Privacy and Security
At Mountain Commerce Bank, we are committed to providing you with financial products and services to meet your needs. Our commitment includes protecting personal information we retain about you (referred to as “information” in this notice) when you apply for or obtain a product from us to be used primarily for personal, family or household purposes. We want to earn your trust by providing strict safeguards to protect information about you as we continue to bring you valuable products and services. Please read this notice to learn about your privacy rights. In the future, Mountain Commerce Bank may decide to change the policies and procedures described in this privacy notice. We will notify you of significant changes by sending you an updated version of this privacy notice that includes these changes. For more information about our privacy practices, contact your local Mountain Commerce Bank office.
This Privacy Notice applies in its entirety to Internet and personal computer transactions. This Notice is provided to help you understand how we protect your financial privacy, just as we protect your financial assets. It gives you an opportunity to make educated choices about the management of personal information. If, after reading the notice, you still have questions, please visit one of our branches.
The information we collect from you as you communicate with us using our web site(s) includes “cookies,” your IP address, and your email address.
When you enter our web site, you pass through a “firewall” we use for security purposes. As you pass through it, we identify the Internet Protocol or IP address associated with the device you are using, such as a personal computer or handheld device. The IP address does not identify you personally, but it does allow Mountain Commerce Bank to identify the device you are using. We store IP addresses in case we ever need to track a connection to its point of origin for security reasons.
Online Forms and Applications
If you submit an application or form online, we will collect the information you send in an electronic database. This information includes the information you submit on the application or form as well as your IP address. We use this to help us process your request and as a security measure to protect against the loss, misuse, and alteration of data used in our systems.
When you send us an email we will use your email address to reply to you, and, for a limited time, we will store your email address, your message, and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your email address in this manner, we will not use it to contact you about Mountain Commerce Bank products and services unless you have given us permission, in which case we may let you know by email about other products and services which may be of interest to you. You may reply to any email message we send to you to notify us that you no longer wish to receive e-mail messages from us in the future.
Sharing Information with Outside Companies
Third Party Service Providers on the Internet
Occasionally you will notice on mcb.com that services are “Powered by” or “Provided by” content providers or technology service partners. We contract with these providers to help us serve you better. We are selective in choosing these companies, and they are only allowed to use your information for the purpose of providing the services for which we have contracted them to provide.
We have implemented standards of technology and operational security on the Internet to protect your nonpublic personal information from loss, misuse, alteration, or destruction. Specifically, information that is collected for processing or to keep as a Mountain Commerce Bank record is transmitted directly to our secure internal database server, and information stored there is not accessible to parties outside of Mountain Commerce Bank via the Internet. Our employees and contracted vendors are required to comply with our security, privacy, and confidentiality standards and practices.
E-mail (Message Center)
Messages sent via the Message Center (accessed under the Messages & Alerts tab) within Online Banking are secure. However, other email you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you do not send us confidential information such as Social Security or account numbers via unsecured email.
Your role in security
It is important that you protect against unauthorized access to your accounts. We recommend that you do not share your password and that you exit any applications when you finish using them.
There are a number of companies that currently offer aggregation services which consolidate your account information from several sources. While we recognize that you may want to use this service, we want you to know that providing an aggregator with your authentication information may result in unauthorized access and use of your confidential account information by the aggregator or a third party if adequate controls are not in place. Therefore, you should ensure that the aggregator company has appropriate processes in place to ensure the privacy and security of your information.
Important information about credit reporting
We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.