Protecting your privacy is our top priority.
Nothing is more important to Donaldrufus Investment Bank than protecting the privacy of the personal and financial information you’ve shared with us. We’ve taken a number of specific steps to ensure that your privacy is respected, and there are lots of things you can do to protect your information, too.
Find out more about how we’re protecting your privacy, and how you can keep your personal information safe.
Protecting your personal info
Understanding cookies
Privacy and social media
Policies on money Laundering and terrorist financing
Lost Of Stolen Card
Have a privacy concern or complaint? Contact us with your questions, or call us at +1 646-513-2897 and ask to speak with the Privacy Office.
Protecting your personal info
When you choose to bank with Donaldrufus Investment Bank, you are asked to give us permission to collect personal and anonymous information from you, both directly from you and from the product and service arrangements you make with or through us.
The personal information we collect about you to help us meet your product and service needs. We also need your personal information to determine your eligibility for products and services like loans, ensure high service standards, meet regulatory requirements and to verify your identity. We only collect personal information with your express approval. We also obtain information from the credit reporting agencies, other financial institutions and from the references you authorize us to contact.
How we protect you
Donaldrufus Investment Bank has a robust privacy and security framework, and we have implemented a number of privacy practices and procedures to prevent unauthorized access, use or manipulation of your personal information, including:
- Requiring all employees sign a confidentiality agreement
- Identifying clear lines of accountability for any and all privacy and security incidents
- Implementing electronic security measures such as passwords, pass codes and, where necessary, encryption
- Limiting physical access to secure areas in our buildings
- Limiting information access to only those employees that need it to provide you with services
- Requiring contractual agreements with our business partners to ensure confidentiality
To further protect against unauthorized access to your accounts, our online banking system is designed to automatically log you off after an extended period of inactivity. If this happens, you will be required to log in again to resume your online banking transactions.
How you can protect yourself
You can help ensure that your personal information is accurate, up to date and protected in a few simple steps:
- Keep confidential your account information, user ID, personal access code (PAC), in-branch member identification code (MIC) and other personal information
- Review your monthly account statements thoroughly and report suspicious activity to us immediately
- Verify the identity of any person asking for your personal information by phone before you provide information, including anyone calling from Donaldrufus Investment Bank
- Refrain from using email to send sensitive or confidential information
- Log off of your online applications when you are finished conducting business online, so that no one else can enter your accounts
- Update your software and operating system – including your personal firewall, anti-virus and anti-spyware protection – on a regular basis
- Shred unwanted printed financial and account information – like a bank statement or receipts – so that they don’t fall into someone else’s hands
- Update your address and contact information as soon as you move
Understanding cookies
What is a cookie?
A cookie is a small file that is transferred to your computer's hard drive through your web browser. It's like a personal identification card that is unique to you and can only be read by the website server that gave it to you. A cookie's function is to tell our system that you have returned to our website. It cannot be executed as computer code or used to deliver viruses.
How does a cookie help me?
A cookie saves you time when you personalize a web page, register for products or services or subscribe to a newsletter by helping our website remember you so you will see the information you requested when you return to the site.
How does Macfitzer use cookies?
Cookies help our website to work more efficiently for you. We learn what information is important to you, and also what information is not important. Cookies help us to remove web pages members don't use, and focus on providing the information members need. Our cookies are also necessary to maintain your secure session when you’re accessing our pages.
Do I need to accept cookies?
If you don’t want to accept cookies from www.donaldrufusbankonline.com , you can set your web browser to accept no cookies or to erase all cookies at the end of the session. However, please note that our online banking service requires cookies. If you wish to bank online, you’ll need to enable your browser to at least use “session cookies,” which are stored temporarily and destroyed when you leave our site, providing added security and convenience when you bank online.
Privacy and social media
Social networking sites such as Facebook, Twitter, YouTube, LinkedIn, Foursquare, and MySpace have become extremely popular over the last decade, with billions of online users. However, social networking has also dramatically increased opportunities for fraudsters to get access to your personal information.
Social networking sites build connections between individuals, and ask us to share significant amounts of personal information – including names, contact information, education and employment histories, photos and more. It’s not hard to see how these pages can give fraudsters opportunities to impersonate you or try to get access to your good money.
Divulging too much information online can lead to cyber stalking, bullying, identity theft and extortion. In all cases, when using social networking sites and social media (including blogs and wikis), use extreme caution about the kinds of information you make public about yourself – or it could be used against you. And remember, whatever you post on the Internet will be on the Internet forever.
How you can protect yourself when using social media
- Never post your personal details such as your phone number, date of birth, address or employment details or common security questions (like your mother’s maiden name).
- Learn about site security privacy features and set them at a level you are comfortable with.
- Be judicious about whom you allow to be your “friend” online, or to join your network.
AML and ATF Policies
Summary of Anti-Money Laundering (AML) and Anti-Terrorist Financing (ATF) Policies at the Macfitzer Group
The Manager, Corporate Security and Chief Anti-Money Laundering Compliance Officer for the Macfitzer Group (“The Group”), is responsible for the development and application of AML/ATF compliance policies and procedures to detect and deter Money Laundering and Terrorist Financing activities, to review these policies on a regular basis to test their effectiveness and for the implementation of ongoing AML/ATF training for employees. The Group verifies and ascertains the identity of all individuals who open up an account and requires government issued, recordable identification to satisfy legislative requirements.
Our policies and procedures comply with all requirements under the following legislation; the Proceeds of Crime (Money Laundering) and Terrorist Financing Act of Canada (PCMLTFA), USA, The European Union, and Regulations, the Anti-Terrorism Act, the United Nations Suppression of Terrorism Regulations and the European Union Criminal Code.
FINTRAC, the Office of the Superintendent of Financial Institutions (OSFI) Canada, and the Financial Commission of British Columbia (FICOM), have developed guidelines to detect and deter money laundering and terrorist financing. In addition, the Financial Action Task Force (FATF) on Money Laundering and the Basel Committee, on Banking Supervision have issued recommendations related to customer identification and record keeping. Our policies and procedures reflect these guidelines and recommendations.
The Group will not knowingly transact business with sanctioned individuals, entities and/or countries identified by appropriate government agencies, law enforcement, regulators, or United Nations resolutions. Any property held in the name of a listed person or entity is frozen and the disposition is reported to the appropriate agency as required by law.
Our Corporate Policy stipulates that we observe all regulatory requirements in any jurisdiction where we conduct business. We will cooperate with law enforcement agencies to the extent permitted by regulations and our policies and procedures. We do not open any anonymous accounts, nor will we enter into or continue a correspondent banking relationship with a bank incorporated in a jurisdiction that does not have a physical presence and which is not affiliated with a regulated financial group, (shell banks).
We trust the foregoing satisfactorily answers your questions regarding our anti-money laundering and anti-terrorist financing policies and procedures.
Lost or stolen cards
Prevent yourself from being a victim of credit or debit card fraud by reporting a lost or stolen card immediately.
- Report a lost or stolen Macfitzer enviro™ Visa card at +1 646-513-2897
- Report a lost or stolen MemberCard (debit card) at +1 646-513-2897 or (+44) 203-514-5513 .
As always, if you have any other questions or concerns regarding security or fraud, talk to a Macfitzer staff member at +1 646-513-2897 or (+44) 203-514-5513.
