Consumers are increasingly concerned about privacy of financial information. At Seneca Federal Savings & Loan Association (Seneca), we are committed to honor your banking relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.
At Seneca, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. While information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. We will maintain standards to ensure that your information is private and secure at all times, and we will explain the principles of financial privacy to our customers on a regular basis. We collect nonpublic personal information about you from the following sources:
· Information we receive from you on applications and other forms;
· Information about your transactions with us, our affiliates, or others;
. Information we receive from consumer-reporting agencies.
We collect and retain information about you only for specific business purposes, and we will tell you why we are collecting and retaining it upon your request. We use information:
· To protect and administer your records, accounts and funds;
· To comply with certain laws and regulations;
. To help us design and improve our products and services;
· To understand your financial needs in order to provide you the best quality products and superior service;
· To make credit granting decisions.
· To provide you with non-traditional products, offered by our affiliates, which we believe may be of benefit to you.
Seneca does not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
We have established procedures to ensure that your financial information is accurate, current and complete. Should you find inaccurate or incomplete information about you in our records, please notify us. We will investigate your concerns and correct any inaccuracies in a timely manner.
At Seneca, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of these issues. All Seneca employees are responsible for maintaining the confidentiality of customer information. Employees who violate our Privacy Policy will be subject to disciplinary measures.
Seneca is committed to the security of your financial and personal information. We maintain physical, electronic and procedural safeguards that comply with Federal standards, to guard your nonpublic personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties.
At Seneca, we value your relationship. We want you to understand how we use the information you provide and our commitment to ensuring your financial privacy. If you have any questions about how Seneca protects your confidential information, please call our Privacy Officer at 315-638-0233
We recognize the importance of protecting the privacy of personally-identifying information that may be submitted to us when you visit our website.
The information we receive depends on what you do when you visit our site. This is how we handle the information we learn about you from your visit to our website.
If you visit our site to read or download information on our web pages such as press releases and checking and savings account information:
We collect and store only the following information about you: name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or a similar domain corresponding to your Internet Service Provider "ISP"); date and time you access our website; pages you may have visited on our site; and Internet address of the website from where you came to visit our website.
We use the information we collect to measure the number of visitors to the different pages and sections of our site, and to help us make our site more useful to visitors.
If you visit our website to use interactive banking tools such as financial calculators and self-tests:
You may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.
If you identify yourself by sending an e-mail or filling forms such as applications, check reorder forms, contact forms and guest registers:
You may be asked for personally-identifying information in order to process your e-mail, form or application. This information may be retained by us and our business partners for processing and to facilitate decisions. Information you submit to us is treated no differently than any information you might provide in a written format such as a brochure application, reorder slip to order checks, or a letter.
We Want To Be Very Clear
We protect and safeguard the privacy of users of our on-line services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.
We will NOT sell personally-identifying information to a third party for the purpose of solicitation or provide personal information to a third party for its own use.
Sometimes we send our customers information about our products and services. If you do not wish to receive this information, or if you believe that your personal information is incorrect please contact us. We will investigate the situation and if appropriate update our records.
If you have any questions that are not answered in this section please contact us.
Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank's Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.
Secure Data Transfer
Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.
Router and Firewall
Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your Online Banking and Bill Pay experiences are secure.
