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 Bank, N.A. has adopted the following policy regarding information that the Bank receives and how the Bank will safeguard that information. Kleberg 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 when they open an account, use a credit or debit card, apply for a loan, give us income information, make deposits or withdrawals from accounts and from others such as credit bureaus and other companies.
The types of personal information collected and shared depend on the product or service provided. The information can include name, address, social security number, account balances, transaction history, credit score, credit history and income.
Kleberg Bank does not sell personal information to anyone. We do share personal information to companies that act on our behalf to provide the products and services we have asked them to provide and to affiliates to market to our customers. We have joint marketing partners which offer investment and brokerage services through Kleberg Financial Services and they agree to use personal information only to provide the services we ask them to perform. The affiliates we share information include companies within the Kleberg Bank family and nonfinancial companies, such as Kleberg Insurance Group, Inc. We do not share with nonaffiliated companies for marketing purposes.
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 an account, report to a credit bureau or with customer 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.
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.