Website Security Statement / Website Privacy Practices
We are committed to maintaining our website as a useful and user-friendly communications resource for our members. Naturally, security of personal information is a significant concern to all of our online members. As a financial institution, we share your concern and employ sophisticated security methods. SafeAmerica Credit Union is connected to the Internet in a way that keeps all the Credit Union's internal systems and member information away from prying eyes. As our internet services develop, our primary focus will be to maintain the high security standards we now have in place and we will keep you, the member, informed about those developments.
The security of the communications between your computer and our servers is protected using cryptography. Cryptography scrambles messages exchanged between your browser and our online banking server. When you log-in to a secure part of our online banking using your password your browser establishes a secure session with our server. The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers that are only known between your browser and our server. After the keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server. Both sides require the keys because they need to de-scramble (decrypt) the messages when they are received. The SSL protocol, not only encrypts your data, but also prevents another browser from impersonating your browser, or altering any of the information sent. You can tell whether your browser is in secure mode by looking for the secured lock symbol at the bottom of your browser window and noticing that the URL (web site address) changing from http to https. SafeAmerica's website offers this secure encryption for online banking sessions. You will be required to use your online banking password to enter secure areas. SafeAmerica offers this secure encryption for online banking sessions and for certain online forms such as WebLoan. Emails are generally not secure.
Your Credit Union Online Banking Password
Your online banking password identifies you as the only authorized user with access to your account information. Be sure to change your password frequently, every six months or so. Use a long creative password with numbers and letters. Avoid using easily guessed or learned information as your password.
Your Role in Online Banking Security
It is important that you, the user, not only keep your password secure, but also use sound computer terminal practices so that others cannot access your personal and financial information.
If you are using SafeAmerica's online banking in a public place, you should logout when you finish by clicking "Log-off". Any future transactions will then require a password. If you forget to logout, then you are automatically logged out after seven minutes.
Your personal pages that you have viewed with online banking stay in your browser's cache. If you leave the browser running on a computer in a public place, then other people can use the "Back" button to view your balances and other personal information. If you are concerned with privacy, then after logging out you should clear the browser's disk and memory cache and exit the browser.
Specific Website Data Privacy Practices
While Visiting our Website
When you visit our website, we will collect information about your visit. This includes statistics collected by our Web servers through "log files". These statistics include a record of Web pages, images, file downloads and other data specific to your visit. We also collect personal information you provide us such as name, address, and other information. When you visit our site, we gather anonymous statistics in order to monitor our services and related equipment. We also gather your personal information in order to properly identify you and fulfill requests initiated directly by you.
Our website may contain links to other websites. We are not responsible for the privacy practices or the content of the linked Web sites and encourage you to fully review those third parties' privacy and security statements, because they may differ from ours.
SafeAmerica Credit Union provides several online form resources (i.e.: loan application, real estate information request, contact us) to better serve the needs of its members. Personal information provided by a user via any of the credit union's online forms is used by SafeAmerica only to process the member's request for service. All information that passes between SafeAmerica's website and the user's computer is encrypted to protect the user's privacy.
Personal information transmitted to SafeAmerica Credit Union may be used by Credit Union staff to respond to inquiries for service or information or to improve the service that the Credit Union provides. Since email communication may not be secure against interception by unauthorized individuals, users should seek alternatives to email when it is necessary to provide sensitive or personal information. Likewise, the Credit Union will not transmit sensitive or personal information when communicating via email.
Children's Online Privacy
Our online financial services are not designed for or directed toward children under the age of 13. We do not knowingly online collect information from or market to children under the age of 13.
PRIVACY OF MEMBER AND FORMER MEMBER INFORMATION
(Notice Provided Pursuant to the Gramm Leach Bliley Act, 12 CFR Part 716)
What this policy covers:
This policy covers "non-public personal information," which is called "personal information", in this policy. This means personally identifiable information that SafeAmerica Credit Union, obtains about you in providing services to you. It does not cover information actually obtained from public sources such as telephone directories without reference to information supplied by you in connection with requests for financial services. It does not cover information not identified with any individual member. In this policy, the term "member" refers to both current and former members, and also refers to non-member joint owners of accounts and non-member obligors on loans.
