finatiQ.com is strongly committed to protecting the security and confidentiality of your personal information so as to provide you with a safe and secure online environment. The finatiQ website uses proven security hardware and software products. These security products include routers, firewalls, intrusion detection systems and secure operating system to safeguard your interest:
Secure Socket Layer. Industry standard Secure Socket Layer (SSL) communication protocol is the de facto cryptographic standard that we use for securing data communication between the browser and our website.
Digital Certificates. Digital certificate technology is used to ensure transaction privacy, message integrity and server-side authentication. This also serves as an assurance that the website runs legitimately under the care of finatiQ. We employ advanced and additional technical security features such as: Verisign Digital Certificates, 128-bit encryption, one-way hashing of all user passwords and automatic logoff after a pre-set time period
Hardware Security Discipline. At finatiQ, all connections must pass through at least one router and one firewall to gain access to the server. The firewall checks for the appropriate source address and restricts unauthorised access to the appropriate server.
Additional Internal and External Audits. finatiQ is regularly reviewed and audited by external and internal auditors to ensure that your interest is safeguarded.
WHAT YOU CAN DO TO PROTECT YOUR ONLINE SECURITY
Apart from the comprehensive security measures listed above, you play an equally important role in ensuring your online security and account information is not compromised.
Recommended practices in protecting the security of your system:
Do not share your user ID or password with anyone.
Do not display your account information in a manner that is visible to others and your PC should never be left unattended. For your protection, finatiQ will automatically terminate your session if there is no activity for a period of time.
Always use the recommended browser. All browsers and application software should be upgraded to support SSL 128-bit encryption.
Always check that our website address changes from http:// to https:// and a security icon, usually in the form of a lock or key, appears when authentication and encryption is expected.
CUSTOMER SERVICE AND QUERIES
If you have any queries, problem, grievance, dispute or claim relating to or arising out of the use of finatiQ's Internet Banking Service, you may contact us through:
PHONE: Customer Service Officers on 1800 438 3883. (8.00am to 10.00pm, 7 days a week)
EMAIL: clientservice@finatiq.com (Next Business Day response)
Dispute Resolution
We are committed to providing you quality service. We will promptly attend to any claim or dispute which you may have in respect of or arising out of finatiQ's Internet Banking Service. Without prejudice in any way to either party's right to take immediate steps to seek urgent relief before a Singapore court or the right to seek legal redress, we will immediately investigate any claim/dispute brought to our attention and will attempt to revert to you within seven (7) working days from the date of receipt of notification. Soon thereafter, we will consult you in good faith with a view to reaching a quick and amicable resolution of the matter, satisfactory to both parties.
Unavailability of Internet Banking
In the event that finatiQ's Internet Banking Service is unavailable, you are encouraged to perform your transactions by visiting our branch at 63 Chulia Street #08-00 OCBC Centre East Singapore 049514 during business hours.
SAFEGUARDING YOUR INTERNET BANKING ACCESS
At finatiQ, we have implemented measures to safeguard your account(s) information. However, to ensure that your online security and account(s) information is not compromised, we recommend that you adopt the following Internet Banking security guidelines:
1. Before entering your User ID and PIN, you should always ensure that the website you are visiting belongs to finatiQ. This can be verified by the URL displayed in your browser as well as our name in its digital certificate. This precaution will ensure that you are not revealing your finatiQ User ID and Password to a website other than finatiQ.
2. It is important to protect yourself against any forms of online theft of your User ID/Password. Each valid User ID/Password identify you uniquely as one of our valued customers. Only authorised users are allowed to log in to our secure website(s).
Important tips on how you can safeguard and protect your pin:
Do not choose a Password that is easily identifiable such as your User ID, telephone number, identification number, birth date etc.
Your password should be alpha-numeric (at least 1 number or 1 alphabet)
Minimum 6 characters and not more than 9 characters.
Password is case-sensitive.
Do not reveal your Password to anyone.
Do not write your Password or use it where someone can see it.
Change your Password regularly. You can change your Password anytime you like by using the “Change of Password” service. finatiQ will automatically request that you change the password every 180 days.
Do not use the same digit more than twice or recycle your Password.
Dispose of your User ID/Password after memorising it.
Change your User ID/Password immediately if you suspect it has been exposed to others or the moment you suspect any unauthorised access.
Once your User ID/Password become invalid or cease to have effect, you should inform us immediately by calling our Customer Service Hotlines for their respective services.
Note: No staff or agent of the Bank should ever ask you for your Password for whatever reason.
3. It is important to log out of each Internet Banking session, even if it is for a short while. This will prevent any transactions from being performed without your authorisation.
4. To ensure that you enjoy the highest level of security possible, all browsers and application software should be upgraded to support SSL 128-bit encryption or a higher encryption standard with the most updated security features available.
