Encryption scrambles all information between your personal computer and our computer systems, protecting the information you provide to us as it travels over the Internet. Your banking information and transactions are kept secure by using one of the best, most commonly used encryption technologies available: 128 bit encryption. Our computer security specialists build security into all our computer systems. This protects your information at all times, whether it is stored in data files or handled by our employees. Our systems also protect your information when it is transmitted, for example, between our data processing centres and a branch, or banking machine, or a store when you use your Caribbean Union Bank Card at a Point of Sale terminal.

Authentication is vital for secure e-commerce transactions in which you send private and confidential information over the Internet and first want to verify the receiving server's identity. Server authentication allows you to confirm a web server's identity. Your browser can automatically check that a server's certificate and public ID are valid and have been issued by a certificate authority (CA), such as VeriSign. An encrypted connection requires all information sent between your computer and our servers to be encrypted by the sender and decrypted by the receiver. This protects private information from being intercepted over the Internet. This means that you can share personal data (such as your account information) with us, trusting that it will remain private and confidential.

When surfing the internet you can choose from many types of web browsers on the market today, and they all have varying degrees of security. This is because they use different technologies for encryption, making some web browsers more secure than others. For example, Netscape Navigator has two different levels of encryption security: 40-bit encryption and the more secure 128-bit encryption. To access do your banking, you need a browser with a minimum of 128-bit encryption. Caribbean Union Internet Banking supports Microsoft Internet Explorer 5.5 or higher or Netscape Navigator 7.0 or higher.
You can download a browser for free using the links below.

Microsoft Windows
Microsoft Internet Explorer 5.5 or higher
Netscape Navigator 7.0 or higher

Macintosh OS
Microsoft Internet Explorer 5.5 or higher
Apple Safari 1.0 or higher

If you use Internet Explorer, look in your browser's 'Help' Menu and select 'About Internet Explorer.' This selection shows the level of encryption that your browser supports. If you hold the cursor over the lock icon that appears in the lower right hand corner of your browser, a message will appear indicating the level of encryption supported on that page . When you are on the Caribbean Union Internet Banking web site, this should read 128-SSL. If you use Netscape Navigator, simply look in your browser's 'Help' menu and select 'About Netscape' or 'About Communicator'. This selection shows the level of encryption that your browser supports. If you hold the cursor over the lock icon that appears in the lower left hand corner of your browser, a message will appear indicating the level of encryption supported on that page. When you are on the Caribbean Union Internet Banking web site, this should read 128-SSL.

For your protection, you have to provide your Caribbean Union Bank Card Number or User ID and password when you log on to any secure area of our web site. If you are unable to provide the correct combination of Caribbean Union Bank Card Number or User ID and password, you will not be granted access. When you log on successfully, your web browser will establish a secure connection between your computer and our web server. This allows you to communicate with Caribbean Union and to conduct online transactions safely. To make sure your browser has established a secure connection, look for a lock icon at the bottom left or right hand corner of your browser. If you hold the cursor over the lock icon, it will display the level of encryption that is supported on the page. For the Caribbean Union Internet Banking web site, this should read 128-SSL. You can also check the address bar of your browser; if the address starts with "https://" rather than the standard "http://", then your session is secure. To protect you against unauthorized access to your accounts, your session will time out after 15 minutes of inactivity. When this happens, you will have to log on again to continue your banking. We recommend that you clear your browser cache after you log off, or close your browser and re-open it before browsing the Internet.

Caribbean Union Internet Banking may use the information we collect about you in the following ways:

Online Surveys

Caribbean Union Internet Banking may randomly present surveys to visitors of our web site. The survey data is collected anonymously and is used to help improve our services. We do not use the survey data for marketing purposes, and you are not required to complete online surveys.

Online Offers

Caribbean Union Internet Banking may present product and service offers to you when visiting our web site. You can choose to accept these offers, decline them, or view them at a later time. You are not required to accept online offers.

Online Advertising

Caribbean Union Internet Banking sometimes places online ads on web sites that are not affiliated with Caribbean Union Bank. If you select one of these ads, Caribbean Union Internet Banking may track the response rate and the web site activity associated with each ad. The response rate data is collected anonymously, and is used to help us plan future online advertising campaigns.

Website Activity

Caribbean Union Internet Banking monitors web site activity to better understand the needs of our visitors and to improve our services. For more information on how Caribbean Union Internet Banking tracks web site activity, please see our section about . Your information is obtained or used only with your consent We obtain your consent before we:

• obtain a credit report
• offer you other products and services
• send you information about products and services by means of direct marketing
• provided it is legally permitted, share your information in confidence within the Caribbean Union Bank
• obtain, use or disclose to other persons, information about you unless we are obliged to do so by law or to protect our interests
• use your information in any way we didn't tell you about previously

Your consent can be express or implied Express consent can be verbal or written. For example, when you sign a credit application you are giving your written consent for us to obtain a credit report. You imply consent when we can reasonably conclude you have given consent by some action you've taken, or when you decide not to take action. For example, if we offer a credit card with attached conditions and if you use the credit card, we can conclude that you have consented to the conditions.

