Online security - what we do
One of our highest priorities is to ensure your privacy and peace of mind by employing some of the most advanced online security measures in the industry. This section explains the measures we take to protect you and what you can do to protect yourself from online fraud.
We do not guarantee the Site will be fault free and do not accept liability for any errors or omissions that occur.
Your Username and Password
Your username and password that you set up when purchasing the card must be used in order to access certain restricted parts of the Site. Your username and password are used by us to identify you. You are responsible for all transactions or communication carried out on the Site by anyone using your username and password. Any breach of security of a username and password should be notified to us immediately.
All forms and online account pages, i.e. those pages that show your information, use 256-bit encryption. Encryption makes your information unreadable to anyone who might intercept it. In addition, a Secure Sockets Layer (SSL) is used to connect your browser to our secure servers.
The latest browsers (e.g. Chrome, Firefox, Safari, Opera, IE 10+) support 256-bit encryption. Browsers older than this support lower levels of encryption (40-bit or 56-bit) but they still remain extremely secure.
You should note that ordinary e-mail is not secure.
Please do not send us any confidential information via email. We will only use e-mail to send you account information such as your account balance and transaction information or special offers if you have given your consent for us to do so. We will not use e-mail to send other confidential personal information to you. We cannot accept any responsibility for the unauthorised access by a third party and/or the corruption of data being sent by individuals to Payment Card Solutions.
Secure Socket Layer (SSL)
A "Secure Socket Layer" is a commonly used method of managing the security of messages transmitted across the Internet and is used by us to connect your computer to our secure server. In most browsers, a small padlock icon appears in your browser status bar when SSL is in use. If you have problems getting to secure mode, install one of the latest browsers and try the site again.
Online security - what you can do
There are some simple things you can do to get the most protection for the least effort. By following these you will greatly increase your PC's protection, not just when you use our website but when you use the Internet generally.
They are not all the measures you can take, but are an excellent start. They are equally applicable to business owners and to private individuals.
Update your operating system & browser on a regular basis
From time to time vulnerabilities are discovered in these programs. The publisher will then release a "patch" to correct this weakness. These weaknesses are regularly exploited by virus writers and hackers to gain unauthorised access to those PCs that have not been patched. To check for patches and updates you should visit the publisher's website, typically in their Download section.
Use and regularly update your anti-virus software
You may already be using anti-virus software but to be effective the software should be updated regularly with the latest virus definition files. (If you are unsure how to do this, you should refer to the program's Help function.)
It is also possible to obtain free anti-virus protection. A search for "free anti-virus" on a search engine will provide a list of the most popular.
Use a "personal firewall"
A firewall is another small program that helps protect your computer and its contents from outsiders on the Internet. When installed it stops unauthorised traffic to and from your PC.
Keep passwords private and don't use a common password for all your needs
Passwords are the key to your online account information. It is hard to juggle a multitude of different passwords and it is tempting to have the same password for everything. Doing this puts security at risk should anyone discover this single password. For this reason, you are strongly advised to have a unique password for all online services - especially those that involve managing money.
When choosing a suitable password, you might consider the following:
Keep your Bread4Business session secure
You should ensure that you and your family are aware of potential pitfalls and know the best way to deal with them.
Ensure you enter your password(s) without being seen.
Remember to log out from the cardholder portal and close your browser when you have finished.
Cardholder portal tips:
Keep your emails secure
Generally, email that is sent or received through a regular email address (e.g. email@example.com) is not secured or encrypted to protect the content. Therefore, any personal information you include in an email is at risk of being intercepted by unauthorised individuals. Do not send your Bread4Business username and/or passwords by email to anyone - ever.
Protect yourself - even when you're offline:
Even when you are offline, there's much that you can do to protect yourself. This centres on keeping private information strictly private.
Top offline tips:
For more information on computer security visit some of the sites included below:
Anti-Virus Software: Popular sources for anti-virus protection software are:
Firewall Software: Common commercial examples can be obtained from:
Anti-Spam Software: Common commercial examples can be obtained from:
There are also no-cost anti-spam options available: