SolidTrust Pay

Security

Information security is one of our highest priorities. We use state-of-the-art software and other technologies to prevent unauthorized users from accessing our systems, especially those accessible from the Internet. Some of the measures we take are very apparent – encryption of sensitive data, password protections, etc. Some protocols, although less obvious, are equally effective. For example, if your User ID and password are entered on a page that does not use the https protocol, that data is encrypted when you submit it. Once you click the “LOGIN” button, we secure the connection to our servers using SSL technology, then transmit your User ID and Password. Once received, this information is transported within our systems via an encrypted network.

Following are descriptions of some of the layers of technology we employ to help ensure the confidentiality of your transactions:

Corporate Grade Anti-Virus and FireWalls
Browser Encryption
Username and Password
Network Security and Monitoring

Corporate Grade Anti-Virus and FireWalls
All our systems are monitored by against intrusion by McAfee/HackerSafe daily as well as our own customized firewall configurations. We HIGHLY recommend that ALL users accept responsibility for online viruses, trojans, malware, etc. by ensuring they keep their anti-virus products up to date and by scanning their systems daily.

Browser Enryption
We require the use of up to 256-bit secure browsers to login to your account and perform transactions. Netscape Navigator®, Mozilla Firefox®, Google Chrome® Safari® and Microsoft® Internet Explorer are all secure browsers. If you are not using one of these browsers, or feel your browser does not meet the security requirements of SolidTrust Pay, upgrade your browser to its most recent version.

Remember that once you've downloaded the proper browser, you must install it on your computer. Follow the browser manufacturer's instructions that appear on your screen.

Secure browsers employ secure sockets layer (SSL) technology to communicate with servers. This technology encrypts—or scrambles—the communication (ie. your account information) so it's virtually impossible for anyone other than or it’s affiliates to read it.

What is SSL?
SSL is a protocol designed by Netscape Communications Corporation to provide secure communications on the Internet. SSL does three things:

SSL authenticates that the server you have connected to is the one it purports to be. You can be assured that you are actually communicating with the bank, and not a third party trying to intercept the transaction.

SSL creates a secure communication channel by encrypting all communication between the user and the server.

SSL conducts a cryptographic word count to ensure data integrity between the server and the user. The word count or checksum provides a count of the number of bytes in a document and ensures the exact number of bytes is transmitted and received. With SSL, even this checksum is encrypted so it cannot be modified. If a message is not received in its entirety, it is rejected and another copy of the message is sent automatically.

How can I tell when my connection is secure?
The padlock or key icon on your browser, indicating a secure connection, should appear locked or connected AFTER you have successfully logged in to the website. The padlock icon may not appear locked on screens where you are not logged on and where we display general information about the site. However, you can be certain that any screen which displays or requests information about your account, username, password, application, or any other sensitive information is encrypted.

Username and Password
To access account information, you must provide a username and a password to enter the secure area of the site. Your password is not displayed when entered. If you do not provide this information, we cannot establish an online service for you.

How I can protect myself?

Don't share your password
Never reveal your password to anyone. Never write it down where anyone can find it or figure out what it is. Change your password often, and be sure that you do not use common words that can be found in a dictionary, or numbers in a series. Try using birthdays combined with pet names, or sports teams combined with a birthday for example. Never access the site from a computer that an untrusted individual may have access to.

Treat your online username and password with care. In addition, you should make sure that no one is physically watching as you enter your password. Also take standard precautions to keep your computer free from viruses.

Log Out
Please use our "Log Out" feature if you are going to be away from your computer for an extended period of time. Logout will end your session, and you will have to submit your username and password before entering the website again. We strongly recommend shutting down your browser as a good way to prevent others from using your access.

After a period of inactivity your current session on the website will automatically timeout. To restart your session, re-enter your username and password at the log in screen.

IP/Browser Detection
Our servers continually check your IP and browser once logged in against that of your last successful login. If we detect a change in IP and/or browser, a security page will be displayed. You are presented with your Secret Question. If answered incorrectly, an email will be sent to the account's primary email address with a security access link. This security link must be clicked before you can access your account. Our IP/Browser detection prevents unauthorized logins and is by default enabled on every SolidTrust Pay account. Some settings can be enabled/disabled at any time such as only allow a partial IP check, only allow all browser checks, etc.

Network Security and Monitoring
Firewalls are used to shield our systems and proprietary networks from any unauthorized Internet traffic. The purpose of a firewall is to ensure only authorized traffic is allowed to pass to our systems and networks—all other traffic from the Internet is rejected. Firewalls also create logs of network traffic that allow for centralized auditing and security monitoring. Once your information has been entered, we use an encrypted network to transport data between all our systems and our partner systems to make online payments secure and to protect your personal information. Ensuring the security of your financial transactions is an ongoing process at . As such, we employ around the clock security monitoring of our systems and networks.

E-Mail
Inquiries sent through our website pages use secure socket layer ("SSL"). Since our e-mail response back to you is not secure, we will not include confidential account information in the response, nor will we ask for your account information, unless expressly requested by you. You may also contact us by phone, support ticket or postal mail.

SolidTrust Pay TrustCard
The STPay TrustCard is a unique anti-identity/bank account/credit card theft product exclusive to SolidTrust! Purchase of a TrustCard is highly recommended for members wishing to use their bank account and credit/debit cards as these types of transactions are the most prone to on and offline theft and abuse! PROTECT YOURSELF with the STPay TrustCard.

SECURITY DEFINITIONS

Encryption: A method of scrambling information while it moves from one source to another to prevent others from reading it.

Online Security: SolidTrust Pay makes certain security recommendations to help protect your account.

Online Purchasing: Buying goods or services over the Internet.

Secure Browser: An Internet browser that has SSL encryption version 3.0 or higher to conduct secure financial transactions over the Internet. To download the most secure versions, visit the respective browser website as mentioned above.

Secure Socket Layer (SSL): A form of encryption that protects information being transmitted over the Internet to prevent tampering while it's in transit.

Secure Transaction: A transaction that is protected from outside tampering.

Firewall: Firewalls are used to shield our network from the Internet.

Cookies: A "cookie" is a small text file placed on your hard drive by our web page server. Cookies are commonly used on websites and do not harm your system.

These are references to third party sites. Note that the third party's privacy policy and security practices may differ from SolidTrust Pay's standards. SolidTrust Pay assumes no responsibility nor does it control, endorse, or guarantee any aspect of your use of the linked site.