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Privacy Statements
Privacy Policy Statement
| Web Privacy |
Security Statement
Privacy Policy Statement
Confidentiality and Security of Nonpublic Personal
Information
We restrict access to nonpublic personal information about you to those
employees who need to know that information to provide products or services to
you.
We maintain physical, electronic, and procedural safeguards
that comply with federal standards to guard your nonpublic personal information.
Nonpublic Personal Information We Collect
We collect nonpublic personal information about you from the following
sources:
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Information we receive from you on applications or other
forms
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Information about your transactions with us, our affiliates,
or others
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Information we receive from a consumer reporting agency
Nonpublic Personal Information We Disclose
We do not disclose nor do we reserve the right to disclose, any nonpublic
personal information about our customers or former customers to anyone, except
to other nonaffiliated third parties as permitted by law.
Notify Us of Inaccurate Information We Report To Consumer
Reporting Agencies
Please notify us if we report any inaccurate information about your account(s) to
a consumer reporting agency. Your written notice describing the specific
inaccuracy(ies) should be sent to us at the following address:
Venture Bank
5601 Green Valley Drive, Suite 120
Bloomington, Minnesota 55437
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Your Privacy on
the Web
Visitors to this Bank Website remain anonymous. We do not
collect identifying information about visitors to our site. We may use standard
software to collect non-identifying information about our visitors, such as:
Date and time our site was accessed
IP address (A numeric address given to servers connected to the Internet)
Web browser used
City, state and country
The Bank uses this information to create summary statistics
and to determine the level of interest in information available on our site.
Cookies
We may use a “cookie” on some pages of our website. A “cookie” is an element of
data that a website can send to your browser, which may then store it on your
system. A “cookie” helps a website to recognize whether or not you have visited
the site before, allowing the browser to provide your information back to the
server on subsequent visits. A “cookie” does not retrieve any data from your
hard drive, does not carry computer viruses, and does not reveal anything about
you. Our use of “cookies” is designed to customize and simplify your use of our
Website. At the present time, we use only temporary or “session” cookies that
expire when you close your browser.
E-mail
If you choose to contact us via e-mail, please keep in mind that this
communication is not encrypted and therefore is not secure. You should not send
e-mail that includes sensitive information such as account numbers. Your e-mail
address, and any other information your e-mail header shows about you, such as
your name or organization will be revealed to us in the e-mail.
We assure that when you communicate with us via e-mail, we
will use your e-mail information only for the specific purpose of responding to
your comments or questions. Your e-mail address will not be sold, nor will it be
shared with others outside of Venture Bank.
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Security Statement
Venture Bank’s Online Banking system brings together a
combination of industry-approved security technologies to protect data for the
Bank and for you, our customer. It features password-controlled system entry, a
VeriSign-issued Digital ID for the Online Banking server, Secure Sockets Layer
(SSL) protocol for data encryption, and a router and a firewall appliance along
with firewall software to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
To begin a session with the Online Banking server the user must key in an
Access ID and a password. Our system, the Online Banking system, uses a “3
strikes and you’re out” lock-out mechanism to deter users from repeated login
attempts. After three unsuccessful login attempts, the system locks the user
out, requiring either a designated wait period or a phone call to the Bank to
verify the password before re-entry into the system. After successfully logging
into the Internet Banking server with the proper Access ID and password, a VeriSign digital ID is issued to establish a secure session between the Internet
Banking server and the user. This secure session (using 128-bit SSL protocol) is
achieved through the issuance of a “public key” to the user that works in
combination with a “private key” that is maintained on the internet banking
server. Through the use of the aforementioned keys, data traveling between the
Internet Banking server and the user is encrypted and digitally signed which
allows both parties to know that the data has not been modified either
intentionally or unintentionally and that it is being received from each party.
Secure Data Transfer
Once the server session is established, 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 Online Banking 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
Requests must filter through a router and a firewall appliance before they
are permitted to reach the server. A router, a piece of hardware, works in
conjunction with the firewall appliance and firewall software, to block and
direct traffic coming to the server. The configuration begins by disallowing ALL
traffic and then opens only when necessary to process acceptable data requests,
such as sending customer requests to the Bank.
Using the above technologies, your Online Banking transactions
are secure.
E-mail
Venture Bank’s e-mail access is not part of its Internet Banking service. If
you choose to contact us via e-mail, please keep in mind that this communication
is not encrypted and therefore is not secure. You should not send e-mail that
includes sensitive information such as account numbers. The e-mail service may
not be used to make bank transfers between accounts or to make loan payments
from an account. E-mail transmitted by you to us often will not be delivered to
us immediately. If you need to contact us immediately to stop payment, to report
an unauthorized use of your Online Banking password, ATM card, debit card, or
lost or stolen checks, you should call us immediately at 952-830-9999. We will
not be responsible for acting on or responding to any e-mail request made
through venturebankonline.com until we actually receive your e-mail message and
have a reasonable opportunity to act.
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