Information Collected About Your Visit to the website
Banking Spectrum automatically collects and stores the following information about you and/or your institution when you visit our website:

• The date and time the request was received.
• Your Internet Protocol (IP) address, or the proxy address of your Internet Service Provider (e.g. AOL, CompuServe, etc.).
• The name and IP address of the server that received and logged the request.
• The query in the request. This field captures any criteria or parameters issued with a query, such as keyword searches.
• Banking Spectrum’s home page includes a small program to collect information on the screen resolution setting of your PC (e.g. 800 x 600, 1280 x 1024, etc.). This information will be used to adjust Banking Spectrum design standards so the pages we produce will be as readable as possible on your computer display.

Other than the automatic data collection described above, this site collects limited personally identifying information that you provide. Banking Spectrum uses the information we collect for internal system administrative purposes to measure the volume of requests for specific website pages, and to continually improve Banking Spectrum’s website and Gold Book and to be responsive to the needs of users. Your choice to use the Banking Spectrum website or to send electronic mail to Banking Spectrum will be considered your consent for Banking Spectrum to use the information collected therefrom as stated in this notice.

Registered users of The Gold Book provide account information such as your name and email address as well as the name, address and other contact information about the subscribing institution (see below: Information Collected From You).


Intrusion Detection Monitoring
This website and The Gold Book employ software security programs to monitor network traffic to identify unauthorized attempts to access, upload, change information, or otherwise cause damage. Such attempts are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act. Except for authorized law enforcement investigations, no other attempts are made to identify individual users or their usage habits.

Information Collected From You
The only personal information this website obtains about you is information voluntarily provided by you. This website does not collect additional personal information about individual visitors or users from other sources. This means that a person can visit our website and navigate through the site without giving us personal information. To gauge the effectiveness of our website, we may collect non-personal information about our users and visitors, such as Internet server and browser identification, the Internet service provider, clickstream information, the webpage from which a person enters our site, webpages visited, duration of visit and domain type. This information does not reveal a visitor's personal identity.
You may decide to send Banking Spectrum information, including personally identifying information. The information you supply - whether through a secure Web form, a standard Web form, or by sending an electronic mail message - is maintained by Banking Spectrum for the purpose of processing your request or inquiry.

Various employees of Banking Spectrum may see the information you submit. The information will not be shared by Banking Spectrum with third parties.

If you are a registered user of The Gold Book, the information you provide may also be used to send you e-mail notifications about updates to our website or information about other products and services offered by Banking Spectrum.


Notification of Changes in the Privacy Policy
We will review our security measures and Privacy Policy on a periodic basis, and we may modify our policies as Banking Spectrum deems appropriate. We may also change or update our Privacy Policy if we add new services or features and will post these changes in this policy. We encourage you to review our Privacy Policy on a regular basis.