Security and Privacy

B2B Bank is fully committed to keep your personal information secure and confidential.

PROTECTED SECTION – 128-BIT ENCRYPTION NECESSARY
In order to protect the confidentiality of the data exchanges over the Internet, our Web site features a 128-bit encryption system, the safest encoding method available on the market. We encode exchanges to avoid that intruders access the confidential information entered during your session or information we transmitted through our exchanges. The 128-bit encryption is a recognized data codification process which ensures the safety of the information transmission.

To access a banking session activity, you must use an Internet browser equipped with a 128-bit encryption system. Microsoft® Internet Explorer, Apple Safari, Google Chrome and Mozilla Firefox, for example, offer this encoding system. Click on the icon which corresponds to the browser you are using to download the recent version of a browsing software using a 128-bit encryption level.

FOR YOUR SECURITY
Our commitment to maintain a high level of security doesn’t mean you don’t have to take necessary precautions when you are making banking transactions online. Even in a safe environment:

Make sure you never disclose your password: to access the section containing information on your account, you must use a password. We ask you to modify it regularly and to keep it confidential. You should not choose a password that may be easy for others to discover such as your date of birth, telephone number or address, and we suggest that you memorize it.
Make sure you always terminate your online session before stepping away from your computer.
Clear your browser’s cache memory or history to avoid the inadvertent disclosure of your preceding activities to other parties. The procedure used to clear your cache memory varies with the navigation tool, please refer to your browser for more information.
When you enter sections containing personal information on your account, your browser’s security icon should appear. It will be, depending on the type of browser, a key or a small closed padlock. This icon indicates that your session is secured. A broken key or an opened padlock indicates that your session is not secure. Remember: a message sent without a security seal means it could be accessed by an unauthorized individual or organization.

Refer to the Glossary of online security.

SECURITY OF TRANSACTIONS
B2B Bank adheres to the principles adopted by the Canadian Bankers Association with respect to the protection of personal information. In addition, it uses the most secure encryption techniques presently available to ensure the confidential nature of the information it exchanges with you. However, complete confidentiality in the transmission of data is not always possible over the Internet and privacy cannot be ensured. B2B Bank will not be responsible for any damages you may suffer if you transmit confidential or sensitive information to us and that information subsequently becomes public through no fault of ours.

CONFIDENTIALITY OF CLIENT INFORMATION
As previously mentioned, B2B Bank adheres to the principles adopted by the Canadian Bankers Association with respect to the protection of personal information. To ensure that the commitment to client privacy is upheld, we have developed a Code of confidentiality, the main points of which are summarized in our brochure entitled "B2B Bank Code of Confidentiality". This code governs the behaviour of B2B Bank employees with regard to the accuracy, confidentiality and security of all client information.

We are committed to protecting the security, as well as the confidentiality of personal and financial information within the Web server hosting our Web site and our internal computer systems. You will be protected against fraudulent activity resulting from a breach in computer security for which you are not responsible provided that you do your part, which includes, among other things, guarding your password and preventing unauthorized use of your accounts. Your personal and financial information must thus be handled with the utmost discretion. In the following section, you will find the main elements of B2B Bank’s engagement to ensure information confidentiality.

WHY KEEP CONFIDENTIAL INFORMATION IN YOUR FILE?
This information helps us in knowing you better and:

Offer quality services that best suit your needs.
Being in compliance with the law.

We make it our duty to inform you of what we intend to do with your personal information before and while we gather it. We will not verify or complete data from external sources unless we have given you prior notice and gotten your authorization. Note that in some cases, a court, state representative or any other legally authorized individual might request that we submit your personal information without your prior consent.

CAN YOUR CONFIDENTIAL INFORMATION BE DISTRIBUTED TO EXTERNAL PARTIES?
Confidential information kept by B2B Bank will be communicated to other parties only in specific cases. These are:

When you have given your written consent, generally when filling an application for a product;
When legally required. Among others, it might be requests from fiscal authorities or other levels of government. It could also be in other cases, such as medical emergencies;
When our institutions’ interests require it, for example when we must take legal action to collect an amount due;
When public interest requires it, to help in preventing fraud or crime or to help in resolving criminal investigations.