Security Statement
CorTrust Bank employs the latest in Internet Security and User Authentication to ensure that data being transmitted through the Internet Banking System is secure from unauthorized access. The methods are outlined below in the privacy statement.
Privacy Statement
At CorTrust Bank, we are committed to protecting your privacy. Our privacy policy has been established as an extension of our commitment to combine the finest quality products and services with the highest level of integrity in dealing with our customers. This policy guides how we collect, store and use information about our customers and website visitors.
When we use the words "you" and "your", we mean the following types of customers:
All of our consumer customers who have a continuing relationship with us, such as:
Deposit Account
Loan Account
Credit Card
Retail Installment Contract (we hold and service)
Self-directed IRA where we act as custodian or trustee
Financial, Investment, or Economic Advisory Services (for a fee)
We will tell you the sources of nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
We first define some terms:
We, our and us means CorTrust Bank. Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. An affiliate is a company we own or control, a company that owns or controls us, and a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. A nonaffiliated third party is a company that is not an affiliate of ours.
THE INFORMATION THAT WE COLLECT.
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us
- Information about your transactions with our affiliates
- Information about your transactions with nonaffiliated third parties
- Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND AFFILIATES
We may disclose nonpublic personal information about you to our affiliates such as: Transaction and experience information from our account records: Information about your transactions and experience with us, such as
Name
Address
Account Balances
Account Activity
Types of Accounts
Credit Card Usage
Payment History
Deposit History
Parties to the Transaction
Social Security Number
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
Types of affiliates:
We may disclose nonpublic personal information about you to the following types of affiliates:
Financial service providers, such as Insurance Agents
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers.
AUTHORIZED SHARING OUTSIDE MARKETING SERVICES
We may disclose the following information to companies that perform marketing services on our behalf:
Nonpublic personal information we receive from you on an application or other forms, such as:
Name
Address
Social Security Number
Nonpublic personal information about your transactions with us, such as:
Account Balances
Types of Accounts
Parties to the Transactions
Federal law allows us to disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Types of Businesses:
Here are the types of businesses with whom we may disclose nonpublic personal information for outside marketing purposes: Service providers that perform marketing services for us:
Direct Sales Companies
USING, COLLECTING AND RETAINING YOUR INFORMATION
CorTrust Bank does not collect identification information from users visiting this web site or using our Internet Banking system. However, we do collect usage information to determine frequency and duration of access to this site. In addition, the Internet Banking system tracks the number of transactions entered by customers. All of this information is used to create summary statistics for our site and to help the bank determine better ways to service our customer¹s needs.
Information submitted to the bank through e-mail or through the submission of applications is used internally to process requests and respond to customer e-mail. This information is not distributed or sold to other organizations.
KEEPING INFORMATION ACCURATE
Keeping your account information accurate and up to date is very important. If you ever find that our records are incomplete, inaccurate or out of date, please e-mail us or call the customer service number on your account statement. We will correct the information as quickly as possible.
KEEPING YOUR INFORMATION SECURE
The latest in Internet Security and User Authentication is employed so that data being transmitted through the Internet Banking system is secure from unauthorized access. By providing the latest technology with authenticated access to the web server, your Internet Banking transactions are secure. The following outlines the methods in place to secure your privacy.
A. Digital IDs from Verisign
The IBS system uses digital IDs certified by Verisign, an industry leader in digital identification certificates, to authenticate user information and provide access to the data through the system. Digital IDs work off of a matched key setup where the server has a "private" key issued only to the server and a "public" key widely distributed to the bank¹s customers. A digital ID requires a matched pair of keys that are unique to each other to encrypt and decrypt data. With this setup, transactions created, encrypted, and transmitted by bank customers using the public key can only be decrypted by the other key in the pair running on the server.
The Internet Banking system combined with digital ID authentication through Verisign allows the server to implement Secure Sockets Layer (SSL) protocol, the standard technology for secure web-based communications. With SSL, data traveling between the bank and customer is encrypted and can only be decrypted through the pairing of the public and private key pair. SSL capability is built into the server hardware and browsers, but requires a digital ID to be functional.
B. Server Access
Server access is protected using a firewall computer and the leading firewall software. Firewall computers provide secure access to the Web Server and its software by only allowing authorized traffic to hit the Server
DISCLAIMER: LIMITATION OF LIABILITY
CorTrust Bank does not warrant the accuracy or completeness of the information on the website or the text, or the graphics or other items contained within the materials supplied by others and posted on the website. We may make changes in the products or programs described herein at any time without notice, however, we make no commitment to update these materials.
Under no circumstances shall CorTrust Bank be liable for any consequential, direct, incidental, punitive or special damages related to the use or performance of software and documents, provision of or failure to provide services, information available, or errors or omissions in the contents and functions of this site, even if CorTrust Bank or an authorized representative thereof has been advised of the possibility of such damages. Some states do not allow the exclusion or limitation of consequential or incidental damages, so the above limitation or exclusion may not apply to you. In no event, shall CorTrust Bank's total liability to you for all damages, losses and causes of action exceed $100.00
Particular CorTrust Bank products and services may not be offered in all states. For specific information, contact us at 1-800-722-0427
**We reserve the right to change this policy at any time by posting a new privacy policy.
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