How we protect you
CIBC FirstCaribbean Internet Banking is Safe and Secure
Our state-of-the-art technology ensures that your banking information always remains safe and secure. Only you will have access to your CIBC FirstCaribbean Internet Banking password, and you can change it as often as you like.
CIBC FirstCaribbean International Bank is committed to protecting your privacy when you visit our website. All information you share with us will be treated with the strictest confidentially at all times.
Your personal information will not be disclosed outside the CIBC FirstCaribbean International Bank Group, except in circumstances advised to you at the time you apply for a product or service.
Your Security
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 take to protect your financial and personal information.
How is my online financial information protected?
Here is how CIBC FirstCaribbean Internet Banking services ensures 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
What is 128-bit encryption technology?
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.
What is the difference between authentication and encryption?
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.
Why are some web browsers more secure than others?
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. FirstCaribbean Internet Banking supports Microsoft Internet Explorer 5.5 or higher or Netscape Navigator 7.0 or higher.
How do I know what level of security I have on my browser?
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 CIBC FirstCaribbean 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 CIBC FirstCaribbean Internet Banking web site, this should read 128-SSL.
What happens when I Log on and Log off?
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.
How does CIBC FirstCaribbean Internet Banking use my information?
CIBC FirstCaribbean Internet Banking may use the information we collect about you in the following ways:
ONLINE SURVEYS
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.
ONLINE OFFERS
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.
ONLINE ADVERTISING
CIBC FirstCaribbean Internet Banking sometimes places online ads on web sites that are not affiliated with CIBC FirstCaribbean International Bank. If you select one of these ads, CIBC FirstCaribbean 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.
WEB SITE ACTIVITY
CIBC FirstCaribbean Internet Banking 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.
How do I clear my browser cache?
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
What is JavaScript and why do I need it?
JavaScript is a small program that enhances web pages and servers. CIBC FirstCaribbean Internet Banking uses JavaScript to make our web site easier to use. You must have JavaScript enabled on your browser to use the CIBC FirstCaribbean Internet Banking web site.
