You Are Here: Home > Privacy & Security Statement

Privacy & Security Statement

Privacy Policy

Notice of Your Financial Rights

We, our, and us, when used in this notice, mean Flora Bank and Trust.

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
- Loan account
- Credit card account
- Safe deposit box
- Self-directed Individual Retirement Account
- Financial, investment, or economic advisory services

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 or 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 is 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 our affiliates
Information about your transactions with other parties
Information from a consumer reporting agency
Information we receive as a result of verifying customer information

Information We Disclose About You

We may disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement:

Information we receive from you on an application or other forms, such as your name, address, social security number, assets and income.
Information about your transactions with us, our affiliates or others, such as your account balance, payment history, parties to the transactions and credit card usage.
Information we receive from a consumer-reporting agency, such as credit worthiness and credit history.

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.

Information About Former Customers

We do not disclose information about former customers, except as permitted by law.

Security Statement

Privacy

Privacy refers to protecting the confidentiality of information enroute over the Internet. Flora Bank & Trust utilizes a secure Web site provided by our vendor, Precision Computer Systems (PCS). Individuals surfing our site with a browser that supports authentication and encryption have the option of utilizing this secure site. Browsers that support the SSL (Secure Sockets Layer) protocol provide the following:

Encryption

Encryption provides privacy for the data flowing on the Internet between your browser and PCS's server. SSL utilizes public key cryptography.

Public Key Cryptography is a technique that uses a pair of keys, one public (or distributed) and one private (or confidential), for encryption and decryption. The public key can be distributed using a certificate that verifies the identity of the owner. The private key is kept confidential. Whenever an account holder accesses this Flora Bank & Trust Web site, the session is protected by public key cryptography.

To see at a glance if a session is secure, check the key icon at the lower left corner of the Netscape® screen. If it is intact and a blue line appears at the top of the screen, than all messages are secure. If the icon appears as a picture of a broken key then encryption is not in use and the current session is not secure. If you are using Internet Explorer®, the icon indicating a secure site is a locked padlock in the lower right corner of the screen.

Authentication

SSL protocol allows for the transfer of digitally-signed certificates for authentication procedures and provides message integrity, which ensures that the data can't be altered enroute.

Authorization

It is important to verify that only authorized persons log into Flora Bank & Trust OnLine Banking. This is achieved by verifying your password. When you submit your password, it is compared with the password we have stored in our secure data center. You have three (3) tries to enter your password correctly. If you enter an incorrect password 3 times, your online banking account will be locked until you call us to reinitialize the account.

You play a critical role in preventing others from logging on to your account. Never use passwords that are easy to guess. Examples of bad passwords are birth dates, first names, pet names, addresses, phone numbers, social security numbers, etc. Never reveal your password to another person. Your password can be changed periodically if you desire.

Network Security

While we strongly recommend that you always sign off (log out) when you are finished with your online banking activities, as a security feature, Flora Bank & Trust Online Banking will "timeout" after 10 minutes. This is done to prevent others from accessing your accounts in case you have left your PC unattended without logging out.

Our main server is not directly connected to the internet and is protected by firewalls. The requests you make via the internet are handled indirectly to further protect your accounts.