Security
and Privacy Statement – Bangkok Bank PCL
1.
Respect of our Customer’s Right to Privacy
Bangkok Bank realizes
that the trust of our customers is our most valuable asset. We recognize that customers
expect a high level of privacy and security for their personal and financial affairs.
We maintain rigorous standards and procedures in order to safeguard sensitive information
entrusted to us and prevent misuse of this information.
2.
Information that is Collected and Retained
The information
that we will collect about you will depend on how you use the facilities offered
by the Bangkok Bank websites.
We collect, retain,
and use information about you only where we believe that it will help better run
our business or provide products, services, and other opportunities to you.
We use such information to protect and administer your records and account; to comply
with certain laws and regulations; to help us design or improve our products and
services; and to help us to understand your financial needs so that we can provide
you with superior service.
We collect and retain information about you only for specific business purposes
– and we will provide full disclosure to tell you why we are collecting and retaining
it upon your request.
Please see IX -Details
of What, When, and Where Information is Collected.
3.
Security and Privacy of Information
We employ world
class security standards, technologies and procedures to help prevent unauthorized
access to confidential information. We have made a significant investment in time,
money and people to ensure our website meets the highest standards, including Firewalls,
Hardware Key Management, Intrusion Detection and Assessment technologies. For Internet
Banking, we utilize 128-Bit "strong encryption" for all access to our
transactional services on the Internet, and require customers to register prior
to using the service.
For services other
than Internet Banking we may use other key-lengths for encryption.
We constantly update
and test our technology to improve the protection of our information about you and
to assure the reliability of our information.
4.
Ensuring Accuracy of Information
The Bank strives
to ensure your account information is accurate and up to date. If you find
that your account information is incomplete, inaccurate or not current, please contact
us via our Bualuang Phone service, Card Member Service Section or at one of our
branches. We will investigate and respond in a timely manner.
5.
Limiting Access to Information within the Bank and Group of Companies
Bangkok Bank is
made up of a number of companies, such as our Bank, the Bualuang Asset Management
Co. All of these companies work together to provide the accounts and services
you want.
With your consent, we may also share information from your applications and external
sources, such as credit reports, among the Bangkok Bank family of companies in an
effort to serve you.
By sharing information
about your accounts and relationship between our family of companies, we can serve
you more efficiently and make it easier for you to do business with us. For
example, if you have business relationship with one of our companies and want to
establish a new relationship with another of our companies, we may share information
you have provided to us. This could save you time in contacting us since you
may not need to furnish the same information twice.
We share information
for mailing labels to be used in marketing campaigns among the Bangkok Bank family
of companies.
6.
Disclosure of Information to External Parties
We
do not reveal specific information about your accounts or other personally identifiable
data to external parties outside the Bangkok Bank group, unless:
A.
Your consent has been obtained
B. The information is provided to help complete a transaction initiated by you
C. The information is provided to a reputable credit bureau or similar authorized
information reporting agency
D. The disclosure otherwise is lawfully permitted or required by any relevant authority.
We
do not provide account or personal information to external parties outside the Bangkok
Bank group for the purpose of independent telemarketing or direct mail marketing
of any non-financial products or services of those companies although companies
within the Bangkok Bank group may contact third parties to provide those services
on their behalf.
7.
Acceptance and Changes to our Privacy and Security Policy
This is the current
Bangkok Bank Privacy and Security Policy. It replaces any other Privacy
and Security Policy for the Bangkok Bank websites published to date.
Bangkok Bank may
at any time vary the Privacy and Security Policy by publishing the varied Privacy
and Security Policy on the Bangkok Bank websites.
8.
Privacy Guidelines
The
following explains the security technologies we employ and your role, as customers
to ensure that your banking information remains secure.
- ID and Password
When you register for our Bualuang iPay service, you will be given a unique identifier
and will be required to select a password to use this service. The Bank knows your
ID but only you will know your Password, this ensures the password remains a secret
to both internal and external parties. You are responsible for maintaining the security
of your banking information by not sharing your ID or password with anyone, by changing
your password periodically, and by remembering to sign off from the system as soon
as you are finished.
- Cookies
To provide better service and a more secure website, we use "cookies"
as part of our interaction between your browser and the Bangkok Bank computer systems.
A "cookie" is a small text file placed on your hard drive by our web page
server. These cookies are encrypted and used to maintain the secure connection between
the browser and the server; they do not contain customer specific information, are
one-time only and cannot be reused.
Cookies
are commonly used on websites and do not harm your computer system. By configuring
your preferences or options in your browser, you determine if and how a cookie will
be accepted. Your browser must be configured to accept cookies in order to access
our transaction websites.
- Privacy of Online Information
Whenever you access or enter personal information on our website, we use 128-Bit
Secure Socket Layer (SSL technology) for transferring data. This technology encrypts
- or scrambles - information so it is practically impossible for anyone other than
Bangkok Bank to read it. Click
here for more information.
- E-mail
We preserve the content of all e-mail sent to us by customers, including the e-mail
address and a copy of our responses, so that we can efficiently process any subsequent
questions you may have. We may occasionally contact you at your e-mail address if
we think a particular Bangkok Bank service might apply to your situation.
It
is important to note that regular non-encrypted Internet e-mail is not secure. We
cannot be sure that you actually sent it, or that the message contents have not
been seen by other parties. In the instances where Bangkok Bank Internet e-mail
addresses are provided, these should be used for information inquiries of a non-sensitive
and non-confidential nature.
You
may contact us via our Bualuang Phone service (66 22645 5555) or 1333, Credit card
customer service or at one of our branches.
See
our
Contact Us and our
Banking Center Locator Web pages
for additional information about contacting us.
- Third Parties and Consolidators
Consolidation sites are Internet websites which offer the ability to collect all
of your personal information on one website. For example, you may be encouraged
to provide consolidation websites with your personal finance information, such as
your Online ID, Access ID, PC Password or Online Password for Internet Banking.
BANGKOK BANK RECOMMENDS THAT CUSTOMERS NEVER PROVIDE THIS INFORMATION TO SUCH SITES.
9.
Details of What, When, and Where Information is Collected
Browsing Information
If you visit the
Bangkok Bank website to read, browse or download information, our system will record
the date and time of your visit to our site, the pages viewed and any information
downloaded.
On-line Tools
and Application Forms
The Bangkok Bank
website currently offers, or will offer, a number of interactive facilities including
tools such as a home loan calculator, as well as on-line application forms.
If you use
any of these tools we generally do not capture any personal information that you
may enter when using these tools. An exception is where a tool allows you
to suspend entry and retrieve the details at a later time. In that case, the
information is stored on our systems so that you may recover the information when
you resume your plan. Any information stored is not used by us.
If you complete an on-line application form, the information that you enter onto
the on-line form will only be collected by us if you submit your on-line application.
If at any stage you cancel your application or log out prior to submitting your
application, the information you have entered up to that point will be automatically
deleted. If you suspend your application, for example because you wish to
complete it at another time, the information that you have entered will be retained
in our systems so that you may recover the information when you resume your application.
On-line applications that have been suspended are not processed by us.
Links to Third Party Web Sites
The Bangkok Bank
website may contain links to websites of third party providers of goods and services.
If you have accessed Third Party websites through the Bangkok Bank website, and
if those third parties collect information about you, Bangkok Bank may also collect
or have access to that information as part of our arrangements with those third
parties.
Third Party websites
should contain their own privacy policies. Third parties are responsible for
informing you of their own privacy policies.