As Hamilton Reserve Bank, we consider the safety and privacy of our customer's banking online as our top priority. Our team of specialists works on optimizing our IT systems and processes. Maintaining your privacy and security, that’s what this “Client First” global bank does for you, our valued customers. As a banking and financial services organization, we have a history of handling personal information, including sensitive information and confidentially. We value the ongoing trust our customers have in us to protect their privacy.
Hamilton Reserve Bank offers the highest level of security and privacy regarding the collection of customer information. This policy summaries our principles and procedures regarding the privacy and security of customer financial and private information.
Collecting and Using Customers Personal Information
Hamilton Reserve Bank collects personal information directly from you, our customer. When you provide us information to open your account and complete an application form (both hard and soft copy). We will collect and use only that information that is necessary for the purposes of providing financial services, managing and developing financial products, services, and best practices to meet the customer’s needs, and verifying a customer’s identity. We may also use the collected information for contacting our customers directly to introduce products and services that may be of interest.
We will only retain your personal information only as long as necessary for the identified purposes above, or as required by the laws of the nation of Nevis.
Disclosing Your Personal Information
Hamilton Reserve Bank under no circumstances reveals any specific information about its customers or their accounts or other personally identifiable data to any third parties unless:
- The disclosure is absolutely required by the laws of the nation of Nevis
- The customer requests us to do so
Protecting your Information
Hamilton Reserve Bank upholds sophisticated safeguards solely for the purpose of securing your personal information. We use the highest level of data encryption possible and specifically chosen firewalls to maintain the security of the information we receive from our customers over the web. Secure Sockets Layer (SSL) 128-bit encryption and a current and valid certificate from a recognized Certification Authority are required to access our site.
Hamilton Reserve Bank educates all employees about the importance of privacy towards our customers, this is in accordance with the Banking Bill 2015. We retrain each employee on this policy every six months, in addition, they are required to sign a Declaration of Secrecy verifying that he/she is aware of and is compliant with said policy. Employees only have access to the specific information needed in order to perform their specialized duties.
Safe Guarding your Personal Data, What you can do to Help Us
Security and privacy risks cannot be completely eliminated, but at Hamilton Reserve Bank they will be minimized. We recommend you take the following protections to guard against the disclosure and unauthorized use of your personal information.
Protecting Computers and Laptops
- Always make sure your security software is up-to-date. Devices’ operating systems and Internet-connected software (like email programs, web browsers, and music players) should be updated regularly. Your computer will typically notify you when a software update is available.
- Install antivirus and anti-malware software. If you do not have security software, install a firewall and antivirus software and keep them up-to-date. These programs help identify the latest threats and allow a user to remove malicious software from their device. Do your research before installing any program and beware of scams that attempt to lure you into disclosing your personal information or that direct you to download programs that may contain malware.
- Disable connections when you aren’t using them. If your computer uses Wi-Fi or Bluetooth to connect to the Internet and other devices, you should turn these features off when you aren’t using them. This can prevent unknown persons from using your network or accessing your Protecting Online Accounts.
- Delete suspicious emails immediately. Delete spam or dubious-looking emails without opening them. If you receive a questionable email from a friend or family member, it is best to contact that person and verify he or she sent it before opening the email or clicking on a link or attachment.
- Use secure devices. If possible, only access online accounts from your personal computer, tablet, or smartphone while using a secured Internet connection. Try to limit accessing personal accounts from public computers that could be infected with spyware or malware, or may use an unsecured Internet connection. If you do use public computers, be sure to log out when you are finished. In general, it is more secure to use a smartphone’s cellular data network than a public or unsecured Internet connection.
- Create strong passwords. To reduce the chances of your online accounts being hacked, change your passwords frequently. Strong passwords are at least 12 characters long, include numbers, letters, special characters (&,!,?, etc.), and are not too predictable. For example, don’t use your name or date of birth for your password or common words like “password.” If you have multiple online accounts, it is best to have a different password for each account. In the event that one of your accounts is hacked, having different passwords for your other accounts reduces the likelihood of those accounts being accessed too.
Phishing is typically an e-mail scam that can trick consumers into revealing personal information through fraudulent Web sites or in a reply e-mail. Typically the e-mails and Web sites use familiar logos and related graphics to betray consumers into thinking the sender or Web site owner is a company they know. A typical phishing scam works like this, you receive an e-mail supposedly from a company or financial institution you do business with. The e-mail describes a reason you must verify sensitive information and if you comply, the people hiding behind the seemingly legitimate Web site or e-mail can use the information to make unauthorized withdrawals and purchases from your accounts or even sell your personal information.
Spyware is a software program that gathers information about a computer user, and in most cases without the user’s knowledge and clearly their informed consent. Spyware applications are inadvertently installed when visiting certain Web sites or clicking bad hyperlinks.
- The software can gather and transmit personal information (e-mail addresses, passwords, credit card numbers, PINs) to another organization or person for illegal use.
How do I protect my PC from Spyware?
- To prevent Spyware installation without your consent, remember not to download any freeware onto a computer.
- Your anti-virus software should be updated regularly with the latest virus definition files.
- Change your online banking password regularly to protect your personal data.
- Always run an anti-virus software program and anti-Spyware software before you download new programs or e-mails.
Rules to Live By
Always log off a website after terminating a session, especially when using public computers in Internet Cafes, Libraries, etc.
Clear your web browser’s cache and history when you complete a session, to ensure that your personal information is not accessible to others who may come behind you.
Always sign off or log off of your online accounts and close your browser if you’re going to step away from your computer even if only momentarily.