For the purposes herein, all words and expressions shall have the same meaning as in the Terms and Conditions for Internet Banking , except where otherwise expressly stated.

The Bank aims to maintain strict procedures and standards and take all reasonable care to prevent unauthorised access to your personal information, and to protect the security of your personal information during transmission. The Bank constantly monitors developments in security and encryption technology and will review and update its processes in line with industry standards.

The Bank has taken several security initiatives such as deploying technological hardware and software, policies and procedures, and addressing operational security issues.

The AmBank Service is secured with a digital certificate to enable safe communications with our customers. Such a feature ensures message privacy, web site authentication, and message integrity. You will be able to verify the website identity by clicking on the closed padlock icon located at the bottom of your browser window.

To secure the information transmitted between your personal computer and the AmBank Service, you will need Microsoft Internet Explorer 5.0 or higher or Netscape Communicator or Navigator 4.7 or higher with 128-bit encryption. Encryption is a mechanism of transmitting data in a secure way, where the data is encrypted using a key (this key is provided by a Certificate Authority (CA)).

To protect the privacy of your information, you are advised to remove the cache information using the steps provided below.

The Bank will not use or disclose information collected about you, including information collected using cookies, other than for the purpose made known to you, a purpose you would reasonably expect, a purpose required, authorised or permitted by or under law, or a purpose otherwise authorised by you.

You agree that the Bank shall not disclose your personal information unless the following circumstances apply:

	Authentication Your ATM card number, Web Pin and identification number will be used to authenticate you for the AmBank Online Banking Service during the enrolment process. Your Login ID and Password will be used to authenticate you for the AmBank Online Banking Service during subsequent logins. To ensure the integrity of your Login ID and Password, the Bank advises you to periodically change your Password and under no circumstances should you reveal your Password to anyone. You should not disclose your Password to the Bank's personnel even if requested to do so. When selecting a Password, do not associate your selected Password with anything personal such as names, birth dates, phone numbers or other familiar words.
	Account Locking Attempts to impersonate valid users are locked by the Bank's system after five (5) incorrect sign-on attempts.
	Automatic Log Out If there is inactivity of three (3) minutes during your AmBank Online Banking session, the Bank's system will automatically log you out of the system. You are then required to re-login.

Data Security & Confidentiality
The Bank, in its goal to protect the privacy and security of your information, has implemented the following security features:

	Personal Identification Number Verification
	Login ID and Password Verification
	Encryption of Passwords
	Firewalls & Intrusion Detection Systems
	Anti-Virus Application
	Internal Policies & Guidelines
	Periodic Penetration Testing
	Server side Authentication through Digital Certificates

The AmBank Service is designed to give you control over your financial information. The Bank uses the industry standard security measures available through your browser that is known as Secure Socket Layer (SSL) encryption. To ensure that your financial information is kept secure, the Bank stores it on a data repository in a secured data centre.