Online Privacy Statement
Rondout Savings Bank takes your financial privacy seriously and is committed to protecting the privacy and personal nonpublic information of all our customers.
Nonpublic sensitive customer information means a customer’s name, address or telephone number in conjunction with the customer’s Social Security number, driver’s license number, account number, credit or debit card number, or a personal identification number or password that would permit access to the customer’s account.
Confidentiality And Security
Access to nonpublic personal information is restricted to those employees who need to know that information to provide products and services to you.
Rondout Savings Bank maintains electronic, physical and procedural safeguards that meet or exceed federal regulations to guard your nonpublic personal information.
Information We Collect About You
Sound banking practices and federal laws require us to gather certain nonpublic personal information about you as a condition of establishing and maintaining a customer relationship. For example, we gather information by requiring;
- Information we receive from you on applications or other similar forms;
- Information about your transactions with us, our affiliates, or others;
- Information we receive from a consumer reporting agency
Visitors to the Rondout Savings Bank web site remain anonymous. Rondout Savings Bank does not collect identifying information about visitors to our site.
Standard web server software is used to collect non-identifying information about our visitors, such as:
- Date and time site was accessed
- Files that were accessed
- IP address and Domain Information
We use this information to measure the number of visitors to our site.
Submission Of Information
Visitors may provide us with personal information when they send us e-mail, or when they fill out and submit the Community Dividend Grant Application. This information is used internally, as appropriate, to handle the sender’s request, or complete a transaction. It is not sold or given out to other businesses or organizations.
Cookies are pieces of data used by web servers to identify individual users that have accessed a web site. Cookies are placed on a users PC to help navigate and personalize their online experience.
When using BankFromHome, our online banking product, a cookie is used with the initial login to the secure site and stored in the memory of the PC. The cookie is not written to disk. It helps identify a valid user on the site and allows you to navigate freely through the various features without logging in each time you move to a new page. Once you exit our online banking site, the cookie is no longer needed and removed from memory.
Links provided by Rondout Savings Bank to other third party web sites are there for your convenience. We can not guarantee the security, or privacy of the site you are entering once you leave Rondout Savings Bank's web site. Rondout Savings Bank does not guarantee any claims made by these third parties, or their affiliates.
Rondout Savings Bank is committed to providing the highest levels of privacy when it comes to the collection of personal information about our customers and visitors to our web site.
Rondout Savings Bank does not and will not ask for personal information by telephone, email or over the Internet. We urge all of our customers to protect your personal information and be extremely suspicious and cautious of any phone call or email that asks for such information. If you believe you have been fraudulently contacted please notify Rondout Savings Bank immediately at (845) 331-0073
Rondout Savings Bank is committed to protecting your privacy and security. We will never initiate a request for sensitive information, such as a Social Security number, account number or PIN, from you via email, phone or over the Internet. You should never share your personal ID, password, PIN or account number with anyone.
Below are some of the safeguards we have in place to protect against security breaches in the online environment:
Access ID And Password
Our system is designed to limit online account access to those possessing the Access ID and Password associated with your online account(s).
We have encryption technology in place (currently, 128 bit SSL) that allows for the protection of data in transit between your computer and ours. A secure website address will begin with https:// (the “s” signifies secure). The “closed lock” icon will usually indicate whether a communication session is encrypted also.
Our computer systems include “firewalls” that we monitor and that are designed to protect against unauthorized access to our systems.
Our system is designed to log you off automatically after twenty minutes of inactivity.
Your Account Number
Generally, we only display the last four digits of your account numbers online to prevent people looking over your shoulder from seeing the full number.
Things you should do to protect yourself online:
Access ID and Password – Please follow these rules to protect yourself
- Never disclose your Access ID or Password to anyone else;
- Memorize your Access ID or Password, don’t write them down;
- Change your password frequently;
- Don’t use birth dates, family names, or other easily guessed letters or numbers;
- Don’t be taken in: WE WILL NEVER SEND YOU AN E-MAIL ASKING FOR YOUR ACCESS ID OR PASSWORD OR A LINK TO A WEB SITE ASKING TO ENTER PERSONAL INFORMATION.
When you are done online, log-off (look for the log-off link we provide). We suggest you do this before you shut your computer off and before you surf to any other web sites.
Email And Fraudulent Websites (“Phishing And Spoofing”)
Sometimes criminals may send you email that looks like it has come from Rondout Savings Bank, a regulator or an auditor. These phony emails ask you to go to a website that also looks like Rondout Savings Bank’s website and provide your personal account information. Many thieves or hackers will send you an e-mail that will ask you to click on a link that takes you to a web site (or pop-up window) where you will be asked to “confirm”, “verify”, “update” or otherwise provide sensitive information (such as your account number, password, PIN, or social security number). Some of these phony emails even caution that if you don't do this, your account may be suspended. But the website is also a fake, and this is a fraud attempt.
This is the most common type of online fraud, and is called "phishing and spoofing". Criminals send these phony email messages or direct someone to a fraudulent website for one goal, to steal personal and financial information.
If you should ever receive an email that appears to be suspicious, do not reply to it or click on the link it provides. Simply delete it. To report a suspicious email that uses Rondout Savings Bank’s name, you can forward it to email@example.com (If you have general questions about the bank or your accounts, please go to Contact Us.)
Protection From Malicious Websites
There are numerous tools available to you detect fraudulent websites when searching for information.
