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Privacy & Security


DeSoto County Bank Internet Privacy & Security Statement

The collection, storage and sharing of customer information is an important part of delivering useful banking products and services to consumers.  To serve you, as a consumer, efficiently and conveniently, we have to make use of modern technology and customer information.  We know that you are concerned about privacy and our use of the information you give us.  We are committed to an ongoing review of our procedures and policies in the interest of protecting your privacy.  As a result, we have established the following privacy and security statement to provide quidance on our d4ealings with consumers:

We Recognize Your Expectation of Privacy

We understand that you expect us to maintain proper safeguards to protect confidential information you provide to us.  The privacy of your information is protected not only by state and federal laws but by our commitment to the protection of your financial information.  We have established policies and procedures to help prevent misuse of that information.  This statement has been prepared to explain to you what types of information we collect, how we use that information, and the circumstances  under which we may share all or part of the information.  Under no circumstances do we provide deposit or loan account personal information to third parties for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.  We disclose information permitted or required by a variety of federal and state laws, as required to consummate your transaction, and as directed by you.  Our strict policies to protect your information appy equally to current (active) accounts as well as inactive (closed) accounts, both loans and deposits.

For complete details of how we use your information refer to our bank's PRIVACY POLICY.  If you have any questions abut the use or sharing of consumer financial information or if you wish more information please contact us at 6040 Highway 51 North, Horn Lake, MS 38637 or call 662-393-3277 and we will be happy to answer them.  We want to safeguard your trust inus as well as your personal and financial information.

Your Security and Protection When Online

It is of utmost importance for us to protect your personal information when you are on our web site.  We go to great lengths to make sure that your transactions are confidential and secure.

Your User ID and Password

The most important way of protecting you Internet Banking transaction is by your self-selected User ID and Password.  Be sure to keep them a secret.  Memorize them and, if you need to maintain a written record of the codes, it is recommended that you store them away from your computer in a secure place and not in your wallet or purse.  Always make sure that no one is watching you enter the information and always log off the DeSoto County Bank Internet Banking web site whenever you are away from your computer (click the log off buttton).  If your computer is left unattended and the browser is running with your User ID and Password entered, anyone can gain access to your accounts.  It is recommended that you use upper and lower case letters along with numbers and symbols that are unique to you.  Stay away from obvious words and numbers, like a family member's birthday or name.

Browser Protocol

There are currently two types of secure browsers that are available to consumers.  One is a 40-bit encryption and a 128-bit encryption browser.  The 128-bit encryption browser has a higher level of security.  You can test your browser to determine what level you have.  While our Web site supports both types of data encryption, we recommend that you use an internet browser that supports 128-bit encryption.

Encryption, Firewalls, and Other Protection

All personal and account information that passes between your computer and DeSoto County Bank Internet Banking is encrypted.  This means that while your information is in transit it is scrambled so that only DeSoto County Bank computer equipment can reassemble it to its original text format.  When DeSoto County Bank sends personal account information to you, it is also encrypted so that only your computer can decipher it and reconstruct the data transmitted.

There are also internal procedures in place within the DeSoto County Bank Online Banking system that include a system of filtering routers and firewalls.  Filtering routers verify the source and destination of each transaction while firewalls shield the bank's customer service network from outside sources.  These two systems then protect the bank's internal accounts from illegal outside access while keeping the structure of the bank's internal networks invisible to outside observers.

DeSoto County Bank is continuously evaluating its security systems to insure that the bank provides the latest and most secure levels of privacy and security that are appropriate for our bank customers.

To simplify your online experience with us, we may place a cookie on your personal computer while you are visiting your web site.  You have our assurance that we do not use cookies to record information that will enable anyone to contact you via telephone, email, or regular mail.

Cookies

We use cookies to provide you with better service and experience while you are online with us.  A cookie is a small text file that can be placed on your system to allow us to facilitate image changes, collect anonymous aggregate site traffic and allow you to personalize our services to your needs.  Our Web site does not require users to accept cookies, and you can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it.  If you choose not to accept cookies, you may experience some reduction in graphics and other personalized services.  For customers that use the Netscape browser, our DeSoto County Bank Online Banking service requires the use of cookies in order to maintain adequate security.

Email

Regular non-encrypted email over the internet is not asecure means of communication.  In instances where we provide internet email addresses, they are for inquiries of a non-sensitive and non-confidential nature.  We recommend that you do not send confidential information by email unless it is secured.

Additional Information

While our Web site uses advanced data encryption protocols, the links to other web sites available through our Web site may not support such a high level of daya security.  We strongly suggest that you not divulge any personal information via email or while online with such web sites.

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