within our Internet banking product and to facilitate the customization and
personalization of our website. For your security, our service provider does not
store any personally identifiable information in cookies, which are further
described below.
Internet Banking Cookies
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 passcode 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
passcode. 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.
Website Cookies:
When you register on our website and select the
“Remember Me” checkbox, our service provider sends a cookie to your hard drive,
which enables you to customize the website and bypass the login process each
time you 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.
When you click on advertisements in our website
or advertisements on linked 3rd party web sites, you may receive another cookie.
You do not have to accept these cookies to visit the website.
Use of Information Collected
·
We do 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,
we must disclose certain customer account information to our service providers.
·
We do not sell any of your personal information.
·
We will not disclose any medical information that you provide to us, unless you
specifically authorize its disclosure.
·
We may disclose aggregate (not personally identifiable) customer information
that we collect on our website to service providers, companies, and/or financial
institutions that perform marketing and research services on our behalf and with
whom we have joint marketing agreements. Our contracts require these service
providers, companies and/or financial institutions to protect the
confidentiality of your personal information to the same extent that we must do.
Email Policies
We may send you email notices for certain required disclosures if you agree to accept electronic disclosures and/or online account statements. If you have agreed to accept disclosures electronically, we may send you an email with updates to this policy and/or we may send you an email at least annually to remind you where the Privacy Policy can be viewed from our website. For more information on how to enroll for electronic disclosures, please contact us at 410-778-1600.
We may also send you emails marketing our products and services. We will always
provide you an opportunity to opt-in or opt-out of email advertising promotions
as required by law.
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.
External 3rd Party Links
Our 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 you visit these
sites, you will leave our website and will be redirected to another site.
This financial institution does not control
linked 3rd party 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 the 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 visiting other 3rd party sites.
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 third parties, please review their websites and contact them directly.
This privacy policy applies solely to
information collected by this institution.
Security
This Institution and its service providers have developed strict policies and
procedures to safeguard your personal information. We restrict employee access
to your sensitive personal information on a "need to know" basis. We maintain
physical, electronic, and procedural safeguards that comply with federal
regulations to guard your nonpublic personal information. We educate our
employees about the importance of confidentiality and customer privacy.
We take appropriate disciplinary measures to enforce employee privacy
responsibilities.
Our Internet banking service provider, has developed a top-of-the line security
system to ensure your customer information is protected on the Internet and
within the data center environment.
Privacy of Children
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 allow children under 18 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.
Privacy Updates
New product releases may require changes to our 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 410-778-1600 or OnlineBanking@chesapeaketrust.com.
Effective Date: 12/18/03