Online Privacy
Online Privacy Policy
We respect and value your privacy. Our Online Privacy Policy ("Privacy Policy")
describes and applies to the information we collect from you when you visit this website
("Website"). The terms "we," "our," and "us" in this Privacy Policy refer to Advantage
Credit Union. Our Privacy Policy generally describes how we collect, share, use, and
protect your information. If you are a customer who has opened an account or obtained a
financial product or service from us for personal, family, or household purposes, our
Privacy Notice may apply to you as well and further explains how we may use your
information.
1. 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 or newsletters, applying for
products, 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/or inquiries, monitor Website usage and/or performance, improve the
customer experience of our Website, ensure technological compatibility with your
computer, protect against fraud or identity theft, or conduct aggregate analyses on usage
patterns.
Automatically Collected Information
Every time you visit a website, some 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/or 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.
Information Collected via Cookies and Other Similar Technology
“Cookies” are small text files that are placed on your computer to distinguish you from
other visitors to our Website. The use of cookies is a standard practice among websites
to collect or track information about your activities while using the website. We or our
third party advertising service providers may place cookies or similar files on your hard
drive for many of the reasons listed above while visiting our Website. Most people do
not know that cookies are being placed on their computers when they visit websites
because browsers are typically set to accept cookies. You can choose to have your
browser warn you every time a cookie is being sent to you or you can choose not to
accept cookies. You can also delete cookies from your computer at any time. If you
refuse cookies, the functionality of our Website may be impacted or become nonfunctional.
In addition to using cookies, we or our third party advertising service providers may also
use similar technologies to track users’ interactions with our Website. Some of these
technologies include web beacons (transparent graphical images placed on a website) and
flash objects.
We may use these technologies on our Website to verify your identity, remember
personal settings including your preferences, to offer you additional options or enhance
your online experience, and to improve our products and services. We may also use them
for marketing site personalization, and tracking of online applications and programs
and/or track the effectiveness of advertisements for our products and services, referred to
as banner ads, that we may place on our Website or other linked and/or partner websites.
Cookies used for tracking advertising effectiveness do not collect personally identifiable
information. In order to better serve you, some of these technologies allow us the ability
to view your past interactions with our Websites and/or online banking environment for
customer service, troubleshooting, risk analysis and fraud detection, as well as other
related purposes.
2. Information You Choose to Submit
For most of the browsing on our Website, we neither require nor collect personally
identifiable information. You can browse our Website and take as much time as you want
to review our services without having to submit such information.
3. E-Mail Communications
Forms of communication such as, e-mail, text messaging, our Website Contact Us or
similar forms, or other forms of electronic communication are inherently insecure. Please
refrain from submitting sensitive personal information (such as account number or social
security number) via e-mail or similar method of communication.
When you send an e-mail to us, you are communicating with us electronically and
consent to receive reply communications from us or our providers electronically. We may
retain the content of the e-mail, your e-mail address, and our response in order to better
service your needs or for legal and regulatory reasons.
4. Personal Information on Children
We respect the privacy of your children and encourage all parents to supervise their
children's computer usage. We do not knowingly collect or retain personal information
from children under the age of thirteen. We advise all visitors to our Website under the
age of 13 not to disclose or provide any personally identifiable information on our
Website. To learn more about the Children's Online Privacy Protect Act (COPPA) please
visit the Federal Trade Commission's website at
http://www.ftc.gov/privacy/privacyinitiatives/childrens.html.
5. Third Party Websites
Our Website may contain links to third party websites. These links and pointers to third
party websites are not part of our Website. Advantage Credit Union does not make any
representations or warranties regarding these third party websites. We are not responsible
for any losses or damages in connection with the information, security, privacy practices,
availability, content or accuracy of materials of such third party websites. These third
party websites might have privacy policies different from us and third party websites may
provide less privacy and/or security than our Website. We encourage you to review the
privacy and security policies of all third party websites before you share any personally
identifiable information.
6. Additional Uses or Sharing of Your Information
We may use information, see our Member Privacy Policy, about your relationship with
us, such as what types of accounts you have, as well as transactional information, and the
state/region in which you bank to tailor advertisements to you while you are on our
Website. These advertisements may take the form of banner ads to offer you additional
products and services, or enhance your online experience.
In addition to those methods discussed in this Privacy Policy, we may use and share your
information, including personally identifiable information, without limitation, in the
following manner:
• In response to judicial or other governmental subpoenas, warrants and court
orders served on us in accordance with their terms, or as otherwise required by
applicable law;
• To comply with legal, regulatory or administrative requirements of governmental
authorities;
• To protect our rights or property, protect our legitimate business interests, to
enforce the provisions of our terms or policies, in cases of customer
fraud/disputes, and/or to prevent harm to you or others;
• To protect or defend us, our subsidiaries, affiliates, or parent company and any of
their officers, directors, employees, agents, contractors and partners, in connection
with any legal action, claim or dispute;
• As disclosed in other applicable policies, terms of use, or other agreements; or
• As permitted or required by law or as authorized by you.
7. Online Security
We maintain security standards that are designed to protect your information as it is
transmitted from your computer to our network. This technology is called Secure Socket
Layer (SSL). SSL is the leading security protocol for data transfer on the Internet and
helps to protect the safety and confidentiality of your online banking information.
8. How to Protect Your Personally Identifiable Information
You have a role in helping us by safeguarding your information from others. You have
several 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.
9. 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.
10. Notice to Persons Accessing this Website Outside the United States
If you reside outside the U.S., any information you provide to us on our Website will be
transferred out of your country and into the U.S. If you do not want your personally
identifiable information to leave your country, do not provide the information to us. By
providing personally identifiable information to us, you explicitly consent to the transfer
of your information to the U.S.
11. Changes to our Online Privacy Policy
Please note that we will periodically make changes to our Privacy Policy. It is your
responsibility to review this Privacy Policy frequently and remain informed about any
changes to it, so we encourage you to visit this page often. Your continued use of our
Website constitutes your acceptance of any amendments to and the most recent versions
of this Privacy Policy.
12. Questions or Comments
If you have any questions or comments concerning our Privacy Policy please let us know.
For a copy of this document, use the print command on your web browser.
This Privacy Policy was last updated on: August 3, 2010