Privacy Policy

Established May, 2001

Purpose of Policy

The purpose of this policy is to insure that I & M (Tanners Creek) Employees F.C.U. complies with existing federal and state laws with respect to the privacy and security of member’s nonpublic personal information.  A concern for people arising from the rapidly changing world of technology and specifically the internet is your right to conduct business with us in confidence and your right to maintain privacy over your financial matters.

Our credit union’s privacy policy and practices concern the personal information we collect and disclose about our members.  It also includes information about third parties that may receive personal and sometimes non-public information from us as we conduct the business of the credit union.

What Information We Collect

We collect non-public personal information about you from the following sources:

• Information we receive from you on applications and other forms.
• Information about your transactions with our affiliates or us.
• Information obtained when verifying the information you provide to us.  This may be obtained    from your current and past employers, or from other financial transactions, credit reporting agencies, and other sources.

 We may disclose all of the information we collect, as described by law.

What Information We Disclose

We may disclose non-public personal information about you to the following types of third parties:

• Financial service providers, such as insurance companies, mortgage service companies, and broker-dealers.
• Non-Financial companies, such as consumer reporting agencies, data processors, plastic card processors, and government agencies or any third party with a valid court order, member written consent, warrant or subpoena.

 We share this information only to assist us in providing services to members and as permitted or required by law.

To Whom We Disclose Information

In order for us to conduct the business of operating the credit union, we may disclose all of the information we collect, as described above, as permitted or required by law.  To protect our member’s privacy, we only work with companies that agree in writing to maintain strong confidentiality protections and limit the use of the information we provide.

Disclosure of Information about Former Members

If you terminate your membership with I & M (Tanners Creek) Employees F.C.U., we will not share information we have collected about you, except as permitted or required by law.

Confidentiality/Security of Your Information

I & M (Tanners Creek) Employees F.C.U. has several measures in place to protect your personal financial information.

1. I & M (Tanners Creek) Employees F.C.U. prohibits your credit union Board and Staff from disclosing your personal financial information.  This prohibition is in place even after the employment or board relationship is terminated or ends.
2. I & M (Tanners Creek) Employees F.C.U. is subject to several examinations of our books, records policies and procedures.  The National Credit Union Administration (NCUA) performs examinations.  In addition, we have an outside independent accounting firm conduct an annual audit.
3. I & M (Tanners Creek) Employees F.C.U. has extensive computer system security controls.  Our operational and data processing functions are in a secure environment that protects member information from being accessed inappropriately. 
4. I & M (Tanners Creek) Employees F.C.U. has several online banking and Internet security measures in place.

Fair Credit Reporting Act Disclosure

We currently do not share credit report information about our members with our affiliates or any other third party.  The use of your credit report information is for internal use only such as determining credit or service approval, other services and employment.

Online Privacy

I & M (Tanners Creek) Employees F.C.U. recognizes the importance of maintaining a presence on the World Wide Web for informational and e-commerce purposes in both attracting new members and retaining existing members.  For the purpose of this statement, e-commerce is defined as the ability of members to access personal account information and general credit union information, to initiate transactions on your credit union accounts, and to apply for additional credit union products and services online, and to access credit union approved vendor sites to conduct credit union related business.  Our privacy policy is the same whether you are online or not.

Visiting Us Online

We may gather information about which sites our visitors browse.  This enables us to track how a visitor navigates through the site areas in which they show interest.  We gather information such as number of hits to the site, page visits, and length of user sessions.  We use this information to better serve you and it helps keep our site relevant and useful.

Our Use of Cookies

Cookies are small test files assigned and attached by a Web server to the directory file on your PC.  Cookies assist Web sites recognize return visitors.  I & M (Tanners Creek) Employees F.C.U. uses cookies to make your online experience easier and more personalized.  As a matter of security, we do not embed your Social Security number, password, or other personal information in our cookies.

Our Use of Banners and What They Are

A banner is an electronic advertisement that is attached to a Web site.  Some are interactive and some just scroll.  By interactive we mean that if you click on the banner you can be directed to another site.  We allow banners on our website only from third parties that we approve.

Online Security

We will maintain reasonable security controls to ensure that member information stored in our files and on the computers are protected.  Where appropriate, we will use security-coding techniques to protect against unauthorized access and the integrity of communications and transactions, and protect member confidentiality.  We also use firewalls to secure your information

Protecting Children’s Online Privacy

I & M (Tanners Creek) Employees F.C.U. does not knowingly collect, nor is our Web site designed or directed, to use personal information from children under the age of 13 without containing verifiable consent from their parents.

Links We have for Non-I &M (Tanners Creek) Employees F.C.U. Sites

I & M (Tanners Creek) Employees F.C.U. does have links on our Web site to other vendors and third parties.  These links are added to give you opportunities to participate with that vendor or third party to take advantage of their services or products.  We cannot guarantee how these third parties use or collect personably identifiable information about you.  We urge you to review the privacy policies of each of the linked Web sites you visit. 

How You Can Limit Us from Sharing Information

I & M (Tanners Creek) Employees F.C.U. does not disclose non-public personal information about you to nonaffiliated third parties, except as previously noted.  In the unlikely event that this policy would change, we will provide you an opportunity to “opt out”.  This means that before we would release any information of a non-public personal financial nature to any nonaffiliated third party you will have the chance to tell us not to release it.  The opt out by law will not apply to disclosures that are legally permitted or disclosures we make available to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us.

What You as a Member Can Do to Help

I & M (Tanners Creek) Employees F.C.U. is committed to protecting the privacy of our members.  Members can help by following some simple suggestions:

• Protect your account numbers, plastic cards, PINs and passwords.  Never keep your PIN with your card.
• Use caution when disclosing your account numbers, Social Security numbers, etc. to other persons.
• Keep your information with us current.  If your address or phone number changes, please let us know promptly.
• After you complete your online session, log off before surfing other sites or by turning off your PC.
• Review your account statements as soon as possible after receiving them.  Contact us immediately of any discrepancies.

How to Contact Us

If you have read this notice and have questions, you may contact I & M (Tanners Creek) Employees F.C.U. by mail, phone, or you may e-mail specific questions about this Privacy Notice and Disclosure.