Online Banking Privacy Policy

While our privacy policies are the same whether you are online or not, we have extra measures in place to protect your privacy when you bank online with SAIB.

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. With that in mind, we have developed this policy to help you to understand the steps we take to protect your personal information when you utilize our Internet services.

This institution may utilize the services of third party providers to assist us in providing online services, such as website hosting, Online banking, bill payment, and aggregation services. These third party providers are referred to within this policy as "service providers".

Information Collected on 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 a secure mail or complete the first login scenario. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.

As part of providing online financial products or services, we may obtain information about our customers and website visitors from the following sources:

Information we receive from you on applications, emails, or other forms;
Information about your transactions with this institution and our affiliates;
Information we receive from a consumer-reporting agency; and
Information that is generated electronically when you visit our website; and
Information that is generated electronically when you use our Online banking services.

We may collect general information on our website visitors simply to help us provide banking and other financial services to you online. We collect the following information on our behalf for security and statistical purposes:

The Internet address (referral site) which brought you to our website;
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.

We may use cookies to collect some of the above information. We may also use cookies for security purposes within our Online banking product. Additionally, cookies may be used for customization and personalization of our website.

Additional information about IP addresses and cookies are provided below.

Internet Protocol (IP) Addresses

An IP address is a number that is automatically assigned to your computer whenever you are on the Internet. Web servers, the computers that "serve up" web pages, automatically identify your computer by its IP address. When collecting information, we do not link IP addresses to anything personally identifiable; however, we may use IP addresses to audit the use of our site. We can and will use IP addresses to identify users 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 drive, your computer's memory, or in your browser so that it can be read back later. Cookies are a basic way for a server to identify the computer you happen to be using at the time. 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 in secure online banking.

We use cookies for security purposes within our Online banking product and to facilitate the customization and personalization of our website. For your security, we do not store any personally identifiable information in cookies, which are further described below.

Use of Information Collected

We do not disclose any non-public personal information about our customers, former customers, website visitors to anyone, except as permitted or required by law.
We do not sell any of your personal information.
We may disclose aggregate (not personally identifiable) customer information that we collect on our website to companies, and/or financial institutions that perform marketing and research services on our behalf and with whom we have joint marketing agreements. Our contracts require these companies and/or financial institutions to protect the confidentiality of your personal information to the same extent that we must do.

Email Policies

We may send you email notices for certain required disclosures if you agree to accept electronic disclosures and/or online account statements. If you have agreed to accept disclosures electronically, we may send you an email with updates to this policy and/or we may send you an email at least annually to remind you where the Privacy Policy can be viewed from our website. For more information on how to enroll for electronic disclosures, please contact us on 16668.

If you send us an email, please do not include any non-public personal or sensitive information, as email messages may not be secure and/or confidential. We offer secure messaging through our Online Banking service. You should use the secure messaging service anytime you send us sensitive personal information.

Security

The bank has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information on a "need to know" basis. We maintain physical, electronic, and procedural safeguards that comply with legal 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 have developed a top-of-the line security system to ensure your customer information is protected on the Internet and within the data center environment.

Privacy Updates

New product releases may require changes to our Privacy Policy. The effective date of our policy will always be clearly displayed. If we make any changes regarding the use or disclosure of your personal information, we will provide you prior notice and the opportunity to opt-out of such disclosure if required by law.