Security Policy2024-03-22T15:15:29-05:00

Security Policy

Keeping your financial and personal information secure and confidential is our highest priority.

How do we Protect your Personal Information?

We understand how important security and privacy are to you. Here are just a few of the steps we take to protect your personal information:

Computer virus protection helps to detect and prevent computer viruses from entering our computer network systems.
Firewalls help to block unauthorized access by individuals or networks.
Secure data transmissions help to ensure that information remains confidential. We use 128-bit Secure Socket Layer (SSL) encryption to transmit information to you and your bank.

What Can You Do to Protect your Personal Information?

You play a very important role in protecting your information. Here are some tips to help keep your personal information protected.

Choose passwords that are difficult for others to guess. Don’t use personal information such as your birth date, address or pet’s name as a password. Keep your passwords for each account unique, and don’t write your passwords down in a place where others could find them.
Use antivirus and firewall software to protect your computer. Keep your operating system up to date and install the latest security patches. See the links below for more information on protecting your PC.
Remember that we will never ask for personal information such as passwords and account numbers through email.
Stay Alert! If you notice anything suspicious, please contact us immediately.
Check your credit report at least once a year to make sure there is no unauthorized activity. See below for information on obtaining a free credit report.

Want to Learn More?

Here are some links to learn more about protecting your personal information and preventing identity theft:

FTC Tips on Information Security
http://www.ftc.gov/infosecurity/
FTC Identity Theft Information
http://www.ftc.gov/bcp/edu/microsites/idtheft/
Microsoft Security Home Page (for Windows users)
http://www.microsoft.com/security/
Information on Obtaining Free Credit Reports
http://www.annualcreditreport.com

RESOURCES

IMPORTANT DISCLOSURES

This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: Helix by Bank of Orrick loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs.

Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our fees are disclosed in your loan agreement. If you do not make a payment on time, we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process. Bank of Orrick reviews your information in real-time to determine whether your information meets its lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases, and we may pull your credit in order to determine your eligibility and ability to repay.

Availability of loans are subject to change at any time at the sole discretion of Bank of Orrick.

Helix by Bank of Orrick is a brand of Bank of Orrick. Loans are issued and serviced by Bank of Orrick.

© Copyright 2024 Helix by Bank of Orrick. All rights reserved.