How We Protect You
We want you to know when you bank with CIBC FirstCaribbean Internet Banking, your security is our most important concern. When you Log on to your accounts, your confidential account information is protected by one of the most secure forms of encryption widely available for Internet browsers.
A truly secure banking environment is a partnership between you and your bank - so here is some information about how we ensure your security and how you can help.What we do
We take your online security extremely seriously. The questions and answers below will give you some of an idea of the steps CIBC FirstCaribbean takes to protect your financial and personal information.How is my online financial information protected?
Here is how CIBC FirstCaribbean Internet Banking services ensure that your money and personal information are protected:
- we use secure 128-bit encryption-one of the highest forms of encryption technology available today
- we have firewalls and stringent internal access procedures to guard our systems from hackers
- we monitor all internal systems to ensure security
- we perform regular and independent audits on our computer banking systems to ensure that security meets or exceeds banking standards
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 CIBC FirstCaribbean 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. To access to do your banking, you need a browser with a minimum of 128-bit encryption. CIBC FirstCaribbean Internet Banking supports Microsoft Internet Explorer, Mozilla Firefox, Apple Safari and Google Chrome.
If you use Internet Explorer, look in your browser's 'Help' Menu and select 'About Internet Explorer.' This selection shows the version of the browser and also the latest updates. Explorer 5.5 and higher supports 128 bit encryption.
At an encrypted website you will see a small closed lock icon in one of the following locations depending on the version of Internet Explorer that you use: the lower corner of your web browser window; in the Security Status bar located on the right side of the Address bar; or in the Address Bar. The certificate that is used to encrypt the connection also contains information about the identity of the website owner or organization. In Internet Explorer version 8 or higher you can click the lock to view the identity of the website. When you are on the CIBC FirstCaribbean Internet Banking web site, you should see this symbol of a small closed lock and the address should have "https://" at the beginning.
If you use Mozilla Firefox, simply look in your browser's 'Help' menu and select 'About Firefox'. This selection shows whether your browser is up to date. Firefox version 1.0 and higher supports 128 bit encryption.
The Site Identity Button is a Firefox security feature that gives you more information about the sites you visit. The Site Identity Button is in the Location bar to the left of the web address. You can quickly find out if the website you are viewing is encrypted, if it is verified, who owns the website, and who verified it by clicking on this button. This should help you avoid malicious websites that are trying to obtain your personal information. When you are on the CIBC FirstCaribbean Internet Banking web site, you should see a green identity button along with "https://" at the beginning of the website address.
If you use Google Chrome, at the fully encrypted website you will see a green site security button in the location bar to the left of the web address. All versions of Chrome support 128 to 256 bit encryption. You can quickly find out if the website you are viewing is encrypted, if it is verified, who owns the website, and who verified it by clicking on the security button and selecting the connection tab. When you are on the CIBC FirstCaribbean Internet Banking web site, you should see a green identity button (symbolizing that the connection supports 256-bit encryption) and the address should have "https://" at the beginning.
For your protection, you have to provide your 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 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 CIBC FirstCaribbean 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 CIBC FirstCaribbean 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 unauthorised 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.
CIBC FirstCaribbean Internet Banking may use the information we collect about you in the following ways:
CIBC FirstCaribbean 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.
CIBC FirstCaribbean 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.
CIBC FirstCaribbean sometimes places online ads on web sites that are not affiliated with CIBC FirstCaribbean. If you select one of these ads, CIBC FirstCaribbean 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.
WEB SITE ACTIVITY
CIBC FirstCaribbean monitors web site activity to better understand the needs of our visitors and to improve our services. For more information on how CIBC FirstCaribbean 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 CIBC FirstCaribbean International 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.
- 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.
- We will rely on your implied consent to use and disclose identifying information about you, such as your name and address.
If you use a public or shared computer to access CIBC FirstCaribbean Internet Banking, it is vital that you sign off when you are finished. Once you have signed off, you should enhance your security by clearing the browser's cache. The cache maintains a copy of web pages that have been viewed recently.
Below are a list of steps on how to clear your browser's cache, or you can use your browser's Help section:
Firefox 3.5 for Windows
- Choose "Clear Recent History" from the "Tools" menu
- Select "Details"
- Ensure that the "Cache" option is checked and select the "Clear Now" button
- Close window
Firefox 2.x for MacOS
- Choose "Preferences" from the "Firefox" menu
- Select "Privacy" icon from the menu
- From the "Private Data" section, select the "Clear Now" button
- Ensure that the "Cache" option is checked and select "Clear Private Data Now" button
- Select "OK" to close the window
Microsoft Internet Explorer 8.0 for Windows
- Choose "Internet Options" from the "Tools" menu
- Select the "General" tab
- From the "Browsing history" section, select "Delete" button
- From the "Temporary Internet files" section, select "Delete files" button
- Deleting cached files may take a while. When the browser is done, select "OK"
Apple Safari 2.0 or later for MacOS
- Choose "Empty Cache" from the Safari menu
Reporting Fraud by a CIBC FirstCaribbean Employee
If you have concerns regarding the integrity of CIBC FirstCaribbean accounting, internal accounting controls or auditing matters, we have a confidential and anonymous hotline to submit reports.
WhistleBlower Hotline (35 KB)