Online Services - Security Overview
Personal Information and the Website
Emotomy does not share personal information you provide us to our websites (such as email addresses) with unaffiliated third parties for their marketing use.
Emotomy requires that you use an SSL (Secure Sockets Layer) compliant browser. SSL is a protocol that allows your personal computer to establish a secure connection to our Internet servers. We require 128-bit SSL encryption. SSL uses encryption techniques that turn all information transmitted into a series of unrecognizable characters as the information travels through the Internet. Our servers turn these characters into recognizable information after the secure connection has been made. SSL also utilizes the additional protection of digitally signed certificates that assure you are communicating with Emotomy. Look for the small padlock icon located in the lower right corner of your Web browser window. A closed or locked padlock indicates a secure connection. Look for "https://" at the beginning of the website address or URL in your Web browser. The "s" means the page has a secure connection.
Emotomy's online services utilize cookies. Cookies are small pieces of information that are sent from Emotomy to your browser. The cookie stores information used to safeguard your session and assist with your navigation through Emotomy. You must set your browser to allow cookies to use Emotomy's online services. Emotomy uses session cookies rather than persistent cookies. Session cookies are not saved at the end of a session and do not store personal information that other programs can access. We may collect information about your online activity on our websites, such as content viewed and pages visited. However, we do not share that information with third parties for their marketing use. We use the information ourselves to help improve our websites.
We may use information regarding the location of your computer or device to protect the security of your account information and our systems. We may also use this information to help improve our services. We will only use your location information to provide you with marketing if you specifically authorize us to do so.
Establishing a Session with the Server
When you log in to Emotomy from any Emotomy.com Web page, your User ID and password are transmitted to us in 128-bit encrypted form. This occurs even though information on the Emotomy.com Web pages is sent to you in an unencrypted form prior to your logging into Emotomy.
The first time you sign on to Emotomy.com, you are required to set your User ID and password. We also recommend that you change your password often. As additional security precautions, after 15 minutes of inactivity you are required to re-enter your password and a limit is placed on the number of invalid sign on attempts. Three consecutive logon failures will result in suspension of your User ID requiring you to contact Emotomy Client Support for assistance.
After you have entered your User ID and Password, we will authenticate your sign on information and pass your request to the Emotomy server. This server is protected by firewall technology. The firewall allows only approved client requests to access the server and protects the server against intrusion. Both the firewall and the server are in physically protected locations. All activity on both platforms is logged and monitored to ensure that no attempts have been made to breach security.
After your request is processed by the Emotomy server, the information is encrypted and returned via the Internet to your personal computer.
Enhanced Security Frequently Asked Questions
How does Emotomy's enhanced security work?
At random intervals all Emotomy's clients will be required to select and answer a series of personal challenge questions, which we may use at a future date. You may be asked these questions to help authenticate your identity. We will ask challenge questions if you access Emotomy's server using a different computer than usual or if the computer you usually use has significantly changed (such as changing to a new operating system or using a different browser).
Why do I need this level of online security?
Emotomy is continually seeking ways to help improve the security of our online services. As consumer activity over the Internet continues to increase, so have concerns over online account security. The prevalence of phishing, pharming, spoofing, malware, and other identity theft/fraud activities have all been motivating factors in our online security efforts.
How is the new logon process more secure?
Previously, clients could access their accounts information online by providing a User ID and Password. We have now improved security by occasionally requiring you to answer personal challenge questions to avoid having account access temporarily suspended.
How does Emotomy's enhanced security protect me from "phishing" attacks?
If you mistakenly provide a third party with your ID and password, our security application is designed to deny access to the third party. For example, when a fraudster attempts to access your account, our security application will most likely not associate that individual's login pattern of behavior or computer equipment with your User ID - and your challenge questions will be asked. Given that the fraudster should not be able to answer the questions, access will be denied.
Why do I need to answer security challenge questions?
The challenge questions and your responses will allow us to provide an incremental layer of online security. If you access your account in a materially different way than previous logins, we may present challenge questions that must be answered to gain access to your account. Additionally these questions may be used to authenticate your identity when calling into our Help Center.
Why am I being asked challenge questions when I log on from my personal computer?
If you make changes to your personal computer by switching the browser you use or change the operating system of your computer, we may present questions to identify you.
The following tips will enhance your secure access to Emotomy's online services:
- Always keep your User ID and Password confidential. Emotomy requires the use of alpha numeric User IDs and passwords. We strongly recommend that you do not create a User ID and/or Password that contains easily identifiable groups of characters such as an account number or name preceded or followed by just one alpha/numeric character.
- Never leave your computer unattended while using Emotomy's online services.
- Always properly exit the system by clicking on the "Sign Off" button located on each page upon completing use of Emotomy's online services.
- Close your browser when you are finished using Emotomy's online services so that others cannot see your account information.
- Always use virus protection software and update it regularly. Do not allow a virus to remain on your computer while accessing Emotomy's server.
- We look forward to continuing to serve your financial services needs now and in the future.