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Privacy & Disclosures

Privacy Policy

February 24, 2011

We respect and value your privacy.  Our Online Privacy Policy describes and applies to the information we collect from you when you visit Impact Credit Union’s website.  The terms “we”, “our”, and “us” in this Privacy Policy refer to Impact Credit Union and its affiliate, Area Financial Services Inc. (CUSO).  Our Privacy Policy generally describes how we collect, share, use and protect your information.  If you are a member who has opened an account or obtained a financial product of service from us, our Privacy Policy may apply to you as well and further explains how we may use your information.

Read Impact Credit Union's Privacy Policy Notice

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 making inquires or requesting information about a product of service.

Some information you may submit is personally identifiable, 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 submitting any personally identifiable information.

We may use this information for a number of purposes, for example, to better service your request and/or inquiries, monitor Website usage and/or performance, ensure technological compatibility with your computer and protect  against fraud or identity theft.

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 you Website access; specific pages, buttons, images, links, or forms that you access while visiting our Website; and demographic information concerning the country of origin of your computer and language(s) used by it.

“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 website service provider may place cookies or similar files on your hard drive for many of the reasons listed above while visiting our Website.  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 non-functional.   We may use cookies 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.  For some applications, such as online banking transactions, cookies are required to help protect the privacy of a member’s transactions by terminating the session if the member forgets to log out.

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 a you want to review our products and services without having to submit such information.

E-Mail Communications

Forms of communication such as, e-mail, text messaging, our Website Contact Us or similar forms, or others 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 methods of communications.

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.>

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 and contact us immediately if you receive an unsolicited e-mail.

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 thirteen not to disclose or provide any personally identifiable information on our Website.

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.  Neither Impact Credit Union nor its affiliate Area Financial Services Inc. makes 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 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.

Additional Uses or Sharing of Your Information

We may disclose nonpublic personal information about you to the following types of third parties:

  • Financial Service Providers, such as insurance companies, mortgage service companies, and securities broker-dealers.
  • Non-Financial Companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers and plastic card processors.

We may also disclose non public personal information about you under circumstances as permitted or required by law.  These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

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.

If you have any questions or comments concerning our Online Privacy Policy please contact us at 419-547-7781.

Disclosures

VISA Disclosure

USA PATRIOT ACT - Identity Verification Notice

On October 26, 2001, President Bush signed into law the USA Patriot Act. The purpose of this law is to help protect you, your family, and our country from terrorism by preventing terrorist financing. We want you to know that section 326 of this Act requires our credit union to verify the identity of all new credit union members. We must also verify the identity of members and nonmembers added as signatories to and have access to new or existing deposit accounts and loans. We must also retain copies of documents used to verify your identity.

If you are an existing member, who joined the credit union before the USA Patriot Act rules became effective, we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit account, apply for a loan or are added as a signatory to a new or existing deposit or loan account.

We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country. Please speak with a credit union staff member if you have any questions or concerns about our identification policies.

Copyright 2002 CUNA Mutual Group

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