McAfee’s Site Advisor includes safety ratings to sites and search results to help protect you from adware, spam, and online scams. Site Advisor will also help protect you against Phishing. To learn more or download Site Advisor for Internet Explorer or Mozilla Firefox, go to http://www.siteadvisor.com/download/ie_learnmore.html
Earthlink’s ScamBlocker helps protect you from online scams that try to steal your personal information by displaying a security rating for every Web site you visit and alerting you before you enter a Web site on a list of known fraudulent sites. To learn more or download Earthlink’s ScamBlocker for Internet Explorer or Mozilla Firefox, go to http://www.earthlink.net/software/free/toolbar/
Spyware And Viruses
Spyware and viruses are both malicious programs that are loaded onto your computer without your knowledge. Whether the goal of these programs is to capture or destroy information, to ruin the performance of your computer, or to bombard you with advertising, you don't want them.
Viruses Spread By Infecting Computers And Then Replicating.
Spyware disguises itself as a legitimate application and embeds itself into your computer, to monitor your activity and collect information.
Spyware and viruses are both serious threats to the security of your computer.
Recognizing Spyware Viruses
Spyware and viruses are malicious programs that are loaded onto your computer without your knowledge.
Spyware is designed to allow unauthorized access to computer systems. Spyware can be used to steal your personal information. Some spyware programs can detect the numbers and letters you enter on your keyboard such as passwords.
Viruses are designed to make copies of them selves, quickly using up your computer's memory. Some viruses can transmit across computer networks.
Protecting Against Viruses And Spyware
There are several easy ways to protect your computer against viruses and spyware:
Make sure your computer has an anti-spyware protection program that detects and removes all forms of spyware, which can steal vital information. Use this program to scan your computer frequently. Many software companies offer software that will protect you from a wide variety of spyware threats, and also will provide customer service in case you have questions. To keep up with any new threats, be sure to keep your anti-spyware program updated.
Make sure your computer has an anti-virus protection program that detects and removes viruses. Software from major providers will protect you from a wide variety of threats, and also will provide customer service in case you have questions. Be sure to always keep your anti-virus program updated.
Buy a protection program that automatically upgrades your spyware or virus protection on a recurring basis. If you don't have this automatic upgrade feature, make sure you update your spyware and virus detection programs weekly, as well as whenever you hear of a new computer threat.
Don't open attachments or diskettes unless you're sure that you can trust the source. Learn how to manually screen diskettes and attachments if your anti-virus software doesn't automatically do so.
Pop-ups are the advertisements that "pop up" in a separate browser window. When you click on some of these pop-ups, it's possible that you're also downloading "spyware" or "adware."
Sometimes, criminals create pop-up ads that look like they come from a respected financial institution and ask you to enter personal financial information, but Rondout Savings Bank and most other financial institutions will never ask you to verify personal financial information in pop-ups.
Additionally, some pop-ups will appear to "detect" spyware or viruses on your computer. At best, these are advertisements to direct you to sites where you may purchase software to combat these problems. At worst, these pop-ups may actually lead you to install these unwanted computer pests.
Protecting Against Pop-Up Advertisements
The best thing to do is immediately close any pop-up ad window. Do not enter information or respond in any way.
We also recommend that you activate a pop-up blocking tool. There are many companies that offer pop-up blocking software, and many Internet browser companies are starting to integrate pop-up blocking tools into the newer versions of their products.
Fraudulent Phone Calls And Numbers
Vishing is the criminal practice of using social engineering and Voice over IP (VoIP) to gain access to private personal and financial information from the public for the purpose of financial reward. The term is a combination of "voice" and phishing.
When the victim answers the call, an automated recording, often generated with a text to speech synthesizer, is played to alert the consumer that their credit card has had fraudulent activity or that their bank account has had unusual activity. The message instructs the consumer to call the following phone number immediately. The same phone number is often shown in the spoofed caller ID and given the same name as the financial company they are pretending to represent.
Consumers are advised to be highly suspicious when receiving messages directing them to call and provide credit card or bank numbers. Rather than provide any information, the consumer is advised to contact their bank or credit card company directly to verify the validity of the message.
Mobile Phone Security
Smishing is a form of criminal activity using social engineering techniques similar to phishing. Smishing victims receive SMS messages. Known as "smishing," these text messages might ask a recipient to register for an online service -- then try to sneak a virus onto the users' device.
Some messages warn that the consumer will be charged unless he cancels his supposed order by going to a Web site that then extracts such credit card numbers and other private data.
Additional Security For Your Own Computer
Protect your own computer by doing these things:
- Keep your operating system and browser up to date;
- Install a personal firewall;
- Scan your computer for spyware on a regular basis;
- Don’t download programs or files from unknown sources;
- Install a pop-up blocker from a trustworthy source;
- Disconnect from the internet when you are not online.
- Additional Things you should do to protect yourself:
- Don’t share your account number with anyone.
- Don’t give your account number to someone over the phone especially if you did not call them. Store checks, account statements and other sensitive information in a secure place.
- Don’t share your ATM, debit or credit cards with anyone.
- Review your online account information frequently and your statements promptly. Let us know right away if you see something you don’t recognize. Balance your checkbook every month. If you don’t receive a statement, let us know right away.
- Obtain and review a copy of your credit report periodically. This is one way to guard against identity theft.
- Check your mailbox everyday; don’t leave your mail there for thieves to steal. Consider dropping your outgoing mail in a US Postal Service mailbox. Use Online Payments and sign up for eStatements.
- Don’t give sensitive information to unknown callers. Hang up and call the Company you want to talk to yourself, using a phone number that you located in the Phone book or your own records. WE WILL NEVER MAKE AN UNSOLICITED TELEPHONE CALL REQUESTING SENSITIVE INFORMATION FROM YOU.
- Shred materials containing sensitive information before you throw them away.
- Don’t carry your social security card, birth certificate or passport in your wallet or purse.
- Don’t print your social security number or driver’s license on your checks.