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Western Illinois Bancshares Inc

Internet Privacy Policy

This Internet Privacy Policy explains how we may collect information from you when you visit our web site. We recognize the importance our customers place on the privacy and security of their personal information.  Our goal is to protect your personal information in every way that we interact with you.

We think it is important for you to be informed of the policies, procedures, and security measures that we have in place to safeguard your personal and confidential information. With that in mind, we have developed this Internet Privacy Policy to help you to understand the steps we take to protect your personal information when you utilize this website.

Below are several definitions of terms used within this policy:

Customer Information - Customer Information refers to personally identifiable information about a consumer, customer or former customer of this Institution.   

Internet Protocol (IP) Address - an IP address is a unique address that devices use in order to identify and communicate with each other on a computer network.  An IP address can be thought of as a street address or a phone number for a computer or other network device on the Internet. Just as each street address and phone number uniquely identifies a building or telephone, an IP address can uniquely identify a specific computer or other network device on a network. We may use IP addresses to monitor login activity and for identification purposes when necessary for security investigations. 

Cookie - a Cookie is a very small text file sent by a web server and stored on your hard drive, your computer’s memory, or in your browser so that it can be read back later.  Cookies are a basic way for a server to identify the computer you happen to be using at the time. Cookies are used for many things from personalizing start up pages to facilitating online purchases. 

Service Provider - In order to provide a full range of online financial services, we may use various third party providers.  These third parties provide services such as: website hosting.  Third party providers are referred to within this policy as “Service Providers”.

Information Collected on the Internet

If you are just browsing through our website, we do not request any personally identifiable Customer Information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information, such as when you send us an email.  If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.

Service Providers hosting our website may collect general information on our website visitors for security and statistical purposes.  Such information may include:

  • The Internet address (referral site) which brought you to our web site;
  • The date and time you access our site;
  • The name and version of your web browser;
  • Your Internet Protocol (IP) address;
  • The pages visited in our website; and
  • The duration of your online session.

Our Service Providers may use Cookies to collect some the above information. In some cases you must accept cookies in order to view our website.    

When you click on advertisements in our website or advertisements on linked 3rd party web sites, you may receive another Cookie; however, you do not have to accept any Cookies from third party advertisements.

Use of Information Collected

  • We may also disclose Customer Information when required or permitted by law.  For example, Customer Information may be disclosed in connection with a subpoena or similar legal process, fraud prevention, or security investigation.
  • We may also share Customer Information outside this Institution when we have your consent, such as when you request a specific product like insurance or an investment product from a third party financial services provider.
  • We do not disclose any Customer Information about our customers, former customers, website visitors to anyone, except as permitted or required by law.
  • We do not sell any of your personal information.

Beware of Phishing Attempts and Internet Scams

While email is convenient and has a good business use, it can also be misused by criminals for scams and various other fraudulent purposes.   “Phishing emails” are frequently used by criminals to entice the recipient to visit a fraudulent website where they try to convince the recipient to provide personal information, such as ATM card numbers, account numbers, Social Security numbers, access Ids and passcodes.  Some of these fraudulent websites may also be virus laden and can be used to download mal-ware to your computer.  Fraudulent websites often look identical to a legitimate site, so it’s important to look very closely at the website address.

Below we have listed a few tips to help protect your personal information on the Internet:

  • Always be wary of links in emails, especially any links in emails purporting to be from this Institution.  
  • Please remember that if we send you an email, we will never ask for personal information such as your account number, ATM card number, PIN number, or social security number.
  • Bookmark financial websites and use these bookmarks every time you visit the website.
  • Update your Internet browser! Most browsers now offer free anti-phishing tool bars that can help alert you of fraudulent websites. 
  • If you send us an email, please do not include any confidential, personal or sensitive information in the email message, as email messages are generally not secure. 
  • Make sure that your computer always has up-to-date versions of both anti-spyware and anti-virus software. 
  • If you receive an e-mail that you think could be a scam, delete it immediately or forward the email to spam@uce.gov.
  • If you have any questions about the legitimacy of an email, especially an email from this Institution, you can also call us at this number 309-734-2265 or toll-free at 888-309-2265 or forward the email to annm@mbwi.com.

External 3rd Party Links 

Our website may include links to other 3rd party web sites.  These links to external 3rd parties are offered as a courtesy and a convenience to our customers.  When you visit these sites, you will leave our website and will be redirected to another site.

This Institution does not control linked 3rd party web sites.  We are not an agent for these third parties nor do we endorse or guarantee their products.  We make no representation or warranty regarding the accuracy of the information contained in linked sites.  We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely. 

While using our website, you may still see our logo when linking to a 3rd party site.  A technique called “Framing” allows us to display our logo and look and feel while allowing you to browse another site at the same time. It’s important to note that while you may still see our logo and frame, any information you provide to a 3rd party is not covered by our privacy or security policies. 

If you have questions or concerns about the privacy policies and practices of linked 3rd parties, please review their websites and contact them directly. This privacy policy applies solely to the Customer Information collected by this Institution.  

Security

This Institution and our Service Providers have developed strict policies and procedures to safeguard your Customer Information.  Our policies require confidential treatment of your personal information. 

Furthermore, this Institution and our Service Providers maintain strong physical, electronic and procedural controls to protect against unauthorized access. Our computer systems are protected in the following ways:

  • Computer anti-virus protection detects and prevents viruses from entering our website, email, and computer network systems.
  • Firewalls and intrusion prevention systems block unauthorized access by individuals or networks.

We continually monitor technological advances and upgrade our systems to ensure your information remains secure. 

Privacy Updates

This policy maybe updated from time-to-time as new products and features may require changes to our Internet Privacy Policy.  The effective date of our policy will always be clearly displayed. If we make any changes regarding the use or disclosure of your personal information, we will provide you prior notice and the opportunity to opt-out of such disclosure if required by law. 

Questions

If you have any questions about our privacy policy or concerns about our privacy practices, please contact us at 309-734-2265 or toll-free at 888-309-2265 or kim@mbwi.com.

Effective Date:  October, 2007

 

   
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