Where we may collect personal information about you:
- From your applications for our services;
- From consumer reporting agencies such as credit bureaus;
- From third parties we ask to verify information you have provided on your applications for our services, such as employers or other creditors;
- From third parties with whom we have arrangements to provide services to you, such as financial institutions whose ATMs you use, merchants who accept your Credit Union credit card, mortgage lenders or vehicle dealers;
- From cookies on our web site;
- From third parties we may contract with to help us develop our membership and service penetration.
Types of personal information we collect and may disclose about you to third parties as described in this policy:
We may disclose any personal information we have collected from the above sources to third parties. The types of personal information we collect and may disclose include but are not limited to your name, address, social security number, date of birth, transaction history with us, assets, or income.
Third parties to whom we may disclose personal information about you for the purpose of conducting our business with you:
- We may disclose information about you as required or allowed by law. Examples of general circumstances under which we may disclose information about you include but are not limited to:
- When necessary to provide services that you request;
- When necessary to conduct our business or protect the security of funds and information;
- When requested by our auditors, legal advisors, insurers, and regulatory agencies;
- If required to do so by law, such as when we receive a court order, levy, subpoena, or other valid legal process;
- If you give us written permission.
Specific examples of types of third parties to whom we disclose personal information as described above include but are not limited to:
- Credit bureaus;
- Third party vendors that assist us with providing or marketing Credit Union services, such as check printers, mail houses, plastic card processors, and vehicle dealers participating in our dealer loan programs (these are called service providers);
- Third parties involved in processing your Credit Union transactions, such as the Federal Reserve and other financial institutions;
- Third parties whose involvement in your transactions with us is necessary to meet our business needs, such as the Department of Motor Vehicles, companies that insure collateral you pledge as security for Credit Union loans, and debt collectors.
Our disclosure of information to Joint Marketing Partners:
We may share information about our members with joint marketing partners. Joint marketing partners are other financial organizations with whom we partner to jointly sponsor, endorse or offer financial products or services. When we share information with joint marketing partners, they agree to keep your information confidential and to disclose and use it only for purposes of marketing and providing the products and services to which the Credit Union and the partner agree. You have the right to opt out of our sharing information with joint marketing partners, but be aware that in some cases, this may limit the services you may be able to obtain.
SafeAmerica Credit Union does not have affiliates (entities we control or under common control with us).
Other information disclosure and use:
We do not share information with non-affiliated third parties except as outlined in this policy. If we enter into an agreement to promote the products or services of a third party who is not a joint marketing partner, we do so in a way that we maintain control of member information. The third party will receive non-public personal information about you only if you give us permission to release the information by requesting the product or service, or if you release the information directly to the third party when you become their customer.
Information regarding former members and other former customers:
We disclose information about former members and other former customers only as permitted or required by law. Subject to these limits, we may disclose any information we have about former members and other former customers.
Our maintenance of the privacy and security of your information:
Credit Union staff, management and volunteers are trained to keep member information strictly confidential. When appropriate and necessary to protect your privacy, we require third parties to whom we release personal information to agree in writing to maintain appropriate physical, procedural and electronic safeguards to protect the information and to limit their use and disclosure of personal information to purposes that we authorize. Within the Credit Union, we maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your personal information.
Mobile/Cellular Contact Policy
By providing us with a telephone number for a mobile/cellular phone or other wireless device(s), you are expressly consenting to:
Receiving communications – including but not limited to text messages, prerecorded or artificial voice message calls, and calls made by an automatic telephone dialing system - from us and our affiliates and agents at that number. You certify that you are the owner of the contact number or are authorized to grant SafeAmerica Credit Union consent to contact you at the number provided. This express consent applies to each such telephone number that you provide to us, or that we obtain, now or in the future and permits such calls regardless of their purpose. Calls and messages may incur access fees from your mobile/cellular provider.
You should retain a copy of this Agreement (and any information that the Credit Union provides you regarding changes to this Agreement) for as long as you maintain your account with us.
Our right to change this policy: