Privacy and Security Policy

Respect of Right to Privacy
We recognize that our customers expect privacy and security for their personal and financial affairs. We understand the need to safeguard our sensitive information that they have entrusted to us within our company. We maintain standards and procedures designed to prevent misuse of this information.

Collection and Use of Personal Information
We collect non public personal information about you from the following sources:

• From you, on forms, via the Internet, by telephone or otherwise. Examples of this type of information include your name, address, social security number, credit history and other financial information.
  
  
• From transactions with us. For example, your payment histories, account balances and other transaction records.
  
  
• From credit reporting agencies, such as information and credit usage.
  
  
• From third parties to verify information you have given us.
  

We collect, retain and use information about our customers only where we reasonably believe that it will help administer our business or provide products, services and other opportunities. We collect and retain information about them only for specific business purposes.

Maintenance of Accurate Information
It is in the best interest of both our customers and the bank to maintain accurate records concerning our customer’s personal information. For this reason, Oregon Pacific Bank allows our customers to update their personal information at anytime. We also have procedures to respond to our customer’s requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information
We have procedures that limit employee access to personally identifiable information to those employees with business reason to know such information about our customers. We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, special training programs, and our policies of ethics. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

Security Procedures to Protect Information
We maintain security standards and procedures to help prevent unauthorized access to confidential information about our customers. We update and test our technology to improve the protection of our information about our customers and to assure the integrity of our information.

Restrictions on Disclosing Information to Parties Outside Our Bank and Companies
We do not reveal specific information about our customers’ accounts or other personal identifiable data to parties outside our bank for their independent use unless; (1) our customer requests or authorizes it; (2) the information is provided to help complete a transaction initiated by our customer; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to any other companies for the purpose of independent telemarketing or direct mail marketing of any non-financial product or services of those companies.

Maintaining Your Privacy in Business Relationships with Parties Outside Our Bank
Sometimes it is necessary to provide personally identifiable information about our customers to a party outside our affiliated banks and companies, such as to a vendor or service company that we hire to prepare our customer account statements or to provide support or service for one or more of our products. These vendors and service companies agree to safeguard our confidential information about our customers and their products and services with us and must abide by applicable law.

Disclosing Our Privacy Commitment to You
We want our customers to understand our commitment to personal privacy and our use of information. For this reason, we have prepared this Privacy Policy.

Oregon Pacific Bank Online Security Statement

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank's Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Secure Data Transfer
Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall
Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet loan application and check reorder transactions are secure.

View Our Online Banking Disclosures