| The Lowell Five Cent Savings Bank Security Statement | |
Lowell Five's Business and Personal Command Online Banking System combines several proven security technologies designed to protect your financial data. These technologies include: password controlled access, a VeriSign issued digital ID to authenticate the Bank's server, Secure Socket Layer (SSL) protocol for data encryption, a router and firewall to filter and regulate system traffic.
Password Controlled Access To access Business or Personal Command, a customer must enter a unique Login ID and a Password. Your Login ID and Password should be kept confidential.
The Bank's Online System contains a lockout feature to deter users from repeated login attempts. After three unsuccessful attempts to login, the system will lock that user out and the user will need to telephone the Bank before they can re-enter the system. If you believe your password has been compromised, call the Bank immediately at 978.452.1300.
Secure Data Transfer Upon successful login, a Digital ID from VeriSign will authenticate the Bank's server identity and establish a secure session with that customer. Once the Online Banking session is established, your computer and the Bank are in a secure environment. Lowell Five requires the use of 128-bit Secure Socket Layer (SSL) Encryption. Encryption is the process of translating meaningful information into undecipherable code then back into meaningful information. Each time you log on to the Internet Banking System your computer, using an appropriate browser, is assigned a "key" by the Bank. All messages from your computer to the Bank are encrypted based on this 128-bit key. This encrypted information can only be decoded using the Bank's equivalent key. The Bank key is never transmitted on any open network since it resides only on the Bank's system. Each time you log in a different key is assigned so that anyone attempting to break through the encryption would have to start from scratch each time you log in.
Router and Firewall The Bank's systems are protected by "firewalls" set up between the Bank and the Internet. Messages, which arrive at the Bank, must pass through the firewall before they are permitted to reach the Bank's systems. The firewall will reject any unauthorized messages. Lowell Five's systems utilize industry standard security methods. We diligently monitor our systems to detect attempted intrusions or unauthorized access requests. Using the above technologies, your Online Banking transactions are secure.
Consumer Privacy Policy Notice
At The Lowell Five Cent Savings Bank, our mission is to meet the financial desires and needs of our customers. As professionals entrusted with sensitive personal and financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Privacy Policy serves as a standard for all our employees regarding the collection, use, retention, and security of your information.
We believe the confidentiality and protection of your customer information is one of our fundamental responsibilities and that your trust is one of our most important assets. Thus, the safekeeping of your customer information is a priority at Lowell Five.
We collect, use and retain information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes. We use information to administer your records, accounts and funds; to comply with certain laws and regulations; to protect your accounts from fraud and misuse; and to understand your financial needs so that we can provide you with quality products and superior service. The following information helps explain these concepts in more detail.
Information We Collect We collect personal and financial information about you from the following sources:
This information we collect is called nonpublic personal information.
Information We Disclose We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We may disclose all of the information we collect, as described above, to nonaffiliated third parties that perform administrative, processing and other account services, to companies that market services on our behalf, or to other financial institutions with whom we have joint marketing agreements.
When the Bank conducts business with service providers and suppliers, we require these entities to maintain standards to protect the privacy of customer information that is provided to them.
Protection and Confidentiality of Information Lowell Five is committed to the security of your information. We restrict access to customer information from being accessed by unauthorized third parties. We maintain physical, electronic, and procedural safeguards that comply with regulatory standards to protect your information.
Maintenance of Account Information We continually strive to maintain complete and accurate information about you and your accounts. If you believe that our records contain inaccurate or incomplete information about your accounts, please notify us. We will investigate your concerns and correct any inaccuracies as quickly as possible.
Internet Privacy Visitors to our website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:
The Bank may use this information to create summary statistics and to determine the level of interest in information available on our site.
Visitors to our site may elect to provide us with personal information via email or online registration forms. This information is used internally, as appropriate, to process the sender's request. It will not be disseminated or sold to other organizations.
Some areas of our website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited before.
Please be aware that our Privacy Policy only applies while you are at Lowell Five's website, and does not apply if you leave our website by following any links we may have provided for your convenience.
Inquiries Lowell Five recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. Customers who have questions about this policy or have a question about the privacy of their customer information should visit their local banking center location, call the Bank at 978.452.1300, or email us at info@lowellfive.com.
What You Can Do You can help us protect your privacy by following these simple suggestions:
If you would like to reduce the amount of advertising you receive from other companies, you can call 1.877.567.8688 to have your name removed from the National Credit Reporting Agencies:
You can go online at www.optoutprescreen.com
You may also write to the following agencies:
Direct Marketing Association Mail Preference Service P.O. Box 643 Carmel, NY 10512
Direct Marketing Association Telephone Preference Service P.O. Box 1559 Carmel, NY 10512
Include the name, address and telephone number you would like excluded from these lists.
You may also contact the credit agencies directly to have your name taken off all pre-approved credit solicitations. Write to the following credit reporting agencies. Include your name, address and social security number and date of birth.
Experian 901 West Bond Lincoln, NE 68521 ATTN: Customer Service Department
Trans Union Corporation Name Removal Option P.O. Box 505 Woodlyn, PA 19094
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