Q Privacy Pledge
We will not sell personally identifying information
Queensborough National Bank & Trust 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.
Categories of information we collect
Queensborough National Bank & Trust collects non-public personal information about you from the following sources:
- Information we receive from you on applications or other forms you provide us;
- Information that we receive from processing your accounts with us, and the transactions in those accounts, as well as information that we receive from providing services to you;
- Information we receive from a consumer reporting agency.
Categories of information we disclose
We may disclose the following kinds of non-public personal information about you:
- Information we receive from you on applications or other forms, such as your name and address, your social security number, your assets and income and the name of your employer. We may disclose this information, for example, to verify information that you have provided us, to service providers in the closing of a real estate loan, or to determine whether a loan that you have applied for will be sold to the secondary market;
- Information about your transactions with us, such as your account balance. We may disclose this information for example, to the operator of the interchange that processes our ATM and debit card transactions;
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history. We may disclose this information, for example, to a financial institution that is our affiliate, so that it can determine the products that it offers that would be of value to you;
- We may also disclose non-public personal information about you to non-affiliated third parties as permitted by law.
Categories of third parties to whom we disclose information
We may disclose non-public personal information about you to the following types of third parties:
- Affiliates of Queensborough National Bank & Trust, such as our holding company and any other banks or companies owned by our holding company or bank. We also reserve the right to disclose information to a securities affiliate should we acquire one in the future;
- Service providers to the bank, such as the company which prints our checks and the companies that provide us automation services;
- Parties involved in the closing and servicing of a loan that we make to you, such as appraisers, flood zone certification companies, attorneys, title companies and credit reporting agencies;
- Other banks and financial institutions;
- Non-financial companies, such as merchants who inquire whether you have funds on deposit sufficient to pay a check which you have written; and
- We may also disclose non-public personal information about you to non-affiliated third parties as permitted by law. We do not disclose non-public personal information about former customers to non-affiliated third parties except as permitted by law.
- Other bank and financial institutions with whom we have joint marketing agreements.
- Non-financial companies that perform services for us such as data storage, document shredder, recycling, mail service, and record retention.
Confidentiality and Security of Your Information
It is the policy of Queensborough National Bank & Trust to assure that the information it has about its customers is accurate. It is also the policy of the bank that information it has about its customers is highly confidential and should only be available to persons who have a need for the information to properly service a customer's account, act upon a customer's request or to fulfill that person's job responsibility. Queensborough National Bank & Trust has extensive security procedures that insure that it's confidentiality policy is followed. Customer information is maintained in paper-based files and electronic databases. All paper-based files are kept in a controlled area. Access to every file is limited to bank personnel who have a need for access to the information in the file to properly carry out his or her job responsibility. The bank's automation systems have a complex set of passwords, user identifications and terminal identifications that limits each employee's access to information in the systems to that information that he or she requires to properly carry out his or her job responsibility.
What you can do to help
Queensborough National Bank & Trust is committed to protecting your right to privacy. You can help by following a few guidelines:
- Protect your account numbers, personal identification numbers (PINs) or passwords. Never keep your PIN with your ATM or debit card, which can provide access to your accounts if your card is lost or stolen.
- Use caution when disclosing your account numbers and social security numbers to other individuals.
- Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of your account, we will attempt to contact you immediately.
Finally, if you have questions about our practices concerning financial privacy, please contact the following:
Financial Privacy Officer
Queensborough National Bank & Trust Co.
P.O. Box 467
Louisville, GA 30434
This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.
Secure Data Transfer
Once the server session is established, 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
Requests 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 Internet banking transactions are secure.