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Jackson Purchase ACA Privacy Policy
Guidance Against E-mail and Internet-Related Fraud
At
Jackson Purchase ACA, we recognize your expectation of
privacy and confidentiality of personal financial
information when seeking the assistance of outside
professionals to obtain credit. We have taken great care
in establishing and implementing policies and procedures
and have committed to an ongoing review of those
policies and procedures to protect your personal and
financial information.
Your privacy is a top priority in all aspects of our business. Our employees are informed of their responsibility to protect your confidential information and are governed by strict standards of conduct, which prohibit unauthorized use of your information. Security procedures and internal controls are also in place to protect your privacy.
On
this site, we collect personally identifiable
information (such as name, address, SSN) only if
specifically and knowingly provided by you. We do
not give, sell or transfer any personal information to
third parties, unless required by law or under such
other permissible purposes as set forth by regulation.
Inf
On
our website, we collect and store information about your
visit for security reasons, as well as for site research
and enhancement. We do not track or record information
about individuals and their visits. Through the use of
Cookies (a file placed on your hard drive by a Web site
that allows it to monitory your use of the site), we
automatically collect and store only the following
information about your visit:
- Your
internet domain (for example, "xcompany.com")
if you use a private Internet access account and IP
address (an IP address is a number that is
automatically assigned to your computer whenever you
are surfing the Web) from which you access our site;
- The
type of browser and operating system used to access
our site;
- The
date and time you access our site;
- The
pages you visit; and
- If
you linked to our site from another Web site, the
address of that Web site.
If
you complete one of our interactive forms or submit an
email through our website, your information will be used
as described at the point of collection. It may be seen
and used by ACA employees, but will not be provided to a
non-affiliated third parties. If you are not comfortable
providing the requested information via email or web
forms, please contact us by calling 270-247-5613, or by
writing to us at P.O. Box 309, Mayfield, Kentucky 42066.
We
will not obtain personally-identifying information about
you when you visit our site, unless you choose to
provide such information to us.
Jackson Purchase ACA limits the use and
collection of all information to that which is necessary
to maintain and administer financial services, provide
excellent service, and offer new products and services
that may be of benefit to you. If, for any reason, you
would like to be removed from our distribution list,
please contact us at the number or address indicated
above, or by sending email to mscoggins@agfirst.com.
We
may use third party suppliers and/or service providers
to facilitate our services. For example, we may
outsource one or more aspects of our site to a supplier
or service provider who performs services according to
our requirements. In all cases we restrict how these
suppliers or service providers may access, use or
disclose your information. In general, we do not permit
these suppliers or service providers to retain, disclose
or sell your information to third parties.
Security, Intrusion, and Detection
Data
encryption – If you are using a security-enabled
browser (such as Microsoft Internet Explorer version 2.1
or greater, or Netscape Navigator version 2.0 or
greater), the information you provide us is encrypted,
making it extremely difficult to read, even if it is
wrongly intercepted. Our website uses industry-standard
Secure Sockets Layer (SSL) technology to allow for the
encryption of potentially sensitive information such as
your name and address and critically sensitive
information such as your social security number or
account number.
For Web site security purposes and to ensure that this site remains available to all users, traffic on the site is monitored to identify unauthorized attempts to upload or change information, or cause damage. Unauthorized attempts to upload or change information on to this website are strictly prohibited, and may be punishable under the law.
Weblinking & Children’s Online Privacy Protection
Our
privacy policy only addresses our activities from our
web site. This web site is not directed at
children nor do we collect any personally identifiable
information from children. We may
provide links to independent Web sites maintained by
various federal agencies or other organizations, solely
as a benefit to our customers.
These
other sites may have their own policies, which we do not
control, and thus are not addressed by our policy. We do
not endorse, approve or guarantee information, products,
services, or recommendations provided at any of the
sites to which we have provided links.
