Howard Bank Online Privacy Statement
At Howard Bank, our commitment to protecting your privacy extends to our Web site and Online Banking services. This Web site/Online Privacy Statement supplements the comprehensive privacy statement that we provide to all of our customers and sets forth the additional procedures that we employ to protect your privacy online. This Statement is intended to help answer any questions that you might have concerning your privacy in connection with this Web site and Online Banking, and it describes the technological procedure that we have in place to safeguard any personally identifiable information that we collect about you online.
What is Howard's policy regarding the collection of information from those who visit this Web site?
- Browsing and Using Financial Planning Tools
If you are just browsing this website, we do not collect, capture, or retain any personally identifiable information about you. Our financial planning tools are designed to assist you in making decisions concerning our loan, deposit, and other products. We do not receive any of the information that you input into our demos or other financial planning tools. We do, however, collect certain data that does not personally identify you. We use such data to track website usage, such as the number of hits, pages visited, and the length of user sessions, so that we can evaluate the usefulness of this website.
- Online Applications
We collect personally identifiable information about you if you fill out an application that we have made available online for a loan or other product that we offer, just as we would if you sent us your application through the mail. We will use this information to consider your request for a loan or other service. We may also provide this information to a third party, such as a credit reporting agency (if we are considering you for a loan), or as otherwise permitted by you or by law. Please see our comprehensive privacy statement for further details -- if you would like us to send you a copy, please call Customer Service at 410-750-0020 or send an email request to Customer Service.
- Online Banking
If you engage in 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. Please see our comprehensive privacy statement for further details -- if you would like us to send you a copy, please call Customer Service at 410-750-0020 or send an email request to Customer Service.
If Howard Bank collects personally identifiable customer information, does it do so on secure webpages?
Yes. Howard collects personally identifiable information about you only on secure webpages. The highest level of validation, Extended Validation (EV), is the safest and most extensive. With Extended Validation the company requesting the certificate has to prove their identity as well as their legitimacy as a business. You can tell if a site has an EV certificate by looking at the address bar. Browsers show a green address bar with a lock icon for websites with EV certificates, as shown in the picture below.
DO NOT INPUT PERSONALLY IDENTIFIABLE INFORMATION ON A WEB PAGE THAT IS NOT IDENTIFIED AS BEING SECURE.
What is SSL?
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.
What is encryption?
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.
What are cookies?
Cookies are pieces of data assigned by a web server to the browser on your PC. Cookies help web sites recognize return visitors. So, when you return to a web site you've 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. Contrary to reports about cookies and online privacy, cookies do not contain viruses and most cannot reveal any personal information about you unless you willingly provide it as a user on a site.
Yes, although you can set your browser to reject cookies. If you do reject cookies, however, you may not be able to access or use all parts of this website. 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 website.
How do I reduce the chance that my information could be accessed by another person after I use a public computer?
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.
About Children's Privacy
Howard Bank's web site is not designed to attract children under the age of 13 and it does not knowingly capture personal information about children.
Does this website link to other websites?
YOUR USE OF ANY LINK FROM THIS WEB SITE TO A THIRD-PARTY WEB SITE EVIDENCES YOUR AGREEMENT THAT YOU WILL NOT HOLD HOWARD BANK LIABLE FOR ANY CLAIM ARISING OUT OF YOUR USE OF, OR ANY PRODUCTS OR SERVICES THAT YOU OBTAIN VIA, THE LINKED THIRD-PARTY WEBSITE.
We invite visitors to our site to use email to inquire or comment about our products and services. The information included in your email and our responses is not secure. Additionally, we may retain copies of these email messages, our response, and your email address for a limited time for quality control purposes or to meet legal and regulatory requirements.
Restricted Access to Information/Contact Us
We are committed to protecting your privacy and the security of the information that you share with us. We restrict access to personally identifiable information about you to those employees who need to know that information to provide you with the products or services that you have requested (or to third parties as described above). 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 comprehensive Privacy Statement setting forth our policies concerning the sharing of customer information with affiliates or non affiliates, please call us at 410-750-0020.