First Net Banking Privacy Policy

First National Bank of Moose Lake (referred to in this document as First National Bank) is committed to providing the highest level of security and privacy regarding the collection and use of our online banking customers’ personal information, as well as that of all visitors to our web site.  Personal information may be collected through the submission of account applications, online banking transactions, or through the use of online financial tools such as interactive calculators.  A detailed description of First National Bank’s First Net Banking Privacy Policy is provided below.  If you have additional questions regarding the privacy of your personal information, contact us.

RESPECT OF RIGHT TO PRIVACY

First National Bank respects your right to privacy and takes every precaution to provide you with the same level of privacy within our virtual branch that you receive through more traditional bank delivery channels.

COLLECTION AND USE OF PERSONAL INFORMATION

The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need.  All personal information collected and stored by the bank is used for specific business purposes – to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services.

Employing stringent security measures in the collection of your personal information, all First Net Banking account applications are submitted to the bank’s secure administration site through an encrypted direct line to the bank.  Once received by the bank, only approved personnel may open and process the application.  Furthermore, auditing mechanisms have been put into place to further protect your information by identifying which employee(s) has accessed and in any way modified – for example, updated or added to – your personal information.

WE WORK TO INSURE PRIVACY AND SECURITY
DURING YOUR ONLINE SESSIONS

The information you provide to us online is protected by Secure Socket Layer (SSL technology).  SSL is the leading security protocol for data transfer on the Internet.  This technology scrambles your account information as it moves between your PC’s browser and First National Bank’s computer systems.  When information is scrambled, or encrypted in this way, it becomes nearly impossible for anyone other than First National Bank to read it.  This secure session helps protect the safety and confidentiality of your information when you bank with us online.

MAINTENANCE OF ACCURATE INFORMATION

It is in the best interest of both you and the bank to maintain accurate records concerning your personal information.  For this reason, First National Bank allows you to update your personal information online, at anytime, through secure messaging within our First Net Banking product which is sent to the bank's secure administration site.

LIMITED EMPLOYEE ACCESS TO PERSONAL INFORMATION

First National Bank limits employee access to your personal information to only those bank administrators with a business reason for knowing such information.  First National Bank also educates all employees about the importance of confidentiality and customer privacy.  In addition, individual user names and passwords are used by approved bank personnel to access your personal information online, providing audit trails to further safeguard the privacy of your personal information.

THIRD-PARTY DISCLOSURE RESTRICTIONS

First National Bank follows strict privacy procedures in regard to protecting your personal information.  In addition, the bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies.  Personal information may be supplied to a third party in order to process a customer transaction; if the customer requests it; or if the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.).

DISCLOSURE OF PRIVACY POLICIES

First National Bank is committed to ensuring the privacy of its customers’ personal information.  For more information regarding the First National Bank First Net Banking Privacy Policy, contact us.

PROTECTING CHILDREN'S PRIVACY ONLINE

From our web sites, we do not knowingly collect or use personal information from children under 13.  Should a child whom we know to be under 13 send information to us, we will only use that information to respond directly to that child or provide parental notice.  We are not responsible for the data collection and use practices.

THIRD-PARTY WEB SITE

This web site may contain links to third-party sites that you may find useful.  These sites may have their own privacy policies and you should review the privacy policy of any web site before you provide them personal or confidential information.  First National Bank does not provide, endorse or guarantee any of the products or services available through third-party web pages.

ABOUT "COOKIES"

A cookie is a small text file or text identifier placed on end users’ computers.  Cookies are commonly used on web sites and do not harm end users’ systems.  Cookies are used in the First Net Banking and  Bill Payment services.  For example, we ask you to read the First Net Banking Agreement and Disclosure.  Once you confirm that you have read this information, your cookie “remembers” this, so when you visit us again, we won’t ask you to read it again.  The cookies are common across an entire session and end users must accept all cookies while accessing their accounts.  All private data stored in cookies are encrypted, and are for internal use only.