We
are not responsible for the content or accuracy of any
of these links sites nor are we responsible for any loss
or damage of any sort resulting from the use of a link
on any linked websites. We are
Guidance
for Our Customers Against E-Mail and Internet-Related
Fraudulent Schemes
E-mail
and Internet-related fraudulent schemes, such as
“phishing” (pronounced “fishing”), are being
perpetrated with increasing frequency, creativity and
intensity. Phishing involves the use of seemingly
legitimate e-mail messages and websites to deceive
consumers into disclosing sensitive information, such as
bank or loan account information, Social Security
numbers, credit card numbers, passwords, and personal
identification numbers (PINs). The perpetrator of the
fraudulent e-mail message may use various means to
convince the recipient that the message is legitimate
and from a trusted source with which the recipient has
an established business relationship. Techniques such as
a false “from” address or the use of seemingly
legitimate company logos, weblinks and graphics may be
used to mislead e-mail recipients.
In
most phishing schemes, the fraudulent e-mail message
will request that recipients “update” or
“validate” their financial or personal information
in order to maintain their accounts, and direct them to
a fraudulent website that may look very similar to the
website of the legitimate business. These websites may
include copied or “spoofed” pages from legitimate
websites to further trick consumers into thinking they
are responding to a bona fide request. Some consumers
will mistakenly submit financial and personal
information to the perpetrator who will use it to gain
access to financial records or accounts, commit identity
theft or engage in other illegal acts.
Ways
We Are Working Protect Your Information from Fraud and
Identity Theft
-
We will never send e-mail messages that request confidential information, such as account numbers, passwords, or PINs;
-
We will work to notify Internet service providers, domain name-issuing companies, and law enforcement to shut down fraudulent websites and other Internet resources that may be used to facilitate phishing or other e-mail and Internet-related fraudulent schemes directed towards our customers;
-
We maintain suspicious activity monitoring and employ additional identity verification controls;
-
We will offer our customers assistance when fraud is detected in connection with customer accounts; and
-
As appropriate, we will notify the proper authorities when e-mail and Internet-related fraudulent schemes are detected.
Additional
Tips in Protecting Yourself from Fraud and Identity
Theft
-
The safest approach is to immediately delete e-mail from unknown sources, before opening the e-mail.
-
Avoid clicking on any links in unsolicited e-mail, particularly e-mails that ask (either directly or by pointing to a website) for personal, financial, or identity information. Instead, directly type the website destination into your browser or use a trusted bookmark to verify the site or to log into your account directly.
-
Always access our website by using a trusted bookmark of our site or by directly typing our website address into your browser. Check to ensure you have typed the address correctly before providing personal information on the site.
-
When using AccountAccess, check to ensure that the padlock icon appears in your browser’s status bar. It indicates that your information is secure during transmission.
-
When you click on the VeriSign logo on our AccountAccess log-in page, it should take you to a site indicating that “www.farrmcredit.net” is a VeriSign Secure Site and should display the following information:
|
Name |
ONLINE.FARMCREDIT.NET |
|
Status |
Valid |
|
Validity
Period |
(Example:
08-JUL-04 - 8-JUL-05) Check
to ensure validity period is current. |
|
Server
ID |
Country
= US |
-
If you receive an e-mail that warns you, with little or no notice, that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the e-mail. Instead, contact the company cited in the e-mail using a telephone number or website address you know to be genuine.
-
You may also wish to contact your Internet Service Provider for support in blocking e-mails or subscribing to a “spam” or junk e-mail filter they may offer.
-
Ensure your home computer has adequate anti-virus software and remember to update it frequently.
Reporting
Suspicious or Fraudulent Communications and Transactions
You
should promptly report suspicious activity or e-mail
communications to the Federal Trade Commission (FTC).
Send the actual e-mail you received to uce@ftc.gov.
If you believe you've been scammed, file your complaint
at ftc.gov, then visit
the FTC's Identity Theft website ftc.gov/idtheft
to learn how to minimize your risk of damage from
identity theft.