We are committed to protecting you and your personal information from fraud, when you use Lloyds TSB Private Banking’s online banking service, which we will refer to as the ‘service’ from here on.
We apply industry standard levels of security. We guarantee to refund your money in the unlikely event you experience fraud with our Private Access internet banking service. However, it is expected that you will take reasonable steps to keep your security information secret at all times. Your failure to do so will constitute a breach of terms.
We recommend you read and take note of the information below carefully:
• The security of our service
• How to use our service securely
• PC security
• Common internet banking fraud and how to protect yourself from it
We protect your wealth and your personal data
Keeping our service secure
- As soon as you log in to our service you are in a secure session shown by the padlock symbol in the bottom right hand corner of your web browser .Your web browser's session with our web server is encrypted and thus data exchanged between the two computers is scrambled, making it unreadable by anyone else.
- When you successfully log in to our service, the first displayed page will contain the day, date and time of your last successful login to our web server; this is a security feature. If the day, date and time of the last successful login are not those of your last use of our service then someone else, may have accessed your account(s). In this case, check your account(s) carefully and call your Relationship Manager.
- You will be automatically logged out of the service if no activity is detected for 10 minutes. This is to ensure that, if you have left your PC unattended or have forgotten to log out, the opportunity for anyone else to access your accounts is reduced. However, to eliminate this risk, make sure that you never leave your PC unattended while logged in, and always remember to log off and exit the web browser when you have finished your banking session.
- When you log in to our service, after entering your User ID and Password, you will be asked for three random characters from the memorable information provided when you registered. You will select these using three separate drop down lists. This form of data capture prevents any viruses designed to capture keystrokes, from obtaining details of your memorable information. It’s vital that you do not share your user ID, password or memorable information with anyone, as doing so will compromise your own security and will be a breach of the terms and conditions of our service.
- If you make a number of incorrect attempts to log in to our service, as a security measure, we will disable your access to the service. To reactivate your access you will need to click on the Forgotten Password link on the login page; then follow the on screen instructions.
Using our service securely
We have taken precaution to ensure that our service is safe and secure. However, you can also help preventing intruders accessing your accounts:
- Choose strong passwords and memorable information and change them regularly.
- When choosing a password, please use a combination of letters and numbers which will make your passwords stronger.
- Never tell anyone your password or memorable information.
- Do not write down or store your password or memorable information on your computer.
- If you suspect that someone may know your password or memorable information you should log in to your account and change it immediately.
- If you suspect that the security of any of your Lloyds TSB Private Banking accounts has been compromised in any way, please contact your Relationship Manager immediately.
Making sure your computer is secure
We recommend that you take precaution to ensure that your computer is secure at all times. You can do this by:
- Making sure your computer operating system (e.g. Windows XP) and browser (e.g. Firefox) are up to date.
- Using a personal firewall software such as McAfee, Symantec or Zone Alarm to prevent unauthorised access to your computer while you are online.
Common internet banking fraud
Internet banking is a safe, secure way of managing your money. However, you should protect yourself against potential scams and fraud including:
Emails that ask for your internet banking login details
If you receive an email that appears to be from Lloyds TSB Private Banking, or any Lloyds Banking Group company, that asks you to confirm information such as your internet banking user ID, password or memorable information, ignore it, as we would never request information from you by e-mail. Clicking on anything within these emails will confirm your email address and may put you at risk of fraudulent activity. If you have mistakenly clicked on a link in one of these emails, or divulged any of your information as a result of receiving one, please contact your Relationship Manager immediately.
Spoof website and email scams – phishing
Fraudsters often create authentic visuals but false websites to lure you into entering personal information such as user IDs, passwords or memorable information, which they then use to access your bank, or other online accounts.
Some frequently asked security questions
What is Secure Socket Layer (SSL)?
SSL is an industry standard security technology used to establish an encrypted link between a web server and a browser. The link ensures that all data transmitted between the two remains secure and private. You can tell when you are entering a secure website or specific page as the address starts with https instead of http, and, when connected, you will see a padlock icon, like this , at the bottom right hand corner of the browser window.
What is encryption and decryption?
Encryption is a method of securing data that is being sent. It scrambles the data so that it can only be read by someone who has the right encryption key to unscramble it. Decryption is the process of unscrambling data. When you send a private message via Private Access internet banking, it will be encrypted making it unreadable to anyone attempting to intercept it. On arrival it will be decrypted by our servers so that your Relationship Manager can read and act upon it.
What is a certificate?
Certificates are how to tell if a site you are visiting is secure. A certificate has to exist on your web browser and on the site’s web server to be able to establish a secure (SSL) connection.
What is a cookie?
A cookie is a small text file that a website sends to your computer’s hard disk so that it can store information about you for the next time you visit the site. Typically a cookie records your preferences when using a particular site.
NEW USER REGISTRATION
For security reasons if you have forgotten your User ID, Password or Memorable Information, please call your Relationship Manager.