Member Information We Collect
The Credit Union collects only relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you which is “nonpublic.” The member information we collect varies depending on the accounts and services you request. We collect information about you from the following sources:
We retain personal information we receive from you on any application you provide for membership, deposit accounts, EFT services, or other Credit Union services.
Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, transactions through FlexTeller Home Banking, over the phone or at a branch we retain the transaction information, including: your account number the date, amount, and location of the transaction.
When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests. Information we receive from government agencies, such as the Department of Motor Vehicles.
We obtain information online when you visit our web site, www.alpinecu.com. This information includes retaining information you provide us on any online application, FlexTeller Home Banking transaction or information you send to us by e-mail.
Member Information We Share
In order to provide financial services to you, we share certain information about you with our third party service providers. However, we only share information to the extent necessary to service your account to offer new services to you. When sharing your information, it is with the goal of bringing you quality services, more choices, and greater convenience.
Sharing Information with Third Party Service Providers
In order for us to conduct our operations, including servicing your account or processing your transactions we need to share information with our service providers, including: data processing companies, check, ATM and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, credit reporting agencies, and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed to keep the member information we provide to them confidential. We share the following categories of information to third party service providers depending on the specific services provided:
Personal information (name, address, and account number) Account information (type of accounts, account balances, and transaction history) Transaction information (dates, amounts, locations, and type of transaction)
We do not sell member information nor share your account numbers with independent third party marketers offering their products and services. While we may assist in offering financial products and services of our contracted financial service providers, we control the member information used to make such offers.
Sharing Information as Legally Required or Permitted
We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.
Confidentiality and Security
The application information we accept online and our FlexTeller Home Banking service relies on industry standard “Secure Sockets Layer” (SSL) encryption to secure your transaction information and communication . Generally, our e-mails are not secure. However, if we ask you to e-mail us information other than your name, address, e-mail address and phone number, it will be obtained using a secure (SSL encryption) e-mail form. When you visit our web site, you can access site information, without revealing your personal identity. However, in order to help us identify you for future site visits, we use “cookies” to track your visit. A “cookie” is a piece of information that our web server stores on your computer hard drive and retrieves later. The cookie will not request, require, or collect personal identity information and you remain anonymous. Your member information is not accessed by or stored within a cookie in any way. Employee access. Credit Union employees do have access to your information in order to provide service to you. However, our employees’ access is restricted to their need to know such information or as necessary to conduct a transaction or respond to your inquiries. All employees are trained to respect member privacy. No one except our employees has access to the Credit Union computer system and records storage.
Protecting Children’s Information Privacy
Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.
Opt Out Procedure
If you wish to opt out of any third party mailings, please contact us with that request by calling us at (801) 225-2056, e-mailing us at email@example.com or mailing us at Alpine Credit Union, PO BOX 217, Orem UT 84059.
If you have any questions about our privacy practices, contact us by calling (801)225-0256.