This policy reaffirms IRCO Community FCU’s (IRCO) respect for the right to privacy of our members. This Policy relates to financial and other related information which IRCO Community FCU has, or gathers, in the normal course of business. Our Privacy Policy (“Privacy Policy”) describes and applies to the information we collect from you when you visit our website (“Website”). The terms “we,” “our,” and “us” in this Privacy Policy refer to IRCO Community FCU’s its affiliates and divisions. Our Privacy Policy generally describes how we collect, share, use, and protect your information.
The credit union will only collect personal information necessary to conduct business, meaning only what is necessary to provide competitive financial products and services. We collect information about members from applications and other forms, information about member transactions with us, our affiliates or others, and information we receive from consumer reporting agencies.
The credit union will only partner with businesses that follow strict confidentiality and privacy requirements. The businesses we select offer products designed to enhance our members’ economic well-being. The credit union may disclose information about you, typically name and address, to reputable financial institutions we have partnered with to provide services such as insurance and consumer goods discounts. IRCO Community FCU does not disclose nonpublic information about its members to nonaffiliated third parties except as allowed by law. The law allows us to exchange account activity information with third parties in order to process transactions such as ATM and check card activity and open credit activity.
General Security
IRCO Community Federal Credit Union will protect the personal information of its members. Employees follow our strict policy concerning member confidentiality. The credit union will not release any information about your accounts without written consent. If your account with IRCO Community FCU becomes inactive or is closed, your information will not be released to affiliated or non-affiliated third parties. The credit union will maintain strong security controls to ensure that member information is protected. IRCO limits employee access to confidential member financial information to those employees with a business purpose for knowing such information. Additionally, we maintain physical, electronic, and procedural safeguards that comply with federal regulations.
Website Security
SSL Certificates for our website are issued though Network Solutions. SSL stands for Secure Socket Layers which is a public key infrastructure that uses the RSA (Rivest-Shamir-Adelman) method of encryption and authentication via security certificates. It helps to establish a secure connection between our website and the server through the secure protocol https.
Information You Choose to Submit
Most of the browsing on our Website, we neither require nor collect personally identifiable information. You can take your time browsing our Website to review our services without having to submit personal or confidential information.
Information That We Collect When You Visit Our Website
We receive and collect certain information about you. The information that we receive and collect depends in part on what you do when you visit our Website. You may be able to improve your experience on our Website when you tell us who you are – for example, by signing up for e-mail, applying for products and services, making inquiries, or requesting further information about a product or service. Some of the Information you may submit is personally identifiable information, but much of it is not. Personally identifiable information is information that identifies a particular person. Examples include your name, phone number, address, and social security number. It is possible to browse our Website without actively submitting any personally identifiable information. We may use this information for a number of purposes, for example, to better service your requests and inquiries, and protect against fraud or identity theft.
Automatically Collected Information
Every time you visit a Website, information is automatically collected from you. For example, this information may include some or all of the following items: your computer’s Internet protocol (IP) address and domain; type and version of Internet browser software and operating system you use; date, time, and duration of your Website access; specific pages, buttons, images, videos, links, or forms that you access while visiting the Website; and demographic information concerning the country of origin of your computer and the language(s) used by it. Monitor Website usage and performance, improve the member experience of our Website, ensure technological compatibility with your computer, or conduct aggregate analyses on usage patterns.
Google Analytics and Cookies
We use technology to collect anonymous, Non-Personal Information that indicates how visitors use our site. Such technology, called “cookies” are small files containing text that your web browser software transfers from our Website to your computer when you visit our site. Cookies make it easier for you to use our site and help us to customize your online experience.
We take your privacy seriously, and we want you to know exactly what we do with information we gather from your visits to our website. This website uses Google Analytics to help analyze how visitors use this site. Google Analytics is a web analysis service provided by Google which uses “cookies,” text files placed on your computer, to collect standard Internet log information and visitor behavior information in an anonymous form. The information generated by the cookie about your use of this website includes, but is not limited to, IP addresses, browser details, timestamps and referring pages. This information is then used to evaluate visitors’ use of the website and to compile statistical reports that let us know what pages and information are useful and helpful to you.
We will never use the information gathered to track or collect any Personally Identifiable Information (PII), nor will we ever allow third parties to track or collect any information that can personally identify you. Google will not associate your IP address with any other data held by Google. Neither we nor Google will link, or seek to link, an IP address with the identity of a computer user. We will not associate any data gathered from this site with any Personally Identifiable Information from any source unless you explicitly submit that information via a fill-in form on our website. You may choose to accept or decline cookies. Most web browsers automatically default to accept them, but you can usually modify your browser setting to decline cookies. If you reject cookies by changing your browser settings then be aware that this may disable the full functionality while on our Website.
E-mail Communications
Those who e-mail the credit union should be aware that any information attached to that e-mail address, such as name, workplace, account number or social security number will be revealed to IRCO Community FCU. Please be advised that e-mail may not be secure against interception by unauthorized individuals. When you send an e-mail to us, you are communicating with us electronically and consent to reply to communications from us or our providers electronically. IRCO will not sell our members’ e-mail addresses or share our members’ e-mail addresses with any other third party. The exception would be if we were required to share this information by statute, regulation, or court order. It is IRCO’s pledge that those who communicate with us via e-mail and their e-mail information will be used only to respond to their comments or questions.
Children and Collection of Personal Information
IRCO Community Federal Credit Union is committed to protecting the online privacy of our youngest members and to comply with the Children’s Online Privacy Protection Act (COPPA). COPPA prohibits unfair or deceptive acts or practices in connection with the collection, use or disclosure of personally identifiable information from and about children on the Internet. COPPA is intended to give parents increased control over what information is collected from their children online and how such information is used. IRCO’s website and online services are not directed to children under the age of thirteen, nor is information knowingly collected from them. If you believe your child has provided personally identifiable information to IRCO online and you wish to review and delete such information, please contact us at 800-538-1572 or 908-859-1811. For additional information on COPPA protections, please see the FTC website at: https://www.consumer.ftc.gov/articles/0031-protecting-your-childs-privacy-online.
Links
IRCO Community FCU may contain links to other resources and organizations on our website. Please be aware that IRCO Community FCU is not liable for the content or availability of these linked sites. IRCO Community FCU does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. IRCO Community FCU’s privacy policies do not apply to linked websites. If you do click on a linked website located on IRCO Community FCU’s Website, please consult the privacy disclosures on that site for further information.
Suspicious E-Mail
We will never e-mail you to request personal account information over the Internet or by any other means. Help protect yourself against online fraud – if you suspect that an unsolicited e-mail is fraudulent, please contact us immediately.
How to Protect Your Personally Identifiable Information
You have a role in helping us by safeguarding your information from others. You have options when deciding how you can best protect your personally identifiable information. One option is simply not to volunteer it. The Federal Trade Commission’s websites (www.ftc.gov, www.ftc.gov/idtheft, and www.onguardonline.gov) offer useful information about how to protect your personally identifiable information.
Changes to our Online Privacy Policy
Please note at any time, we reserve the right to make changes to our Privacy Policy by posting changes on our website. It is your responsibility to review this Privacy Policy frequently and remain informed about any changes to it. Your continued use of our Website constitutes your acceptance of any amendments to and the most recent versions of this Privacy Policy.
Refer to our separate Privacy Notice.
