Policies

Privacy Policy   Legal Notice   Security Statement

Date of Last Update

The terms of this document were last updated on November 09, 2004.

If you have any questions regarding these Terms of Use, the Site, or the Services, please DSteindorf@yourfederalcu.com.

Privacy Policy

Your FCU recognizes the importance of protecting the privacy of personal information about our members and others who visit our Web site. We understand that your personal and financial information is important to you. Therefore, we have developed the following Web site privacy policy.

General Information Areas:

The credit union collects information about your visit on an anonymous, aggregate basis, including: the date, length of visits, number of times each page is visited, the Web address of the site that you linked to our site from and the Internet service provider used to access our Web site - But not the e-mail address. This information allows us to track Web site use, measure site traffic and improve site navigation to better serve our members and Web site visitors. The information gathered is used for internal purposes only.

Collection and Use of Personal Information:

The credit union collects, uses and retains only personal information that is necessary to conduct business. We use the information to complete the request and/or transaction. This information may also be used for identification purposes when you contact us. Website not intended for children 13 years of age or younger. It is our policy never to knowingly collect or maintain information about anyone 13 years or younger.

Maintenance and Accuracy of Your Information:

Your FCU continually strives to maintain complete and accurate information about our members and their accounts. If at any time you believe that our records contain inaccurate or incomplete information about you or your accounts, please notify us. We will investigate your concerns and correct any inaccuracies in a timely manner.

Employee Access to Member Information:

Your FCU educates its employees to understand the vital importance of maintaining the confidentiality of all member information. Only employees with a business reason for knowing your personal information are permitted access to your information.

Restrictions on Sharing Information:

Your FCU follows strict privacy procedures protecting your personal information. In addition, the credit union requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Your FCU will not disclose to third parties information concerning members’ accounts with the credit union, except:

• Whenever it is necessary for completing transactions.
• To verify the existence and condition of your account to a third party such as a credit bureau or merchant.
• To comply with a government agency, court order, applicable law or regulation.
• If you give us your permission, which we may require to be in writing.
• When we collaborate with other businesses to offer a broader array of products and services.
• Whenever it involves a claim by or against us concerning a deposit or withdrawal from your account.

Maintaining Member Privacy in Our Business Relationships:

From time to time, we contract with outside vendors and other businesses to perform specific services for us. Whenever the credit union forms a partnership with another organization, Your FCU will require that the other organization conform to the credit union’s strict privacy policies. Your FCU will only furnish the personal information that other organizations may need to provide their products and services to the credit union’s members.

Protection of Information via Established Security Procedures:

We maintain appropriate security standards and procedures regarding unauthorized access to member information.

Internet HomeBranching Access:

If you visit a secure area on our Web site, such as Internet HomeBranching, you will be asked to provide a pre-determined HomeBranching ID and password. This required password feature allows the credit union to securely regulate entry into your personal financial information. However, you must ensure that your HomeBranching ID and password are safeguarded against unauthorized use. We strongly recommend you do not share your ID or password with anyone. Your HomeBranching ID and/or password will not be sold or made available to third parties by the credit union.

Planning Tools:

There are many planning tools (e.g. loan calculators) throughout our Web site. They are designed to help you make financial decisions based on your own particular situation. We do not capture the personal information that you enter when using these planning tools. These tools are for educational purposes only and we cannot guarantee their accuracy.

Cookies:

To provide better service and a more effective Web site, we use “cookies” as part of our interaction with your browser. A “cookie” is a small text file placed on your hard drive by our web page server. These "cookies" do not collect personal identifiable information, and will not be sold, nor will any related information be shared with others outside the credit union, unless we are compelled to do so by law.

Your FCU uses "cookies" with HomeBranching as a means of maintaining the integrity of your session. They are a requirement for HomeBranching to function properly. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. It is recommended that you turn off any option warnings before you accept cookies.

To read more about cookies

E-mail Messages:

Certain areas or our Web site allow you to submit information to us via e-mail. We will collect and retain the e-mail address, along with the information contained in the message, and will use it primarily to follow-up with you, to meet legal and regulatory requirements, and for marketing and/or research and development purposes. Please be advised that e-mail messages you send may not be secure against interception by unauthorized third parties. Therefore, you should avoid sending any confidential or sensitive information to us by e-mail or recognize that it may not be secure if you do so.

Right to Choose:

Your FCU will provide members the means to remove their names from marketing lists that may be compiled by the credit union. Any member of our credit union may also elect to keep their personal information from being shared with our business partners. We will inform you on how to exercise your choice, and we will take all reasonable steps to make sure member’s request are followed. At least once a year, we will remind all members of their right to choose.

