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:
  
  1. Report lost or stolen checks, cards, deposit tickets or statements immediately by contacting the issuing financial institutions, even if they are old checks.
  2. Request to receive your statements electronically, but only if the institution can provide them to you securely.
  3. Store new and cancelled checks in a secure place.
  4. Purchase checks from your bank's suggested vendor instead of an unknown vendor that may not be reputable.
  5. Shred unnecessary financial documents; don't just throw them away.
  6. Avoid writing your account number on envelopes or other items that may be thrown away later.
  7. Register your credit cards and ATM or debit cards with a liability protection service.
  8. 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.
  9. 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.
  10. Balancing your accounts against your monthly statements will help you notice any discrepancies that could indicate fraudulent activity.
  11. 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:
  
  
  1. 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.
  2. Change passwords
     
     Always tell users to immediately change passwords that may have been compromised.
  3. Contact the bank if you think that Internet banking passwords have been compromised
  4. 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.
  5. 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.
  6. Buy online from well known companies – and only provide bank information during secure sessions.
  7. 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.
  8. 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.
  9. 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.
  10. 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.