5. You are encouraged not to save your User ID or PIN by using the “Auto Complete” function of your browser. This function stores and lists possible matches from entries that you have typed previously.
6. You are encouraged to delete junk or chain emails. Do not open email attachments from strangers.
7. We strongly advise against conducting your Internet Banking transactions on shared or public PCs. This will increase your risk exposure to malicious programs or viruses.
8. Make regular backups of critical data.
9. You should clear your browser's cache and history after each session so that your account information is removed.
10. You should remove file and printer sharing in your PC, especially if you have Internet access via cable modems, broadband connections or similar set-ups.
11. You should also exercise precaution against viruses or other programmes such as Trojan Horse that can capture your password keystrokes and other personal information. Such captured data can be sent to another party without prior consent. To avoid getting infected, we recommend that you (1) equip your Personal Computer with the latest virus detection software so as to protect yourself against any virus attacks and other malicious attacks, (2) update the anti-virus and firewall products with security patches or newer versions on a regular basis, (3) avoid downloading any files from websites and people you are not sure about, (4) avoid using programs that allow you to automatically get or preview files and (5) and install a personal firewall to protect against hackers, virus attacks or Trojan Horse programs.
12. You should check your account and transaction history regularly to ensure that all details are updated and that there are no unauthorised transactions on your account(s).
13. You should consider the use of encryption technology to protect highly sensitive data.
14. If you notice any unusual/unauthorised transactions, please change your Password and notify us immediately. It is important that you inform us immediately by calling our Customer Service Hotlines at 1800 438 3883 between 8am to 12midnight.
15. Your usage of finatiQ's Internet Banking is subject at all times to the Policies – Access Terms & Conditions. (http://www.finatiQ.com/aboutfinatiQ/AccessTandC.shtm). You should therefore read carefully and adhere to the recommended security practices. finatiQ is not responsible for any loss or damage in connection to the use of finatiQ's Internet Banking services unless such loss is attributable to our negligence or wilful default.
16. As a user of finatiQ's Internet Banking, you have the right to (1) suspend your Internet Banking Access immediately should you suspect any unusual activity and/or unauthorised access, (2) terminate this service, (3) request for a new set of finatiQ's Internet Banking Password and (4) obtain information from finatiQ regarding your online transactions.
Security Tips on Email and Other New Threats With the Email emerging as an increasingly important communication tool, it is critical to take precautionary measures against cyber frauds.
Be wary of:-
any false e-mail address, logo or graphic designed to mislead you into accepting the validity of any email or website;
any fake domain name which appears to be the Bank's website or the website of any other financial institution;
any hyperlink to any fake website;
any embedded form in any email; or
or any other technique or method designed to mislead you or trick you into providing personal details, such as your Internet Banking user name or password, or any other sensitive information or downloading a virus
Never access finatiQ Investment Account from a link in an email.
Always enter the domain name of the Bank (ie. <www.finatiQ.com>) into your browser when logging onto the Bank's website. You are advised to take the necessary precautions and not to accept any websites at face value that redirects the link to Bank of Singapore Limited. There may be exceptions to some Institutions in Singapore such as IRAS (Inland Revenue Authority of Singapore), CPF (Central Provident Fund) Board, and NETS (Network of Electronic Transfers Singapore). If you are in doubt, please contact the bank at 1800 - 438 3883.
Never reveal your PIN to anyone. The Bank will never request for your Internet Banking, Phone Banking or ATM PINs for any reason.
You should personally enter the domain name of the Bank into your browser when logging onto the Bank's website. You should not accept links or redirections from websites (other than the websites of the Bank of Singapore Limited) or media for the purpose of logging onto the Bank's website.
Be assured that the Bank will never request for any confidential information, including your Internet Banking user names or passwords, via a non-secured email.
Be aware of Phishing. Phishing is the term coined by hackers who imitate legitimate companies in e-mails to entice people to share passwords or credit-card numbers. Before entering your User ID and PIN, you should always ensure that the website you are visiting belongs to Bank of Singapore Limited. This can be verified by the URL displayed in your browser as well as the Bank's name in its digital certificate. This precaution will ensure that you are not revealing your Bank of Singapore Limited Internet Banking Access Code and PIN to a website other than Bank of Singapore Limited. Always check that our website address changes from http:// to https:// and a security icon, usually in the form of a lock or key, appears when authentication and encryption is expected.
Double click on the "Padlock" or "Key" and a new window will pop-out. This Certificate will ensure the authenticity of the website.
You are encouraged to delete junk mail, chain mail or any other unsolicited email. Do not open email attachments from strangers.
If you discover or believe that there are fraudulent e-mails, fake websites or other scams directed at you or any other customer of the Bank, please notify the Bank immediately at 1800-438-3883.
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