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Privacy
/ Security Statements
Online
Security Statement
Your
transactions are absolutely safe. The Citizens Bank of East Tennessee
works with cutting-edge technology partners to ensure that the most
secure environment is made possible for our valued customers. We
offer you worry-free Internet banking. You can be completely confident
of the following security measures:
Secure Communications
Our system ensures that data-exchanged between your PC and our computer
is encrypted with 128-bit encryption - the strongest encryption
available. Encryption is accomplished through Secure Sockets Layers
(SSL), which utilizes mathematical formulas to 'encrypt' or hide
information from prying eyes on the Internet. Additionally, if SSL
detects that data was added or deleted after you sent it to the
bank, the connection will be severed in order to guard against any
tampering. The most popular browsers have the SSL security feature
included. How can you tell if your browser is secure? Click
here.
Secure Environment
Our computer system does not connect directly to the Internet. It
is isolated from the network via a 'firewall.' A firewall is a combination
of software and hardware products that designate parameters, and
control and limit the access that outside computers have to the
banks' internal networks and databases. You can feel secure knowing
that our firewall protects your personal information from unauthorized
access.
Secure Login
User IDs and passwords are isolated from the Internet by being stored
on The Citizens Bank of East Tennessee's computer. This way, the
passwords and IDs can never be assessed or downloaded by anyone
on the Internet. Additionally, user passwords can vary from eight
to twelve characters, which means the chance of randomly guessing
a password is less than one in one billion! The system also checks
for invalid logins and automatically disallows a user after three
invalid attempts. This prohibits the 'hacker' from gaining access
to our system, thus protecting your accounts.
Your Password
You will be responsible for maintaining one of the most important
security measures: your password. When you receive your Citizens
Bank of East Tennessee online banking password, be sure to keep
it a secret. Memorize it, or write it down and keep it in a safe
place. It is not recommended you carry your password in your purse
or wallet. Make sure no one watches you enter your password and
always close your browser when leaving the computer. Make sure you
regularly scan your computer for viruses that could be used to capture
password keystrokes. You ultimately hold the key to your password
security.
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NOTICE
OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean The Citizens Bank
of East Tennessee. This is our privacy notice for our customers.
When we use the words "you" and "your" we mean
the following types of customers:
- Our consumer
customers who have a continuing relationship by purchasing or
holding financial products or services such as a(n):
- Deposit account
- Safe Deposit
box
- Retail installment
contract we hold and service
- Self-directed
Individual retirement Account
We will tell
you the sources of the information we collect about you. We will
tell you what measures we take to secure that information.
We first define some terms.
Nonpublic personal information means information about you
that we collect in connection with providing a financial product
and service to you. Nonpublic personal information does not include
information that is available from public sources, such as telephone
directories or government records. Hereafter, we will use the term
"information" to mean nonpublic personal information as
defined in this section.
An Affiliate is a company we own or control, a company that
owns or controls us, or 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 person we do not employ
or a company that is not an affiliate of ours. This also known as
nonaffiliated third party, or simply, an "other party."
THE INFORMATION
WE COLLECT
We collect information about you from the following sources:"
Information you give us on applications or other forms
- Information
about your transactions with us
- Information
about your transactions with other parties
- Information
from consumer reporting agency
THE CONFIDENTIALITY,
SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to 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
to protect this information.
YOUR INFORMATION
AND OTHER PARTIES
We will not disclose information about you to anyone except
as disclosed in this policy or as permitted by law. This might include
disclosures necessary to service your account, perform joint marketing
or prevent unauthorized transactions.
INFORMATION
ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except
as permitted by law.
AUTHORIZED
SHARING JOINT MARKETING
We may disclose the following information to other financial institutions
with which we have joint marketing agreements:
- Information
you give us on an application or other forms, such as:
- Name
- Address
We disclose
the information listed above with other financial institutions with
which we have joint marketing agreements. You do not have a right
to opt out of the disclosure of this information.
Types of
Businesses
We may disclose information pursuant to joint marketing agreements
to the following types of business:
- Financial
service providers, such as:
- Insurance
agents
Reasons for
Disclosing
We may disclose information about you to other financial institutions
with whom we have joint marketing agreements to provide you with
information about additional products and services.
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