Protecting your privacy, along with
your financial assets, is at the core of our business. You have
chosen to do business with us, and we recognize our obligation to keep
the information you provide to us secure and confidential.
Our commitment to protect your financial information
will continue under the principles and guidelines described above.
Keeping Your Information Secure
Keeping your financial information secure is one of our
most important responsibilities. We value your trust and handle your
information with care. Our employees access information about you
when needed to maintain your accounts or otherwise meet your needs. We
may also access information about you when considering a request from
you for additional services, such as borrowing under a credit agreement
or loan, requesting a debit card or opening a new account, or when
exercising our rights under the law or under any agreement we may have
with you.
We safeguard information according to established
security standards and procedures, and we continually assess new
technology for protecting information. Access to your personal
and account information is restricted to those employees who need to
know that information to provide products or services for you. We
maintain physical, electronic and procedural safeguards that comply
with federal standards to guard our nonpublic personal information.
Our employees are trained to understand and comply with
these information principles.
Meeting Your Needs
In the course of business, we collect and use various
types of information, such as information available from public
records, market research and credit reports. Of course, we also collect
information you provide to us.
Specifically, we gather information about you from the
following sources:
- Information we receive from you in applications and
other forms.
- Information about your transactions with others and
us.
- Information we receive from consumer reporting
agencies, such as credit bureaus and check reporting services.
We use this information to help us make informed decisions about how to
best service your accounts and provide the services and products you
request.
How and Why Information is Shared
We limit who receives information and what type of
information is shared. We share information in order to increase the
level of service you receive and to bring you greater convenience.
Liberty Bank, SSB and it's subsidiary, Liberty
Mortgage (Liberty Bank, Liberty or Bank) do not share any customer
information with third party marketers offering their products and
services. While we may offer products and services from third parties,
such as check printing companies, Liberty Bank will control the
customer information used to make the offers.
However, by sharing information about your accounts and
relationship within our bank, we can serve you more efficiently and
make it easier to do business with us. For example, if you have a
deposit account with us and would like to borrow money from us, we may
share information you have provided to us. For example, if you have a
deposit account with us and would like to borrow money from us, we may
share information you have provided to us. This could save you time in
opening your new account since you would not have to furnish the same
information twice.
We may also share information from your applications and
from external sources, such as credit bureaus, within our Bank.
Sharing Information With Companies That Work For Us
To assist us in offering you services, we share
information with companies that work for us, such as check printing
companies and data processing companies. These companies might, for
example, assist us in processing checks and deposits, maintaining
account records or mailing statements. They may also offer you certain
products and services, such as checks or deposit tickets. These
companies act on our behalf and are obligated to keep the information
that we provide them confidential.
Other
Information may also be exchanged with credit bureaus
and similar organizations, provided when legally required to permitted,
or in connection with a fraud investigation, an acquisition or the sale
of your account to another financial institution.
If we receive a subpoena or similar legal process
demanding release of any information about your, we will generally
attempt to notify your (unless we believe we are prohibited from doing
so.) Except as required by law or as described above, we do not share
information with other parties, including government agencies.
Certain information, such as fiduciary information, is
subject to very strict limitations regarding the sharing of
information, both internally and externally.
Offering You Choices
To make your financial life easier, we offer you
different ways to manage your money. You also have choices when it
comes to learning about new offers and services. For example, you can
choose not to receive notification about any offers made by mail,
telephone or e-mail. You can also choose not to have information from
an application or an outside source, such as a credit report, shared
within our Bank. Whatever your preferences, we will honor your request.
(Please note that we will continue to share some account information
within our Bank as permitted by law. We will do so for internal
purposes or to provide more value and better service.) To tell us your
preferences, you can:
- Visit your nearest banking office.
- Call us at the telephone number listed on your
statement.
- Send an e-mail to [email protected]
- Write to:
Liberty Bank
Attn: Cashier
P.O. Box 2167
Austin, Texas 78768
If you would like to reduce the amount of advertising you receive from
other companies, you can write the following agencies:
For advertising received through the mail :
Mail Preference Service C/O Direct Marketing
Association
P.O. Box 9008
Farmingdale, NY 11735-9008
For advertising received via the telephone :
Telephone Preference Service
C/O Direct Marketing Association
P.O. Box 9014
Farmingdale, NY 11735-901
Please be sure to include complete information about
each name, address and telephone number you would like excluded from
these lists. If you have moved within the last year, please also
include your old address and phone number. The same is true for name
changes and the addresses and phone numbers associated with each name.
If you would like to have your name taken off all
pre-approved credit solicitations you can write the following credit
reporting agencies. Please be sure to include your name, current
address and Social Security Number.
Experian
Consumer Opt Out
P.O. Box 919
Allen, TX 75013
Options Equifax, Inc.
P.O. Box 740123v
Atlanta, GA 30374-0123
Trans Union Corporation
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328
Count on Our Commitment to Privacy
You can count on us to keep you informed about how we
protect your privacy and limit the sharing of information you provide
to us - whether it is at a bank office, over the phone, through the
mail or over the Internet.
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 Internet loan
application and check reorder transactions are secure.
