At The Patapsco Bank, our commitment to protecting your privacy extends to our Web site and Online Banking services. This Web site/Online Privacy Statement supplements the privacy statement that we have provided to all of our customers. This statement explains the additional procedures we use to protect your privacy online. This Statement describes the technological procedure that we have to safeguard personally identifiable information that is collected about you online.
The Patapsco Bank's policy regarding the collection of information while visiting this Web site
Browsing and Using Financial Planning Tools
If you are browsing this Web site, or using our financial calculating tools, we do not collect, capture, or retain personally identifiable information about you. Our financial calculating tools are designed to assist you in making decisions concerning loan, deposit, and other products. We do not receive any of the information that you input into our calculators. We do, however, collect certain data that does not personally identify you. We use such data to track Web site usage, such as the number of hits, pages visited, and the length of user sessions, so that we can evaluate the usefulness of this Web site.
Printable Applications Online
We collect personally identifiable information about you if you fill out an application that we have made available to print online. This information must be completed and mailed to the appropriate area of the Bank. We will use this information to consider your request. We may also provide this information to a non-affiliated third party, such as a credit reporting agency, to consider you for a loan, or as otherwise permitted by you or by law.
If you apply for Online Banking, we will collect personally identifiable information about you, just as we would for a transaction conducted in person at a branch. We will use this information (and may furnish it to a third-party service provider) to complete a transaction that you have initiated, to provide you with the services that you have requested, or as otherwise permitted by you or by law.
The Patapsco Bank collects personally identifiable information about you only on secure Web pages. There are two ways to determine whether or not the Web page you are visiting is secure:
1. Look at the address of the Web page being viewed. An "s" at the end of http indicates that you have accessed a secure server using SSL technology (defined below). Thus, any web page beginning with https:// is secure.
2. If you are using Microsoft Internet Explorer 5.5 or a higher version of either of these browsers, look at the lower right hand corner of the browser's window. A picture of a lock or key, depending on the browser, should be visible. If the lock is closed or the key is solid, you are visiting a secure web page. If the lock is open or the key is broken, however, the site you are visiting is not secure.
DO NOT INPUT PERSONALLY IDENTIFIABLE INFORMATION ON A WEB PAGE THAT IS NOT IDENTIFIED AS BEING SECURE.
Additionally, when you sign up for Online Banking we will issue you a User Identification Number and a Personal Identification Number (PIN). To protect your privacy and your accounts, you will need to input these numbers to access your accounts via Online Banking.
SSL is the abbreviation for an encryption technology called Secure Sockets Layer. SSL provides secure communications over the Internet by verifying that the server to which you are connected is the one it claims to be. It also encrypts all transactions between the parties.
Encryption is the way in which information is scrambled when it is sent over the Internet. Your data is made indecipherable to any other party when encryption is used. The strongest form of encryption available over the Internet today is 128-bit. We currently accept 128-bit or higher encryption for security.
Cookies are pieces of data assigned by a Web Server to the browser on your PC. Cookies help web sites recognize return visitors. When you return to a web site that you have visited before your browser gives this data back to the server. The site that has sent the cookie is the only one that can read the cookie.
If you do reject cookies, however, you may not be able to access or use all parts of this Web site. An alternative to rejecting all cookies is to reject cookies when you are browsing, but accept cookies when you want to use any of the special features of the Web site.
If you access information via a public computer, such as at a public library, it is important that you properly log off each interactive feature on the web site that you have visited, such as Online Banking. This will help ensure the security and privacy of your visit.
This Web site is not designed to attract children under the age of 13 and it does not knowingly capture personal information about children.
Web Site Links
You may be able to link to other Web sites from this one. Be advised we do not control how the owners of other Web sites use information that you might provide to them, and we are not responsible for the privacy and security of these sites. Please review the privacy and security policy of each Web site you visit prior to providing them with personal information. The Patapsco Bank disclaims all liability for any third-party Web site providers and for the fitness of their products and services.
THE USE OF ANY LINK FROM THIS WEB SITE TO A THIRD-PARTY WEB SITE EVIDENCES YOUR AGREEMENT THAT YOU WILL NOT HOLD THE PATAPSCO BANK LIABLE FOR ANY CLAIM RESULTING OUT OF YOUR USE OF, OR ANY PRODUCTS OR SERVICES THAT YOU OBTAIN THROUGH THE THIRD-PARTY LINKED WEBSITE.
We encourage visitors to inquire or comment on our products and services via email. However, the information included in your e-mail and our responses are not secure. We may retain a copy of the e-mail message, our response, and your e-mail address for a limited time to meet legal and regulatory requirements.
Protection of Information
We understand that the protection of your non-public personal information is of the utmost importance. We maintain procedures and policies to safeguard your privacy. We restrict employee access to customer information to only those who have a business reason to know such information, and we educate our employees about the importance of confidentiality and customer privacy. We maintain physical, electronic and procedural safeguards to guard our non-public personal information.
If you have any questions or concerns about your privacy in connection with this Web site, or if you would like us to send you our most current Privacy Notice stating our policies concerning the sharing of customer information with affiliates or non affiliates, please contact us at 410-285-1010 or 1-800-285-1677 or send an email request to email@example.com.
Safeguarding Your Information Online
Watch out for copycat Web sites that deliberately use a name or Web address very similar to , but not the same as the real one . The intent is to lure you into clicking through to their Web site and giving out your personal information, such as a bank account number, credit card number or Online Banking login information.
- Always use your pre-established links to access Web sites and avoid clicking on links in unsolicited e-mails. If you ever receive a suspicious email representing itself as The Patapsco Bank, please forward the message in its entirely to: firstname.lastname@example.org
- Ensure that your own personal computer has updated anti-virus and firewall protections. Apply security patches for all your programs and operating systems regularly.
- Passwords should be unique to you and changed regularly. Do not use birthdays or other numbers or words that may be easy for others to guess. Never write down your password or give it to another person.
- Monitor your account activity frequently using our free Online Banking services.
- Set up free Security and Balances Alerts through Online Banking to be notified via phone, e-mail and/or SMS text message when there is login activity or changes in your expected balance.
- Please keep in mind that we will never ask for or email you requesting your online banking password. We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns. If you plan to travel and use your Online Banking or debit card, it is very helpful to call us in advance to avoid your account being temporarily disabled for security purposes.
- In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
- For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors that are covered by Regulation E are explained in the EFT Disclorsure Statement in our Consumer Terms and Conditions brochure. However, if you use online services for any business activity, you assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to prevent all unauthorized use by other employees or persons.
For additional information concerning online safety and security visit: