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Welcome to the Anova Financial Corp. (the "ANOVA") Website. Access to the public
section of the ANOVA Website ("Public Site") is governed by these Terms and Conditions
of Use. By accessing the Public Site you agree to be bound by these Terms and Conditions
of Use. Your use of the ANOVA Website is governed by the version of the Terms and
Conditions of Use in effect on the date the ANOVA Website is accessed by you. Access
to the members-only section of the ANOVA Website ("Members-Only Site") is limited
to authorized employees of all entities that have entered into Written Agreements
with ANOVA and is governed by the applicable Written Agreement and the Terms and
Conditions of Use for the Members-Only Site. You may not obtain or attempt to obtain
unauthorized access to the Members-Only Site or any other protected materials or
information through any means not intentionally made available by the Network for
your specific use.
- Authorization to Use. You may access and use the Public Site, at
your sole risk and responsibility and in compliance with applicable law, only to
gain information about the possibility of using services described on the Public
Site ("Authorized Purposes"). For Authorized Purposes, you may (a) display the Public
Site on a web browser, (b) print pages of the Public Site from a web browser, and
(c) forward links to or pages from the Public Site, electronically or in hard copy,
to persons within your organization or other persons with whom you have a personal
or business relationship if you believe such persons may be interested in the information,
so long as you make such persons aware that you are the person who has forwarded
the information and so long as you do not remove, conceal, or alter any copyright
notice, byline information, disclaimer, restriction, or other notice. ANOVA may
terminate your access to the ANOVA Website for any reason, without prior notice.
- Limits on Use. The ANOVA Website is protected by copyright and
other laws and, except as expressly authorized by Section 1, you may not copy, display,
print, or distribute all or any part of the Public Site or any other section of
the ANOVA Website, and in no event may you broadcast, decompile, disassemble, perform,
publish, rent, reproduce, reverse engineer, sell, transmit, or create derivative
works from all or any part of the Website or permit any person to perform any act
relating to the ANOVA Website not authorized by Section 1. As between ANOVA and
you or your employer, ANOVA solely owns and shall continue solely to own all right,
title, and interest, including all intellectual property rights, in and to the ANOVA
Website. You may not use the ANOVA Website in any manner (i) that could damage or
overburden our server(s) or any network connected to any of our servers or (ii)
that would or does interfere with another party's use of the ANOVA Website.
- Privacy. Your use of the ANOVA Website may be monitored by or on
behalf of ANOVA to protect security, confidentiality, intellectual property, or
other rights or business interests of ANOVA. Without limiting the foregoing, ANOVA
reserves the right to collect and use for any lawful purpose any data you enter,
aggregate data derived from such data, and usage patterns such as click streams.
ANOVA intends to use commercially reasonable efforts to follow the Privacy Policy
posted or to be posted on the Public Site, as such Privacy Policy may be changed
from time to time at the sole discretion of ANOVA. Notwithstanding the foregoing,
ANOVA will not bear any responsibility or liability for any information submitted
to ANOVA or for the use or misuse of any information submitted by you or any other
person.
- Password Protection. Passwords are the key to your online account
information. A secure password is one that is easy for you to remember, but difficult
for anybody else to guess or figure out. Avoid using the same password for different
systems that are important to you. Doing so compromises your security and puts your
money at risk should anyone discover this single password. For this reason, you
are strongly advised to have a unique password for any services as critical as your
Internet banking.
At ANOVA we ask you to create an alphanumeric password that is 8-24 characters long.
When choosing a suitable password, you might consider the following:
Be different – Avoid using the same password for different services.
Don’t be personal – Do not be tempted to use passwords that can be easily guessed,
e.g. your dogs name, your mother’s maiden name, birth dates, or telephone numbers.
Never write them down – We strongly recommend that you never write down or otherwise
record your passwords. If, however, you feel that you have no alternative but to
do so, you should ensure that you never write down or otherwise record your passwords
in a way that can be understood by somebody else.
In any event, you should never disclose your Internet login details anywhere online
except at your usual online banking website which should be accessed in the normal
way and never via a link in an email.
- Safeguard Your Account Numbers. Read these important tips:
- Report lost or stolen checks, cards, deposit tickets or statements immediately by
contacting the issuing financial institutions, even if they are old checks.
- Request to receive your statements electronically, but only if the institution can
provide them to you securely.
- Store new and cancelled checks in a secure place.
- Purchase checks from your bank's suggested vendor instead of an unknown vendor that
may not be reputable.
