Frequently Asked Questions |
Security
and Privacy
How
does BMO InvestorLine protect my online financial transactions and
personal information?
What happens if there are unauthorized transactions in my account(s)?
How
do I know if my web browser supports 128-bit encryption?
Are
there other steps that I should take to protect my account?
What do I need to consider when choosing a password?
Is
email communication secure?
What is a digital certificate?
What is a firewall?
What is a personal firewall?
How do I disable file sharing in Windows products?
How does
BMO InvestorLine protect my online financial transactions and personal
information?
Among the several features that we have introduced to assist you
in protecting your personal and financial information, our web
site supports Internet Explorer browsers, version 5.5
or higher, and Netscape browsers, version 7.0 or higher that use
128-bit encryption.
Encryption
is a means of scrambling information for transmission, in this case,
between your PC and the Bank's computing systems. Information that
is encrypted at one end is decrypted (decoded) upon receipt at the
other end.
128-bit encryption is the strongest, most secure form of encryption
that is generally available in Internet browsers on the market
in North America today. BMO Financial Group and BMO InvestorLine
require that our clients use 128-bit encryption when conducting
financial transactions over the Internet. We also recommend the
use of 128-bit encryption for all non-financial transactions over
the Internet, e.g., the use of BMO InvestorLine's Online
Application.
In addition
to data encryption, as a BMO InvestorLine client, you require both
your account number and password to access your BMO InvestorLine account
through this web site.
If you still
want more information, visit our Security page.
What happens if there are unauthorized transactions in my account(s)?
To ensure superior quality client service, we will guarantee a 100% reimbursement* for any unauthorized transactions conducted in your account that results in a direct loss. Read our Online
Security Guarantee for more information.
How do
I know if my web browser supports 128-bit encryption?
The answer to this question will vary, depending on the type and
version of browser that you are using. You will need to consult
the section in your browser that discusses security information
for full details. Chances are that if you haven't specifically obtained
a strong encryption browser (128-bit), you aren't using one. If
you are trying to sign into your account
and you are receiving an "Insufficient Encryption" message, you
will need to obtain a strong
encryption browser.
If you do
not have a 128-bit encryption browser, you can download your preferred
browser from either the
Microsoft or
Netscape web
site.
Are there
other steps that I should take to protect my account?
Always ensure that you keep your account number and password in
a safe place and don't reveal them to others. Never leave your computer
unattended while signed into your account. When you sign out of
your account, be sure to clear your cache.
What do I need to consider when choosing a password?
DO
- use 6-digit passwords. Avoid birthday dates, numeric sequences or any other combinations that can be easily guessed
- change your passwords frequently
- use different passwords for every system you access
DON'T
- use words from dictionaries, names of friends or relatives, calendar dates or common phrases
- use combinations of your name and initials
- tell anyone your password
- write passwords on easily accessible places such as your desk calendar or under your keyboard
Is email
communication secure?
Messages you send to us by email are not encrypted. Do not send us any personal information (example:
account numbers, passwords) or financial information by Internet
email. The security, integrity and privacy of any and all information
exchanged between you and BMO InvestorLine via email cannot be guaranteed
and any such information may be tampered with in transit by a third
party.
In addition to personal and financial information, do not send us
any trading instructions; as such, trading instructions via email
cannot be accepted by BMO InvestorLine.
What is a digital certificate?
A digital certificate is an electronic "passport" that authenticates a web site when doing business or other transactions on the Web. It is issued by a certification authority (such as Entrust and Verisign). It contains, amongst other things, the name, a serial number, expiration dates and the digital signature of the certification authority, so that a recipient can verify that the certificate is genuine. You can verify a digital certificate by clicking (or double-clicking) on the closed padlock that comes up at the bottom of the browser when doing business with a secure web site.
What is a firewall?
A firewall helps to limit online access to only those with proper
authorization. Consider a firewall as a virtual wall that separates
a trusted environment (such as corporate or home networks) from
an untrusted environment (such as the Internet) by controlling
and regulating the traffic between these two environments such
that the trusted environment is protected from any harmful activity
(such as viruses, worms or intrusion attacks) initiated on the
untrusted side.
What is a personal firewall?
A personal firewall (sometimes called a desktop firewall) is a software
application used to help protect a single Internet-connected computer
from intruders. Personal firewall protection is useful for users
with "always-on" connections such as DSL, cable modem or dial-up
connections. Often compared to anti-virus applications, personal
firewalls work in the background, to help protect the integrity of
the system from unauthorized access by controlling Internet connections
to and from a user's computer, filtering inbound and outbound traffic,
and alerting the user to attempted intrusions.
How do I disable file sharing in Windows products?
Windows family of operating systems uses a feature called "File
Sharing" which allows other computers on the network to access
your PC, even from across the Internet. The help feature included
in the Microsoft products will help you disable this feature (click
on Start, then Help, then Index and type "disabling folder or drive
sharing" to view instructions).
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