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Online Practices Privacy Policy

Mohave State Bank’s Online Practices Privacy Policy

The Online Practices Privacy Policy explains how Mohave State Bank may collect information from you online when you visit the Mohave State Bank web site. The Online Practices Privacy Policy, effective as of November 1991, is for general guidance and subject to change. Your online practices are also covered by the Mohave State Bank Privacy Policy.

By visiting or using the Mohave State Bank web site, you agree to these terms of use as well as the terms and conditions of Mohave State Bank’s Web Site Usage Agreement and the specific terms and condition of any and all of its products, which may be modified or amended from time to time by Mohave State Bank.

Customer information means personally identifiable information about a consumer or a consumer’s current or former customer relationship with Mohave State Bank.

Established links to third party web sites

From time to time, Mohave State Bank may establish links on the Mohave State Bank Website to third party sites, which may include vendors of certain products and services which may be co-branded with Mohave State Bank. Mohave State Bank shall not be considered an agent of any such third parties and shall have no direct or indirect responsibility or liability to any party for any action, omission, or warranty of any kind concerning such third parties or their products or services. Mohave State Bank does not endorse any such third parties or their products or of such third party products or services. Access to any third-party site linked to the Mohave State Bank Website is completely at your own risk. Be advised that websites can be defaced or altered by viruses and other programming techniques that cannot be controlled by Mohave State Bank. Mohave State Bank disclaims any and all liability relating directly or indirectly to these methods and the use of the Website.

Cookies and Similar Files

Cookies are pieces of information stored directly on the computer you are using. Mohave State Bank or our third party advertising service providers may place cookies or similar files on your hard drive for security purposes, to facilitate site navigation and to personalize your experience while visiting the Website. This includes selecting which of our advertisements or offers are most likely to appeal to you and displaying such advertising or offers while you are on the Mohave State Bank Website. In all cases, cookies and similar files that we place on your computer do not contain any personal information unless encrypted, and we never use cookies or other files to track your use of other websites.

If you do not accept these cookies, you may experience some inconvenience in your use of some online products. For example, Online Banking will not be able to recognize your computer and you will need to answer a challenge question each time you log on. You also may not receive advertising or other offers from us that are more relevant to your interests and needs. Mohave State Bank uses cookies in the following two ways:

Web Browsing Cookies

Cookies used for Web browsing can contain a variety of information, such as a simple count of how often you visit a website or information that allows customization of a website for your use or customization of Mohave State Bank advertising or offers you receive when you are on the Mohave State Bank Website. Mohave State Bank uses cookies and other technologies to display information more effectively to you and to gather data about the usage of our Website.

Cookies allow us to collect technical and navigational information such as browser type, time spent on our Website, and pages visited. Cookies do not contain or capture unencrypted customer specific data. We may also use cookies in online advertising to track consumer responses to Mohave State Bank advertisements. Other technologies we use may capture customer specific data to help us understand how customers use our Website and to assist us with resolving customers questions regarding the use of our Website. Cookies and other technologies provide us the capability to monitor the use of our Website so we can continually improve the design and functionality to better serve you.

Online Banking

Mohave State Bank uses cookies during your Online Banking Session. For example, to identify the state you are banking in so that we do not ask you to enter your state information more than once. We may also use information regarding the state you are banking in to help us deliver you offers for products and services tailored to you. Cookies are also used for security purposes in conjunction with our Site Key service to recognize your computer. Any time a cookie is used, personal information is encrypted and used solely to support your Online Banking activity.

Similar Files

Some websites use technologies similar to cookies to store information. For example, Mohave State Bank also uses files called Flash Objects in connection with Online Banking. This is used to help assure security as part of our Site Key service. As with cookies, we never store personal information unless encrypted.

Collecting Personally-identifiable Information

When you visit our Web site, we may collect the following information in order to service your accounts, save you time and money, and better respond to your needs:

Application information

Information that you provide to us online in applications and other forms. Examples include your assets, income and debt.

Identification Information

Information that identifies you such as name, address, telephone number and Social Security number.

Transaction and experience information

Information about your online transactions and account experience, as well as information about our online communications with you. Examples include your online bill payments and your activity on our Website, such as collecting information on product information reviewed.

E-mail Fraud

E-mail can be used for sending scams such as a false offer from a company or an alert about a false computer virus. These e-mails are often forwarded with good intention by friends, adding an erroneous level of legitimacy. If you receive an e-mail that you think could be a scam, do not forward it and delete it immediately. If you receive an e-mail warning that a new computer virus is circulating, check the website of any one of the well-known anti-virus software companies for validation.

Emails such as these are most likely from criminals who send thousands of emails at a time to random addresses. These criminals are trying to entice the recipient to visit a phony website and provide personal and confidential information, such as online IDs and pass codes, or Social Security numbers and account numbers. Although the site may look like a bank's, it is not—which is why this practice is known as "spoofing."

Changes to the Online Practices Privacy Policy

If we make changes to the Online Practices Privacy Policy or make any material changes to our online services, we will revise the Online Practices Privacy Policy to reflect such changes and revise the policy's effective date.