CEMAKard™ Security Awareness – Security Statement

Web Site


Internet security is even more important when financial transactions are involved. A site (both financial and non-financial) is considered secure if all sensitive information that is transmitted between the Customers/Cardholder’s browser and the owner of the site is encrypted (scrambled so that someone looking can not read it). At CEMAKard™, we use encryption for Internet activity that involves the exchange of sensitive information.




Information sent via the Internet may be used for purposes like responding to questions, addressing Customer/Cardholder suggestions, or updating Customer/Cardholder information. When sending us Account information (such as Account Numbers, Social Security Numbers, PINs, etc.) or other sensitive information online; use only the services that ensure the secure transmission of your information. Do not use your standard e-mail accounts to send sensitive information because that may not protect what you are sending.


Online Banking


For Customers/Cardholders protection, Online Banking employs three forms of security:

  • 1.Multi-Factor Authentication requires CEMAKard™customers/cardholders to authenticate themselves via questions that usually are not known by anyone other than the individual Customers/Cardholders. When a Customers/Cardholders registers their card via the cardholder website, the Customers/Cardholders will choose a secret question/answer (code) that may also be asked during customer service inquiries by the Customer Service Representative to confirm that it is a valid cardholder.
  • 2. Dual Password Protection requires the Customers/Cardholders to enter a password twice in addition to the four digit PIN, to ensure Account information is only accessed by the authorized Customers/Cardholders.
  • 3. Data Encryption is a process that transposes the information sent from our server to your browser into a code that cannot be understood or altered without using a "key." The "key" deciphers the information from our server to be able to display on your browser. Our servers presently employ a minimum of 128-bit RSA data encryption. The latest versions of all Web browsers support this encryption




Cookies are messages shared between Web browsers and Web servers. To deliver more customized service to our Customers/Cardholders,


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CEMAKard™ Prepaid MasterCard® Card programs are issued by the Eastern Caribbean Co-operative Central Limited pursuant to the license from MasterCard International Incorporated. MasterCard® and Cirrus® Brand Marks are registered trademarks of MasterCard International Incorporated. CEMAKard™ and Wise Money™ are a registered trademark of CEMAKard.
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