Online Privacy Policy
This Online Privacy Policy (Policy) applies to this Century Heritage Federal Credit Union online interface (i.e., website or mobile application) and any Century Heritage Federal Credit Union affiliate or subsidiary online interface that links to this Policy, (each, a Site, and, collectively, Sites). The term “Century Heritage FCU” or “CHFCU” or “we” or “us” or “our” in this Policy refers to affiliates or subsidiaries of Century Heritage Federal Credit Union that link to this Policy. This Policy describes how we may collect, use and share information from or about you, and explains how information may be collected and used for advertising purposes.
Century Heritage FCU is committed to respecting and protecting the privacy of our members and site visitors. For members and visitors to this Site, we will use and share any information that we collect from or about you in accordance with the CHFCU Privacy Notice, which provides choices in the use and sharing of information. By using the Site, you agree to the terms and conditions of this Policy.
Click here to read the CHFCU Privacy & Biometric Policy.
Cookies
To provide better service and a more effective website, the CHFCU may use cookies as part of our interaction with your Internet browser. A cookie is a small text file placed on your hard drive by our web page server Cookies are commonly used on web sites and do not harm your system. CHFCU may use cookies to enhance our members’ online banking session by making navigation easier and providing important security features. For example, cookies help to secure member’s online banking transactions by automatically terminating the online session if the member forgets to log out. We may also use cookies to identify what sections of our site that visitors view most so we can continue to provide information on the products and services in which our members have demonstrated an interest. These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are.
Cookies cannot be used to capture your email address, obtain data from your hard drive or gain confidential or sensitive information about you. Additionally, cookies cannot be read by a website other than the one that set the cookie. Some websites, however, use cookies to obtain information from your browser. By configuring your preferences or options in your Internet browser, you can control if and how a cookie will be accepted.
Third Party Sites
CHFCU hosts several links to third party vendors on their website in hopes of providing quick and convenient access to information related to your financial needs. Keep in mind that the member is leaving the credit union’s website. The linked sites are not under our control and we are not responsible for the content on a linked website. Linked sites may have privacy policies that are different from ours. The credit union does not represent either the third party or the member if the two enter into a transaction.
Collecting and Using Information
Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.
We will never ask for confidential information, including requests that you provide electronic banking credentials, in an unsolicited email or phone call.
How We Use Personal Information
We may use Personal Information:
- To respond to your inquiries and fulfill your requests
- To inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information
- To deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you
- To personalize your experience on the Site
- To allow you to apply for products or services (e.g., to prequalify for a mortgage, apply for a credit card, or to open a retirement account, investment account or other financial product) and evaluate your eligibility for such products or services
- To verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information
- To allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared
- To allow you to use some Site financial planning tools. Information that you enter into one of these planning tools may be stored for future access and use. You have the option not to save the information
- Collected through our social media pages and other online interactions with you to assist in verifying your identity and account status. We may combine this online information with information collected from offline sources or information we already have
- For business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns
- For risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements
- To allow you to utilize features within our Sites by granting us access to information from your device such as contact lists, or geo-location when you request certain services
USA Patriot Act
To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Protecting Children’s Privacy Online
The Children’s Online Privacy Protection Act (COPPA) was passed by Congress in October 1998, with a requirement that the Federal Trade Commission (FTC) issue and enforce rules concerning children’s online privacy. The primary goal of the Act and the Rule is to place parents in control over what information is collected from their children online. CHFCU does not knowingly collect, nor are website and mobile applications designed or directed to use personal information from children.
Opting Out And Your Privacy Rights
To learn more about or opt-out of interest-based advertising, please visit the industry opt-out pages operated by the Network Advertising Initiative and by the Digital Advertising Alliance to obtain more information and/or to opt-out of personalized advertising for Google and its partners sites, please visit adssettings.google.com. Please note, even if you opt-out of interest based advertising, you may still see other kinds of non-interest based advertising from us.
Questions?
We respect your privacy and we work hard to protect your personal information. If you have any questions, please Contact Us.