Effective 5/01/01
Cattleman's National Bank recognizes
the importance our customers place on privacy and the 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 we
have in place to safeguard your personal and confidential information.
We have developed this policy to help you to understand the steps
we take to protect your personal information.
Privacy Updates
New product releases may require changes
to our Privacy Policy. The effective date of our policy will always
be clearly displayed. We will provide our customers copies of our
Privacy Policy on an annual basis. If you have agreed to accept disclosures
electronically, we may send you an email telling you where the Privacy
Policy can be viewed from our website or Portal.
How We Gather Information
As part of providing financial products
or services, we may obtain information about our customers and consumers
from the following sources:
Information we receive from you
on applications, emails, or other forms;
Information you provide when you
choose to customize the portal;
Information about your transactions
with us, our affiliates, and others;
Information we receive from a consumer-reporting
agency; and
Information that is generated electronically
when you visit our website, use our Internet Banking and Portal
services.
Privacy for Internet Users
Our commitment to safeguard your privacy also extends to 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.
Our Internet financial services provider,
FundsXpress Financial Network, Inc. (FundsXpress) may collect general
information on our website and Portal visitors simply to help us provide
banking and other financial services to you online. They collect certain
information on our behalf for security and statistical purposes. The
information collected for these purposes 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;
The Internet service provider you
used when you accessed our site;
Your Internet Protocol (IP) address;
and
The pages visited in our website and
Portal.
FundsXpress may use cookies to collect
this general information on all website and Portal Visitors. They
also use cookies for security purposes in our Internet Banking service
and for customization and personalization of the Portal.
In the future, we may use aggregate,
general, non-personally identifiable information to help us market
our products and services that may be of interest you.
Additional information about IP addresses
and cookies are provided below.
Internet Protocol (IP) Addresses
An IP address is a number that's automatically
assigned to your computer whenever you're 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,
FundsXpress does not link IP addresses to anything personally identifiable,
which means that a user's session will be logged, but the user remains
anonymous.
FundsXpress may use IP addresses to
audit the use of our site. They can and will use IP addresses to identify
a user 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 computers memory,
or in your browser so that it can be read back later. Cookies cannot
"read" information about you from your computer or be used
to "steal" information about you: and cookies don't carry
viruses. Cookies are a basic way for a server to identify you (most
cookies actually Identify the computer you happen to be using at the
time, not you personally). 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
when you engage in secure Internet banking. For your security, we
do not store any of your personal information in our cookies. The
cookies used in our Internet banking system and Portal are further
described below.
Internet Banking Cookies
FundsXpress 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 FundsXpress can read the information in these
cookies. This Internet banking cookie allows FundsXpress to process
multiple transactions during your session without requiring you to
reenter your pass code 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 pass code. FundsXpress does 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 system.
Portal Cookies:
FundsXpress uses several cookies to provide
features within the Portal. They send a "Web Trends" cookie
to all Portal visitors in order to help us collect general information
on all Portal visitors. This cookie is sent to your computer hard
drive and provides us information such as; when you accessed our site,
which pages you accessed in the portal, and what Internet provider
you used when you accessed our site. The information collected through
this cookie is not personally Identifiable and is only used for statistical
purposes to assist us in our planning process and our marketing program.
When visitors register on the Portal
and select the "Remember Me" checkbox, FundsXpress sends
additional cookies to your hard drive, which enable you to customize
the Portal and bypass the login process each time you revisit the
Portal. These cookies are retained on your computer until you either
delete them or click on the Logout link within the Portal. 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 Portal,
FundsXpress sends an additional cookie called a "per-session"
cookie or "server-side" cookie. This "server-side"
cookie resides in the browser and is only used by FundsXpress to monitor
the session by a unique identification number. This cookie is used
for security purposes and you must allow your browser to accept the
"server-side" cookie to use the Portal. The cookie is destroyed
after eight hours.
When you click on advertisements on
the Portal or at 3rd party merchants within they Portal, they may
also send you a cookie to collect general non-personally identifiable
information. You do not have to accept these cookies to use the Portal.
Disclosure of Information
We do not disclose any nonpublic
personal information about our customers, former customers, website
visitors or portal visitors to anyone, except as permitted by law.
We must provide certain customer
account information to service providers such as FundsXpress so
that we may process your Internet banking transactions.
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.
In the future, we may disclose a portion
of the aggregate customer information that we collect on the Portal
to companies or financial institutions that perform marketing services
on our behalf. We have such an agreement with FundsXpress. Our contract
requires FundsXpress to protect the confidentiality of your personal
information to the same extent that we must do. The disclosure of certain
aggregate information to FundsXpress or other companies could help us
market financial products and services that may be of particular interest
to you or save you money. We will provide you an opt-in or opt-out notice
if required by law.
Email Policies
In the future we may send you email notices
for certain disclosures if you choose to accept electronic disclosures
or statements. We may also send you emails to market our products and
services that may be of interest you. We may also provide you an opportunity
to subscribe to a newsletter; however, we will always provide you an
opportunity to opt-in or opt-out of these advertising promotions if
required by law. FundsXpress may send these emails as an agent on our
behalf.
Digital Wallet
Customers and Visitors to our Portal may have access to a service
called the FX Wallet. FundsXpress Financial Network, Inc. makes this
product available to you. The FX Wallet is a software program that allows
you to purchase products conveniently from merchant Web sites.
The FX Wallet will store your name, address,
email address, and credit card information, all of which is used for
purchasing products and services from online merchants.
The personal information that you provide
to the FX Wallet is stored securely with FundsXpress. FundsXpress may
contract with a 3rd party service provider to store this information.
FundsXpress will require any 3rd party contractors to protect the confidentiality
of your information to the same extent that they must do. For additional
information on the FX Wallet, please refer to http://www.fundsxpress.com/digital_wallet.htm
External 3rd Party Links
Our Portal, and the Shopping Mall have
numerous links to other 3rd party sites. These links to external third
parties are offered as a courtesy and a convenience to our customers.
While using our Portal, 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 policy.
Be sure to check the privacy statements
of any third party web site for information about their use of cookies
and personal information they may collect, as you will be subject to
their policies when you visit their sites.
With the exception of our service provider,
FundsXpress, we do NOT have access to the information collected by any
third party, nor can we control how they use this information. If you
have questions or concerns about the privacy policies and practices
of these third parties, please review their websites and contact them
directly.
Security
Cattleman's National Bank has developed strict
policies and procedures to safeguard your personal information. We restrict
employee access to your sensitive personal information to 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. We offer secure
email through our Internet Banking service. You should use the secure
mail service anytime you send us sensitive personal information.
Our Internet Banking service provider,
FundsXpress, has also developed security policies and procedures to
protect the customer information that they must collect and maintain
to help us process your banking transactions over the Internet. They
have developed a top-of-the line security system to ensure your customer
information is protected on the Internet and within the FundsXpress
environment For more information on the FundsXpress security measures,
please visit their website at http://www.fundsxpress.com/security.htm.
Privacy of Children
Cattleman's National Bank respects the privacy
of children. We do not knowingly collect names or any other personally
identifiable information from children. We do not knowingly market to
children nor do we allow children to open accounts online without parental
consent.
Questions
If you would like to know what information we have collected in connection
with your use of our products and services, including Internet based
products and services, please contact us at (830) 825-3247.
After reviewing the information, if you
believe any of the information is in error, contact us either by phone
or email info@cattlemansnationalbank.com
or send a letter that explains the alleged discrepancy. If the information
is incorrect, we will work with you to ensure your information is promptly
updated.In addition, if you believe any information
that this financial institution or FundsXpress has collected about you
has been used for an improper purpose; please contact us at info@cattlemansnationalbank.com.
Explain your concerns in as much detail as possible so that we may take
any appropriate action.
Fair Credit Reporting Act Notice
We may share all or portions of customer information
collected with companies in our organization. By sharing information
about your accounts and relationships among our family, we can save
you time and money. It will also be easier for you to access the wide
range of products that we offer. You should know, however, that the
law permits you to direct us NOT to share certain information with affiliate
companies in our organization. If you prefer that we not disclose nonpublic
personal information about you to our affiliates, you may opt out of
those disclosures. That is, you may direct us not to make disclosures
(other than those disclosures permitted by law). If you wish to opt
out of disclosures to our affiliates, you may call the following toll-free
number (830) 825-3247 or send us email at info@cattlemansnationalbank.com.
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