Capitalbay Merchant Bank understands the importance of the confidentiality of the personal and financial information our customers and visitors to our website supply and as such we maintain appropriate security standards and procedures regarding unauthorized access to information.

Capitalbay Merchant Bank will only collect, process and store information about you that we have openly collected from you or we have openly collected from you with your consent. In addition to this we do log your IP address which is automatically recognised by our Web Server. We will only collect information that is relevant to providing our online service.

We use your information to manage your account(s), give you statements and provide our services. We also use your information for assessment and analysis such as to determine what kinds of products, services and sections of our site may be of greatest interest to you. Your information also helps us to develop and improve on our existing products and services.

We will keep your information while you have a relationship with us and for any retention period that we are legally required to meet. If, to provide this service, we need to transfer your information to another company, we will tell you.

When you sign on to our Internet Bank, all information, including messages, are protected by encryption while in transit across the Internet.

If you use standard e-mail for communication with Capitalbay Merchant Bank, information will not be protected in the same way and you should be aware that Capitalbay Merchant Bank cannot guarantee that it remains confidential whilst in transit.

All e-mail sent to Capitalbay Merchant Bank will be monitored and checked to ensure our systems operate effectively.

Capitalbay Merchant Bank has establish security standards and procedures which are periodically reviewed and tested in order to safeguard and protect customer information. As a result of this, we can and will treat your personal and financial information that may come to our knowledge with utmost secrecy and confidentiality such that your information shall not be made known to a third party without your express authorization unless otherwise required by law.

Please note that any changes Capitalbay Merchant Bank makes to this policy will be communicated electronically on the home-page of this site and not by individual written communication. Continued use of our services after such changes will signify your consent to such changes.

Cookies
A cookie is a small piece of data sent by our computer to yours so that information can be recalled.

A cookie is stored by your web browser in a text file on your computer with the word 'cookie' in its name. Each time your web browser requests a page from our web server, the cookie's message is sent back. Only our web server may read the contents of a cookie you accept from us.

Capitalbay Merchant Bank uses cookies in the following ways:

• To store your Customer information so that you do not have to type it in each time you sign on to the Internet Bank.
  
  You are offered this cookie on the Online Banking sign on page.
   
• To track how users reach our site and the path they take through it, to help us to improve our service to you.
   
• From time to time we use a third party company to monitor and analyse traffic to, from and within our website. Cookies may be used as part of this process.

Definitions and Terms

Browser or Web Browser
There are many web browsers but the most common ones are Google Chrome , Mozilla Firefox, Microsoft Edge and Microsoft Internet Explorer. Web browsers are used to locate and display web pages.

IP (Internet Protocol)
All networks connected to the internet speak IP, the technical standard which allows data to be transmitted between two devices. TCP/IP (Transmission Control Protocol/Internet Protocol) is responsible for making sure messages get from one computer to another and that the messages are understood.

IP Address
When you are connected to the Internet you have an IP address. It may look something like this - 255.255.255.255.

If you are a dial-up customer using an analogue modem or ISDN, your IP address will usually change each time you connect to the Internet. This means that you cannot be uniquely identified by your IP address.

Web Server
The computer which sends web pages to your computer.