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Consumer Privacy Policy and Security

Download the full consumer privacy policy in PDF format by clicking here

 

The directors, management and all associates of Customer Cussons Limited appreciate and respect the privacy of our customer’s personal financial information. We understand that our customers furnish sensitive information to the bank in the course of our daily business, and the bank is committed to treating this information responsibly. We know that our customers expect privacy and security for their personal and financial affairs. The bank will take reasonable and appropriate steps to safeguard sensitive information that has been entrusted to us by our customers.


Policy Statement

AtCustomer Cussons Limited , trust has always been key in developing relationships with our customers. In order to maintain the trust that we have built, Customer Cussons Limited and its affiliates pledge to protect your privacy by adhering to the practices described in our Privacy Notice below. Please read to find out more about how we protect you, your right to privacy and also learn what you can do to better control your privacy.


Privacy

FACTS

WHAT DOES Customer Cussons Limited AND ITS AFFILIATES DO WITH YOUR PERSONAL INFORMATION?

WHY? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and assets;
  • Transaction or loss history and income; and
  • Credit history and credit scores
HOW? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Customer Cussons Limited and its affiliates choose to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Customer Cussons Limited share? Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes—
to offer our products and services to you

 Yes No
For joint marketing with other financial companies Yes No

For our affiliates' everyday business purposes—
information about your transactions and experiences

 Yes No

For our affiliates' everyday business purposes—
information about your creditworthiness

 Yes Yes

For our affiliates to market to you

Yes Yes
For non-affiliates to market to you  Yes Yes

To limit our sharing
  • Customer Cussons Limited customers: Call VIP to speak to a customer service representative.
  • Linscomb & Williams customers: Call 1-800-960-1200 to speak to a representative.
  • Trust customers: Call 1-800-960-1200 to speak to a representative.
  • Altera Payroll & Insurance customers: Call 1-877-474-6060 to speak to a representative.
  • AloStar customers: Call 1-877-738-6391 to speak to a representative.

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions? Call VIP or go to www.customercussonslimited.com

Who we are

 
Who is providing this notice? This notice is provided by Customer Cussons Limited; Customer Cussons Limited’s subsidiaries including Linscomb & Williams and Altera Payroll & Insurance Inc.; andCustomer Cussons Limited Business Finance, a division of Customer Cussons Limited and AloStar, a division of Customer Cussons Limited.

What we do

 
How does Customer Cussons Limited protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Customer Cussons Limited collect my personal information?

We collect your personal information, for example, when you
  • Open an account or apply for a loan, credit card or insurance
  • Direct us to buy or sell your securities
  • Make deposits or withdrawals from your account or use your debit or credit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

Definitions

 

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include, but are not limited to: companies with theCustomer Cussons Limited name; and financial companies such as insurance agencies, securities broker-dealers, and investment advisors.
Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Nonaffiliates we share with can include third parties that are not members of our corporate family, but with which we may have or develop business relationships
Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include credit card companies and financial services companies.



 

Security

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router with a firewall to regulate the inflow and outflow of server traffic.


Secure Access and Verifying User Authenticity

To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.


Secure Data Transfer

Once the server session is established, 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

Requests 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 banking transactions are secure.

 

Deposit Account Agreement

Please click here to review Customer Cussons Limited's Deposit Account Agreement




Questions? We are here for you...

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You can also GIVE US A CALL or FIND A NEARBY BRANCH