Privacy & Security
We recognize the importance of protecting the privacy of personally-identifying information that may be submitted to us when you visit our website.
The information we receive depends on what you do when you visit our site. This is how we handle the information we learn about you from your visit to our website.
If you visit our site to read or download information on our web pages such as press releases and checking and savings account information:
We collect and store only the following information about you: name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or a similar domain corresponding to your Internet Service Provider "ISP"); date and time you access our website; pages you may have visited on our site; and Internet address of the website from where you came to visit our website.
We use the information we collect to measure the number of visitors to the different pages and sections of our site, and to help us make our site more useful to visitors.
If you visit our website to use interactive banking tools such as financial calculators and self-tests:
You may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.
If you identify yourself by sending an e-mail or filling forms such as applications, check reorder forms, contact forms and guest registers:
You may be asked for personally-identifying information in order to process your e-mail, form or application. This information may be retained by us and our business partners for processing and to facilitate decisions. Information you submit to us is treated no differently than any information you might provide in a written format such as a brochure application, reorder slip to order checks, or a letter.
We Want To Be Very Clear
We protect and safeguard the privacy of users of our on-line services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.
We will NOT sell personally-identifying information to a third party for the purpose of solicitation or provide personal information to a third party for its own use.
The Federal Financial Privacy Act was enacted in 2001 to protect the confidentiality and privacy of consumer information. As required by the Act, Kleberg First National Bank has adopted the following policy regarding information that the Bank receives and how the Bank will safeguard that information. Kleberg First National Bank recognizes the significant importance of the privacy and the confidentiality of customer information and that it is important for consumers to be informed about the policies and practices the Bank uses to safeguard that privacy.
The Bank collects nonpublic personal information from customers and former customers from the following sources:
- Information (i.e. name, address, social security number, date of birth, email address and phone number) we obtain from applications or other forms;
- Information (i.e. account balances, payment history and account usage) about transactions with us or others;
- Information (i.e. credit score and credit history) we receive from consumer reporting agencies, and;
- Information (i.e. household demographics) we receive from third parties.
Kleberg First National Bank does not sell your personal information to anyone. We do not share your personal information with anyone for any purposes other than to companies that act on our behalf to provide the products and services we have asked them to provide to you. To provide these services and products, we may disclose your name, address, email address, phone number and transactions with us to companies that perform marketing services on our behalf and they agree to use it only to provide the services we ask them to perform. We may disclose your name, address and phone number to companies or to other financial institutions where we have joint marketing agreements. These arrangements give you the opportunity to receive additional products and services that are offered to better serve your financial needs.
We make disclosures to other nonaffiliated third parties as permitted or required by law (for example: to protect against fraud, respond to a subpoena, to service your account, report to a credit bureau or with your consent).
We restrict access to nonpublic personal information to only those employees who need to know that information in order to provide products or services to customers.
We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard nonpublic personal information.
This statement replaces any other statements about our privacy practices.
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.
Secure Access and Verifying User Authenticity
To begin a session with the bank's Online Banking System the user must key in a Log-in ID and a password. Our system, theOnLine 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.
Using the above technologies, your internet applications, check reorder transactions, and Online Banking transactions are secure.
If you have any questions regarding the security or confidentiality of your information, please feel free to call a Telephone Banker at (361) 592-8501 or visit with any Personal Banker.