Privacy Statement
At Pulaski Bank, we understand the importance of protecting consumer privacy in building and maintaining a long-term relationship with our customers. For this reason, we have created a set of privacy principles in order to assure that your privacy is maintained. We hope that the following statements will assist you in understanding the measures we take to protect your personal and financial information.
1. Recognition of a Customer's Expectation of Privacy. We recognize and respect the privacy expectations of all of our customers.
2. Use, Collection and Retention of Customer Information. We collect, retain and use information about our customers only to the extent we believe such information is necessary, useful and allowed by law, to enable us to conduct our business and to offer our customers a wide array of competitive products, services and other opportunities that may be of interest to them. We collect non-public information about you from the following sources.
- Information we receive from you on applications.
- Information about your transactions with Pulaski Bank, our corporate family members or others.
- Information we receive from third parties such as a consumer-reporting agency.
3.
Maintenance of Account Information. We do not share any non-public personal information about our customers or former customers with anyone except as permitted by law, specifically Title V of the Gramm-Leach-Biley Act of 1999. The confidentially of your nonpublic personal information will continue to be maintained consistent with this privacy notice even if you decide to close your account(s), your account becomes inactive, or when you otherwise cease to do business with us.
We are permitted under law to disclose non-public personal information about you to third parties to assist with the servicing of your loan, consumer-reporting agencies, and in response to legal subpoenas and other legal processes.
We may disclose all of the information that we collect, as described above, to third parties that perform marketing services on our behalf, such as joint marketing agreements in order to make a variety of services available to you. These third parties must agree to strict confidentially provisions to assure protection of your information. If you do not want such information shared you may contact us.(See Opt Out Procedures.)
4.
Fair Credit Reporting Act Disclosure. We may share information about you with our affiliates. Under the Fair Credit Reporting Act, you may direct us not to share certain credit information with our affiliates. Examples of the kind of credit information that you may direct us not to share include the nonpublic personal information you provide in your application or that we obtain about you from non-affiliated third parties, such as credit bureaus.
5.
Opt Out Procedures. If you don’t want such information shared you may call us at 314-878-2210, or write to us at Pulaski Financial Corp., Attention: Office of Consumer Privacy, 12300 Olive Blvd., Saint Louis, Missouri 63141. Please provide your name, address, telephone number and account number(s). It may take up to 30 days to process your request, once we receive it. (NOTE: If you have previously requested that we restrict such sharing you do not need to make another request.) Your request not to share credit information does not include information we are permitted to share by law, such as information related solely to our experiences or transactions with you. Your account balance and payment history are examples of transaction and experience information that we are always permitted to share with our affiliates.
6.
Limiting Employee Access to Information. We limit access to personally identifiable customer information to our employees with a legitimate business reason for knowing such information. We train our employees to make sure that they understand the importance of confidentiality and customer privacy. We also enforce our employees' compliance with these principles through appropriate disciplinary measures as provided for in our Employee Rules of Conduct.
7.
Protection of Information via Established Security Procedures. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.
8.
Protecting Children's Privacy Online. From our web sites, we do not knowingly collect or use personal information from children under 13 without containing verifiable consent from their parents. Should a child whom we know to be under 13 send personal information to us, we will only use that information to respond directly to that child, seek parental consent, or provide parental notice. We are not responsible for the data collection and use practices of nonaffiliated third parties to which our sites may link.
We at Pulaski Bank appreciate your business and will continue to protect the trust you have placed in us. Thank you for choosing Pulaski Bank as your financial institution.
Security Statement
Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features an issued Digital ID for the bank's Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.
Secure Data Transfer Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.
Router and Firewall Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your Internet loan application is secure.