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Legal Notice

Disclaimer of Warranties and Liabilities

All information provided on the Web site is believed by us to be accurate and reliable as of the date posted on the site. However, due to the possibility of human and mechanical error, as well as other factors, we are not responsible for errors or omissions from the information contained in this Web site. All of the information, materials, and functions contained in our Web site are provided on an "As Is" basis without warranties of any kind, either expressed or implied, including, but not limited to, warranties or merchantability, fitness for a particular purpose, or freedom from computer virus. We do not warrant the adequacy, timeliness, or completeness of the information and materials included in our Web site or in other sites linked to or from our Web site, or that the functions provided will be uninterrupted or error-free. We expressly disclaim any liability for any errors in or omissions from information, materials and functions included in our Web site or any other sites linked to or from our Web site.

In no event will we be liable for any direct or indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with your use of this Web site, or any interruption in the availability of our Web site, delay in operation or transmission, computer virus, loss of data, or otherwise, even if we have been advised of the possibility of such damages or losses.

Third Party Links

Your FCU and this web site may link you to other websites on the Internet. Your FCU is not responsible or liable to you in connection with such websites. WHEN YOU ACCESS THESE WEBSITES AND THE SERVICES AVAILABLE THERETO, YOUR RIGHTS AND OBLIGATIONS WILL BE GOVERNED BY THE AGREEMENTS AND POLICIES RELATING TO THE USE OF THOSE SERVICES. SECURITY and PRIVACY POLICIES MAY BE DIFFERENT ON THESE OUTSIDE WEBSITES. The inclusion of links to such websites or promotional materials relating to such websites does not imply any endorsement of such websites or the material on such websites by the Your FCU.

Unauthorized Access

Unauthorized attempts to access, upload information, or deface this web site is strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec. 1001 and 1030.

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Security Statement

Welcome to our online Internet site!
Your FCU is committed to making your online HomeBranching experience safe and secure. Our online HomeBranching service provides security technology to protect the data of our members and for the credit union. We have taken many measures to ensure your privacy.

Information Encoding

We use encoding technology to ensure that your private information cannot be easily translated. On our HomeBranching service your information never travels the Internet without encryption protection.

Account Numbers and Names

Your FCU does not display your account numbers over the Internet. Instead, you will see the account type i.e. primary checking, and will have the option to change to a "pseudo" name for each of your accounts.

HomeBranching ID & HomeBranching Information

In order to access Your FCU HomeBranching, you must enter a unique User ID and PIN.

PIN Security System

To keep unauthorized individuals from accessing your account by guessing your PIN, we instituted a PIN security system. If your PIN is entered incorrectly three consecutive times, the user is "locked out" of the system for 24 hours. Your account is not accessible via HomeBranching throughout this 24-hour lockout period.

Each time you log in to our HomeBranching service you will see a record of your last login date and the number of times you have logged in. You will have the ability to monitor the access of your account with this information. You will have an option to Reset Login Count, which allows users to reset the counters for their login history.

Automatic Log-Off

If you are logged on the HomeBranching service but do not perform any activity for 10 minutes, you will not be able to proceed until you "re-log" on to the system.

Additional Security Measures

We have sophisticated firewalls and authentication processes to ensure that only authorized individuals are allowed to enter our system. A firewall is either a hardware or software component that serves as a secure entrance to a system. A firewall can allow only specific parties to cross the path and access the system.

Protect your Online HomeBranching Account Information

Your FCU works to protect your banking privacy. However, you also play an important role in protecting your account(s). Here are some steps you can take to ensure that your HomeBranching account(s) information is protected:

• When sending the credit union e-mail, do not reveal your full account number. Instead, give us your full name and describe your accounts by type description only. On multiple account information, give us the name and relationship to you.
• Do not reveal your HomeBranching ID or PIN to anyone else. Your HomeBranching ID and PIN are designed to protect your banking information, but that will only work if you keep them to yourself.
• Change your HomeBranching PIN frequently. You can change this online through the HomeBranching menu called Management.
• Do not walk away from your computer if you are in the middle of an Online HomeBranching session.
• Once you have finished your online HomeBranching session, log-off before visiting other Internet sites.
• In addition, when leaving your computer clear the browser disk/memory cache and close your browser.
• If you notice any suspicious or unusual activity related to any of your accounts, contact us immediately at (214) 574-2000, HomeBranching Department, or by e-mail: HomeBranching@yourfederalcu.com

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