- Shred unnecessary financial documents; don't just throw them away.
- Avoid writing your account number on envelopes or other items that may be thrown
away later.
- Register your credit cards and ATM or debit cards with a liability protection service.
- Review your statements - you must watch your accounts diligently to detect and prevent
fraud. Look for transactions with strange payees or amounts you do not recognize.
The more frequently you review your statements, the easier it will be to detect
suspicious transactions.
- Review your account statements on a regular basis, and using online or phone balance
and transaction review features, are the best ways to watch for fraudulent activity
on all of your financial accounts.
- Balancing your accounts against your monthly statements will help you notice any
discrepancies that could indicate fraudulent activity.
- Report any suspicious activity and unauthorized transactions on your accounts to
your financial institution immediately.
- Keep user details and identity secure
Identity theft is the act of stealing or using an individual's personal information
without their knowledge or consent, for example, to illegally make purchases, or
to gain access to funds.
Reduce risks and protect information in all financial dealings, whether over the
Internet or during your normal banking activities, by following these tips:
- Beware of online fraud
Be aware that there are phoney web sites designed to trick users into providing
their personal information. Sometimes links to such web sites are contained in email
messages purporting to come from financial institutions. Try whenever possible to
use a known web address, or use a Favorite, to access bank pages as the “embedded
link” can easily take a user somewhere else. Confirm the security code when you
do access a website.
- Change passwords
Always tell users to immediately change passwords that may have been compromised.
- Contact the bank if you think that Internet banking passwords have been compromised
- Password protect your computer/network
Use passwords on computers to prevent unauthorized individuals from accessing company
information. If you are unsure how to do this, you may need to refer to your PC
support provider.
- Disable the 'AutoComplete' function within your browser(s)
This helps prevent others from seeing any sensitive information. On Internet Explorer,
for example, the ‘AutoComplete' function remembers data that has been input, sometimes
including passwords. Typically, the browser's Help function will provide guidance
on how to disable the 'Autocomplete' function.
- Buy online from well known companies – and only provide bank information during
secure sessions.
- Make sure you have the latest security updates & patches.
From time to time, vulnerabilities are discovered in programs running on your PC.
The publisher will then release a “patch” to correct this weakness. These weaknesses
are regularly exploited by virus writers and hackers to gain unauthorized access
to those PC’s that have not been patched.
To check for patches and updates you should visit the publisher’s website, typically
in their Download section.
Microsoft users can visit: http://windowsupdate.microsoft.com which can automatically
check what is required for both operating system and browser and then download it
at your request.
- Install anti-virus software
You may already be using anti-virus software but to be effective, the software should
be updated on a regular basis with the latest virus definition files. If you are
unsure how to do this, you should refer to the program's Help function.
There are many effective programs to choose from, but the most common commercial
products include McAfee, Symantec (Norton) and Sophos.
It is also possible to obtain free anti-virus protection. A search for “free anti-virus”
on Google will provide a list of the most popular ones.
- Use personal firewalls
A personal firewall is another small program that helps protect your computer and
its contents from outsiders on the Internet. When installed, it stops unauthorized
traffic to and from your PC.
There are many effective programs to choose from. Common commercial examples include
Zone Labs, McAfee and Computer Associates.
- Use an anti-spyware program
Spyware is the term used to describe programs that run on your computer for the
purpose of monitoring and recording the way in which you browse the web and the
internet sites you visit. For example, spyware can combine information about your
online behavior with that of many other users in order to generate market research
data. This information can be bought and sold by companies interested in improving
the way websites are designed and how the internet is used.
You may or may not wish for your internet usage to be monitored in this way. In
addition, just as spyware can be used to improve the online experience it can also
be used to extract personal information that you have entered, including passwords,
telephone numbers, credit card numbers and identity card numbers.
Spyware is often loaded onto a PC as part of a free download of another service
- for example a service that claims to improve the performance of your PC. Sometimes
your agreement to the download is requested in the small print, but spyware may
also be loaded onto your PC without your agreement or knowledge.
Spyware is not the same as a virus in that it only records what you do rather than
altering how your machine works. Because of this, anti-virus software is not effective
in identifying and removing spyware; you will need to download and run a specialized
anti-spyware program.
Anti-spyware security software currently available include McAfee, Spybot Search
and Destroy, AdAware, Spyware Eliminator, Spyware Doctor and Microsoft antispyware.
We strongly recommend that you install and use a reputable anti-spyware product
to protect yourself against spyware on your PC.
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