If you share a computer and Internet connection with someone, that other person could view your confidential financial information by hitting the Back button on your Web browser after you have used it to do your banking. You can keep your private information secure by closing your web browser after your banking session or by clearing your browser's cache. The cache maintains a copy of web pages that have been viewed recently. Follow these instructions to clear your browser's cache: Netscape 7.0 or later

• Select "Edit" in the browser menu bar.
• Select "Preferences".
• Select the box next to the "Advanced" option in the Category list on the left side of the Preferences window.
• Select the "Cache" option.
• To remove all files currently in your memory cache, select "Clear Memory Cache" or "Clear Cache". If you have an earlier version of Netscape, you will see a "Clear Disk Cache" button. Select this button and then select "OK". If you do not see this button, your disk cache was cleared when you selected the "Clear Cache" button.
• Select "OK" to return to your browser.

Microsoft Internet Explorer 5.5 or later

• Select "Tools" from the browser menu bar.
• Select "Internet Options".
• Select the "General" tab at the top of the Internet Options window.
• Select the "Delete Files" button in the "Temporary Internet Files" box.
• Select "OK".
• Select "OK" to return to your browser.

JavaScript is a small program that enhances web pages and servers. Caribbean Union Internet Banking uses JavaScript to make our web site easier to use. You must have JavaScript enabled on your browser to use the Caribbean Union Internet Banking web site.

Online security starts with your web browser. When you access your Caribbean Union Internet Banking accounts over the Internet, your browser is checked to ensure it meets our minimum security requirements. You can protect yourself online by using an up-to-date browser with the most recent security updates. To get online access, you will need a browser that uses a minimum 128-bit encryption technology. Currently, to access your Caribbean Union Internet Banking online accounts, we recommend: Microsoft browser version 5.5 or higher with 128-bit encryption technology Netscape browser version 7.0 or higher with 128-bit encryption technology You can download a browser for free using the links below.

Microsoft Windows
Microsoft Internet Explorer 5.5 or higher
Microsoft Internet Explorer 5.5 or higher

Macintosh OS
Microsoft Internet Explorer 5.5 or higher
Apple Safari 1.0 or higher
Below are some additional tips that will help protect your online experience.

• keep your account information and password confidential
• don't leave your account information or password in an open area where a passerby might see it
• before entering personal information on a web site, check that your web session is secure by looking for a small lock symbol in the lower corner of your web browser window. A closed lock indicates the web site you are on is secure. You can also look for the letters "https://" at the beginning of your web site address in your web browser. The "s" means that the web connection is secure.
• never leave your computer screen unattended while in the secure banking area of the site
• always sign off your online accounts and close your browser if you're going to step away from your computer
• don't send privileged account information (account number, password, etc.) via e-mail
• try not to use passwords that incorporate your name, telephone number, address or birth date or those of any close friend or relative
• change your password monthly; don't reuse the same password for at least one year.
• don't use a password you use for anything else
• don't use any part of your Caribbean Union Bank Card number as your password.
• use a quality anti-virus program as often as possible
• avoid doing your online banking on public computers (for example, at libraries and Internet cafes)
• frequently check the most current information about your browser (can be found at your browser's web site) for changes and upgrades
• regularly check for security updates from your software/browser vendor(s)

Passwords are used by computer systems and web sites to verify your identity. When you sign in to a banking site, you need to provide a password to get access to your accounts. If someone else knows or guesses your password, they can access the same accounts. Always choose unique passwords that are hard to guess. Longer passwords are more difficult to figure out than shorter passwords, especially if you mix letters and numbers. You should also avoid choosing passwords that are obvious, such as family names, birthdays and telephone numbers that might be easy for others to figure out.

Passwords tips:

• never share your pas
• swords with others, including family members
• never give your password to a third party such as a payment service provider as this places your financial information at risk don't use obvious passwords like your name, names of family members, your address, or any other information that might be found in your purse or wallet
• try to avoid passwords that are real words
• make it difficult for others to guess your password by ensuring it contains a combination of letters and numbers
• avoid using the same password for several accounts or services — you should use a unique password for each web site and purpose
• change your passwords frequently
• if you think someone knows your password, change it immediately.

When you are finished banking, remember to log off. We recommend that you clear your browser cache after you log off, or close your browser and re-open it before browsing the Internet. This will ensure that any information that is cached or stored on your computer or in your browser is erased, preventing others from being able to view this information later.

Your browser cache maintains a copy of web pages that have been viewed recently. Once you have finished banking and have signed off of the Caribbean Union Internet Banking web site you should clear your browser's cache , especially if you use are using a public or shared computer.

Computer viruses and worms receive a lot of media attention because they can spread quickly and wreak havoc on personal computers and corporate networks. You should always use up-to-date anti-virus software that is capable of scanning files and e-mail messages for viruses. This can prevent your files from being corrupted or lost, as well as save you hours of frustration as you try to restore an infected computer system. Do not open attachments to e-mails unless you trust the person or company that sent you the e-mail. You can download anti-virus software from the web sites below:

Norton AntiVirus 2004
http://www.symantec.com/region/can/eng/product/nav/nav_9xnt/

McAfee VirusScan
http://ca.mcafee.com/root/package.asp?pkgid=100&langid=34