Your privacy is important to us. This Online Privacy Notice (the “Notice”) describes how information is collected by and through websites, digital banking, and other online interfaces or platforms that are owned, operated, or controlled by IU Credit Union or its affiliated companies (collectively, the “Sites”), including this Site, and how that information may be used and shared.
By accessing or using any Site, you confirm your consent and agreement to the terms of this Notice as may be in effect at that time.
For purposes of this Notice, the terms “we”, “us”, and “our” refer to IU Credit Union that owns, operates, or controls the Site that you use, and such terms may also refer to contractors and service providers engaged by the Credit Union to support their business activities, as the context may require. The terms “you”, “your” and “yours” refer to any person who accesses or uses a Site.
This Notice supplements, but does not replace, the general Website Terms of Use for the use of this Site. In the event of a conflict between the terms of this Notice and the terms of the general Website Terms of Use, the terms of this Notice will govern and control with respect to the matters addressed in this Notice. Certain sites may have separate privacy notices or terms and conditions that are specific to those sites, and when you use or access those sites those separate privacy notices or terms and conditions will apply and will control with respect to the matters addressed therein in the event of a conflict with the terms of this Notice.
With regard to persons who use or obtain our products and services for their own personal, family, or household purposes, this Notice also supplements, but does not replace, and should be read in conjunction with the IU Credit Union Privacy Notice. To the extent that any information at issue is “nonpublic personal information” as defined by Title V of the Gramm-Leach-Bliley Act (Public Law No. 106-102) and applicable related regulations, the IU Credit Union Privacy Notice will apply and control in the event of a conflict with the terms of this Notice, subject to the requirements and provisions of applicable law.
Personal information collected through our Sites will depend on how you interact with us and includes information you provide directly when completing forms or transacting with us, such as your name, your home address, your email address, your telephone number, your social security number, your account number, your user ID and password or PIN, transaction information, documents or images, and information from your computer and mobile device where allowed by individual browsers and/or operating systems, such as: unique device identifiers, language, communications data, and responses to advertisements. We also collect information that you do not provide directly, such as information about your device (including, but not limited to, behavioral biometrics relating to your use of your device for identity verification, fraud avoidance, and security purposes) or internet browser, information obtained from cookies that have been placed on your device or internet browser at our Sites or at other websites you have visited, demographic information, aggregated information, blind information about how you use our products and services and about the transactions you perform using our products and services, and other information obtained through your access to or use of a Site. We may supplement the information we collect from you with information we receive about you from other sources.
We collect personal information when you use our Sites to apply for, obtain, or use our products and services, to make inquiries about our products and services, or to provide information and feedback about our products and services. In connection with your use of our Sites, products, and services, we may ask for, and you may provide, personal information in forms, surveys, applications, and online fields, or you may authorize us to collect personal information from third party sources. We may use personal information and share it with our service providers:
For additional information about how we collect, use, share, and protect personal information about our consumer customers, and for information about the choices you may have, please review the IU Credit Union Privacy Notice.
Online applications you use at our Sites in connection with our products and services generally will enable you to review, update and correct certain personal information. You may also contact a branch, or call us at 888-855-6928, for information about how to review and update certain information about you in our records.
We may collect information you do not provide to us directly:
We may use, disclose, and share information you do not provide to us directly as described in this Notice (including using and sharing such information with our service providers for the purpose of sending you marketing communications that we believe may be of interest to you and otherwise for advertising and sales purposes, whether online or through offline channels like branches, call centers, and direct marketing (for example, email, mail, and phone)) or as otherwise permitted or required by applicable law.
We use Google Analytics to better understand how users are visiting and using our Sites. We do not use Google Analytics to track, collect or upload any data that personally identifies an individual (such as name, address, or email address) or other data which can be reasonably linked to such information by Google. We do not receive personally identifiable information about users on our Sites. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at https://policies.google.com/technologies/partner-sites.
We use cookies to provide you with a better online experience. A cookie is a small text file that can be placed on your system when you visit a website. Cookies allow us to collect information such as browser type, time spent on a website, pages visited, language preferences, and information about your relationships with us. Cookies also allow us to facilitate image changes, collect anonymous aggregate website traffic, provide certain discount, promotional and reward programs to you, and personalize our services to your needs. Our Sites do not require users to accept cookies, and you can set your browser to notify you when you receive a cookie, giving you the opportunity to decide whether or not to accept it. If you choose not to accept cookies, you may experience some reduction in functionality depending on which Site you are using. You also may need to accept cookies in order to maintain certain online advertising opt-out elections (see “Use of Information for Advertising; Online Behavioral Advertising” section below).
We may use personal information in connection with our online advertising activity. Online advertisements may be in the form of banner ads, splash ads, or other formats. These advertisements may appear on our Sites, and we may contract with third party advertising companies to promote our products and services and serve related advertisements on websites and mobile applications that are owned or operated by parties not affiliated with us.
In order to better understand which of our products and services may be of interest to you and to tell you about those products and services, we may from time to time collect information about your online activities over time and across third party websites and online services. We also may engage third party service providers to collect information about your online activities over time and across third party websites and online services when you use our Site. Serving advertisements based on a person’s online activities over time and across third party websites and online services is generally known as “online behavioral advertising.” Here are some tips and other important information regarding online behavioral advertising:
We may share personal information with third-party advertising companies with which we have contracted in order to support other targeted advertising, promotional, and rewards programs that we offer.
