Privacy Policy
Effective 2006
Village
Bank recognizes the importance our customers place on privacy and the
security of their personal information. Our
goal is to protect your personal information in every way that we interact
with you, whether it's on the telephone, in our lobby, at one of our
ATMs, or on the Internet.
We think
it is important for you to be informed of the policies, procedures,
and security measures we have in place to safeguard your personal and
confidential information. We have developed this policy to help you
to understand the steps we take to protect your personal information.
Privacy
Updates
New
product releases may require changes to our Privacy Policy. The effective date of our policy will
always be clearly displayed. We
will provide our customers copies of our Privacy Policy on an annual
basis. If you have agreed to accept disclosures electronically, we may
send you an email telling you where the Privacy Policy can be viewed
from our website.
How
We Gather Information
As part
of providing financial products or services, we may obtain information
about our customers and consumers from the following sources:
Information
about your transactions with us, our affiliates, and others;
Information
we receive from a consumer-reporting agency; and
Information
that is generated electronically when you visit our website or use our
Internet Banking services.
Privacy for Internet Users
Our
commitment to safeguard your privacy also extends to the Internet.
If you
are just browsing through our website, we do not request any personally
identifiable information, nor do we collect unique identifying information
about you unless you voluntarily and knowingly provide us that information,
such as when you send us an email or complete an application online.
If you provide us this information, it is only used internally and in
furtherance of the purpose for which it was provided.
Our
Internet financial services provider, FundsXpress Financial Network,
Inc. (FundsXpress) and/or our Website Host, Corpranet, Inc. (Corpranet)
may collect general information on our website visitors simply to help
us provide banking and other financial services to you online. They
collect certain information on our behalf for security and statistical
purposes. The information collected for these purposes may include:
The
date and time you access our site;
The
name and version of your web browser;
The
Internet service provider you used when you accessed our site;
Your
Internet Protocol (IP) address; and
The
pages visited in our website.
FundsXpress
and/or Corpranet may use cookies to collect this general information
on all website Visitors. They
also use cookies for security purposes in our Internet Banking service.
In the
future, we may use aggregate, general, non-personally identifiable information
to help us market our products and services that may be of interest
you.
Additional
information about IP addresses and cookies are provided below.
Internet Protocol (IP) Addresses
An IP
address is a number that's automatically assigned to your computer whenever
you're on the Internet. Web
servers, the computers that "serve up" Web pages, automatically identify
your computer by its IP address.
When
collecting information for us, FundsXpress and/or Corpranet does not
link IP addresses to anything personally identifiable, which means that
a user's session will be logged, but the user remains anonymous.
FundsXpress
and/or Corpranet may use IP addresses to audit the use of our site. They can and will use IP addresses to
identify a user when necessary for security purposes.
What is a Cookie?
A cookie
is a very small text file sent by a web server and stored on your hard
disk or in your browser so that it can be read back later. Cookies
cannot “read” information about you from your computer or
be used to “steal” information about you; and cookies don’t
carry viruses. Cookies are a basic way for a server
to identify you (most cookies actually identify the computer you happen
to be using at the time, not you personally). Cookies are used for many
things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors
and they perform a very important function when you engage in secure
Internet banking. For your
security, we do not store any of your personal information in our cookies.
The cookies used in our Internet banking system are further described
below.
Internet
Banking Cookies
FundsXpress
uses encrypted cookies that do not pass to your computer’s hard
drive. Instead, the cookie is stored in your computer’s memory,
identifying only your computer while you are logged on. Only
FundsXpress can read the information in these cookies. This
Internet banking cookie allows FundsXpress to process multiple transactions
during your session without requiring you to reenter your pass code
for each individual transaction. The cookies for Internet banking simply
provide another level of security for our Internet banking product.
When
you log off, or close your browser, the cookie is destroyed. A new cookie
is used for each session. That way, no one can use the prior cookie
to access your account. For additional security, the cookie expires
after 10 minutes of inactivity. It must then be renewed by reentering
your pass code. FundsXpress does not (and cannot) use this cookie to
collect or obtain new personal information about you. You
must allow your browser to accept this cookie so you can use the Internet
banking system.
Disclosure and Use of Information
We do
not disclose any nonpublic personal information about our customers,
former customers, or website visitors to anyone, except as permitted
by law.
We must
provide certain customer account information to service providers, such
as FundsXpress, so that we may process your Internet banking transactions.
We do
not sell any of your personal information.
Email
Policies
In the
future we may send you email notices for certain disclosures if you
choose to accept electronic disclosures or statements. We
may also send you emails to market our products and services that may
be of interest you. FundsXpress
may send these emails on our behalf.
External 3rd Party Links
Our
Website has links to other 3rd party sites. These links are offered
as a courtesy and a convenience to our customers.
Village
Bank is not responsible for the privacy practices or the content of
such web sites. As a general
rule, you should always look for and review a site's privacy policy
before giving out any personal information.
Third
party merchants may collect personal information from you when you visit
their sites. For example,
they collect personal information from you when you provide billing
information or send them an email. Some
third party merchants may also send you a cookie to collect data on
your Internet usage and preferences. When
you click on advertisements at third party sites, the advertising company
may also send you a cookie. With
the exception of our service providers, FundsXpress and Corpranet, we
do NOT have access to the information collected by any third party,
nor can we control how they use this information. If
you have questions or concerns about the privacy policies and practices
of these third parties, please review their websites and contact them
directly.
Security
Village
Bank has developed strict policies and procedures to safeguard
your personal information. We restrict employee access to
your sensitive personal information to a "need to know" basis. We
maintain physical, electronic, and procedural safeguards that comply
with federal regulations to guard your nonpublic personal information.
We educate our employees about the importance of confidentiality and
customer privacy. We
take appropriate disciplinary measures to enforce employee privacy responsibilities.
We offer secure email through our Internet Banking service. You should
always use the secure mail service anytime you send us sensitive personal
information.
Our
Internet Banking service provider, FundsXpress, has also developed security
policies and procedures to protect the customer information that they
must collect and maintain to help us process your banking transactions
over the Internet. They have developed a top-of-the line security system
to insure your customer information is protected on the Internet and
within the FundsXpress environment. For more information on the FundsXpress
security measures, please visit their website at www.fundsxpress.com.
Privacy of Children
Village
Bank respects the privacy of children. We
do not knowingly collect names or any other personally identifiable
information from children. We
do not knowingly market to children nor do we allow children to open
accounts online without parental consent.
Questions
If you
would like to know what information we have collected in connection
with your use of our products and services, including Internet based
products and services, please contact us at (417)823-0400.
After
reviewing the information, if you believe any of the information is
in error, contact us either by phone or email,
or send a letter that explains the alleged discrepancy. If the information
is incorrect, we will work with you to ensure your information is promptly
updated.
In addition,
if you believe any information that this financial institution or FundsXpress
has collected about you has been used for an improper purpose; please
contact us at PO Box 10326, Springfield, MO 65808-0326. Explain
your concerns in as much detail as possible so that we may take any
appropriate action.
Fair Credit Reporting Act
Fair
Credit Reporting Act Notice
We may share all or portions of customer information collected with companies in our organization. By sharing information about your accounts and relationships among our family, we can save you time and money. It will also be easier for you to access the wide range of products that we offer. You should know, however, that the law permits you to direct us NOT to share certain information with affiliate companies in our organization. If you prefer that we not disclose nonpublic personal information about you to our affiliates, you may opt out of those disclosures. That is, you may direct us not to make disclosures (other than those disclosures permitted by law). If you wish to opt out of disclosures to our affiliates, you may call the following toll-free number (417)823-0400 or send us email.