We may from time to time use social media websites and applications (e.g., Facebook®, Instagram®, Twitter®, YouTube® and LinkedIn®) to interact with you and to communicate information about us and about our products and services. We may collect information from our interactions with you at such social media websites and applications, and we may use the information for the purposes and uses described in this Notice. If we disclose any terms of use at specific social media pages that we manage, you also will be subject to those terms when you interact with those pages. The owners and operators of social media websites and applications may impose their own terms of use and privacy policies with respect to the use of their websites and applications. This Notice does not govern the use, handling, and treatment of content you may post at social media websites and applications by the owners and operators of those websites and applications. You should review the terms of use and privacy policies of any social media website or application that you use to make sure you understand your rights and obligations with regard to content that you post.
We do not knowingly collect information from children under 13 without parental consent. We encourage parents or guardians to monitor children under 13 when the children are online and to participate in any interactive activities offered on the website.
When you use our Sites to apply for or to obtain or use our products and services, we will not ask you to provide any personal health or medical information except as allowed or required by applicable law and as necessary to consider your application for or to provide such products and services. To the extent you provide any medical or personal health information, we will not use or disclose such information except as allowed or required by applicable law, and we will protect such information as required by applicable law.
IU Credit Union uses commercially reasonable administrative, technical, and physical security measures to protect personal information collected through the Sites. These measures include computer safeguards and secured files and buildings. In the event we share information with third party service providers or joint marketers, we restrict the ability of such parties to use or disclose the information we furnish. We also require such parties to apply appropriate security measures to protect information. We retain your information for as long as needed: (i) to conduct business with you; (ii) as needed for the purposes outlined in this Notice or at the time of collection; or (iii) as necessary to comply with our legal obligations, resolve disputes, and enforce any agreements. For more information, please review the IU Credit Union Privacy Notice. Unfortunately, no data transmission or storage system can be guaranteed to be absolutely secure, and we disclaim any representation or warranty that our information security systems or those of our service providers and joint marketers are invulnerable to breach or compromise.
The information and disclosures contained in this Notice apply only to our Sites. If you link to a third-party website from our Sites, the third-party website will not be governed by this Notice. We recommend that you review the internet or online privacy notice for any third-party website you visit, including any social media website or application (see “Social Media” section above).
Notwithstanding any term or provision to the contrary in this Notice, any information collected by or through the use of any Site that describes, identifies, or relates to a party that is not a natural person may be used, disclosed, and shared by us for any lawful purpose, subject to the requirements and restrictions of applicable law.
We may change our privacy practices and amend this Notice in our discretion. Any changes or amendments we make will be effective when we post them at the applicable Site, unless we expressly provide a different effective date. You agree that the posting of such changes or amendments at the applicable Site shall constitute effective notice thereof to you. You agree to review the Notice periodically to ensure that you are familiar with the current terms of this Notice. You acknowledge and agree that any changes we make are binding on you as of the effective date we dictate, but in any event your use of the applicable Site on or after the effective date constitutes your affirmative acceptance of such changes. The effective date set forth at the beginning of this Notice indicates when this Notice was last changed. If our changes or amendments to this Notice are material, we will notify you in accordance with applicable law.
If you have questions about this Notice, please call us at 888-855-6928 or visit our Contact Us page for more information.
Why? |
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our member, we continue to share your information as described in this notice. |
How? |
All financial companies need to share consumers' personal information to run their everyday business - to process transactions, maintain consumer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their consumers' personal information; the reasons IU Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does IU Credit Union share? |
Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes |
No |
| For our marketing purposes – to offer our products and services to you | Yes |
No |
| For joint marketing with other financial companies | Yes |
No |
| For our affiliates' everyday business purposes - information about your transactions and experiences | Yes |
No |
| For our affiliates' everyday business purposes - information about your creditworthiness | Yes |
Yes |
| For our affiliates to market to you | Yes |
Yes |
| For nonaffiliates to market to you | No |
We don't share |
To limit our sharing |
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
Questions? |
Call toll-free 888-855-6928 |
| Mail-in Form | ||
|---|---|---|
| Mark any/all you want to limit: ___ Do not share information about my creditworthiness with your affiliates for their everyday business purposes. ___ Do not allow your affiliates to use my personal information to market to me. |
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| Name Address City, State, Zip |
Mail to: IU Credit Union PO Box 368 Bloomington, IN 47402-0368 |
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| Who we are | |
|---|---|
| Who is providing this notice? | IU Credit Union, IU Credit Union Investment Services, Inc. and IU Credit Union Business Services, LLC |
| Who we are | |
|---|---|
| How does IU Credit Union protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We maintain physical, electronic and procedural safeguards. We also do not store confidential or sensitive information using cookies. |
| How does IU Credit Union collect my personal information? | We collect your personal information, for example, when you
|
| Why can’t I limit all sharing? | Federal law gives you the right to limit only
|
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include IU Credit Union Investment Services, Inc. and IU Credit Union Business Services, LLC. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. • IU Credit Union does not share with nonaffiliates so they can market to you. |
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include financial service providers and insurance companies. |
| Other important information | |
|---|---|
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