Website Privacy Policy
This privacy policy sets out how TruNorth Federal Credit Union uses and protects any information that you give TruNorth Federal Credit Union when you use this website.
TruNorth Federal Credit Union is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement. Our privacy policy is the same whether you are online or not.
TruNorth Federal Credit Union may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.
This policy is effective from April 2013.
What we Collect
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number
- Credit history
- Account balances
- Checking account information
- Payment history
- Wire transfer instructions
- When you are no longer a member, we continue to share your information as described in this notice.
How does TruNorth Federal Credit Union use my personal information?
All financial companies need to share members’ personal information to run their everyday business. In our Privacy Notice we list the reasons financial companies can share their members’ personal information; the reasons TruNorth Federal Credit Union chooses to share; and whether you can limit this sharing.
How does TruNorth Federal 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate
Security
We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
How we Use Cookies
A cookie is a small text file which asks permission to be placed on your computer’s hard drive. The main purpose of a cookie is to identify users and possibly prepare customized Web pages or to save site login information for you.
We use traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.Overall cookies enable our systems to recognize your browser and your information as you navigate and conduct transactions within Online Banking. If we did not use cookies within Online Banking, you would need to enter your account number and password each time you wanted to see another page or each transaction you initiate.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Links to Other Websites
Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question. A link from our website to another does not indicate that TruNorth Federal Credit Union endorses the services or policies of such third party websites.
Email
Any email link is provided for your convenience. Email is not secure and information can be read by others. Do not email information such as passwords, social security numbers, account numbers, mother’s maiden name, etc. It is recommended that the email security statement is provided prior to an email being generated.
Children’s Online Privacy Protection Act (COPPA)
TruNorth Federal Credit Union 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. We do offer one children’s program on our web site: Compass Club for children up to age 17. No information is collected from children to participate in the online activities and information found in these areas of our website.
BIOMETRIC INFORMATION PRIVACY POLICY AND CONSENT
Scope and Overview
This policy outlines how TruNorth Federal Credit Union, its vendors, and/or the licensor of the TruNorth Federal Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.
Biometric Data Defined
As used in this policy, biometric data includes “biometric identifiers” and “biometric information”. “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a “biometric identifier.” “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.
Disclosure and Authorization Policy
To the extent that TruNorth Federal Credit Union, its vendors, and/or the licensor of the TruNorth Federal Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, TruNorth Federal Credit Union must first:
Inform each consumer that TruNorth Federal Credit Union, its vendors, and/or the licensor of the TruNorth Federal Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the employee’s biometric data, and that the TruNorth Federal Credit Union is providing such biometric data to its vendors and the licensor of the TruNorth Federal Credit Union’s consumer verification software;
Inform the consumer of the specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used; and
Receive consent by the consumer authorizing TruNorth Federal Credit Union, its vendors, and/or TruNorth Federal Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by the TruNorth Federal Credit Union, and for TruNorth Federal Credit Union to provide such biometric data to its vendors and the licensor of the TruNorth Federal Credit Union’s consumer verification software.
TruNorth Federal Credit Union, its vendors, and/or the licensor of the TruNorth Federal Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from employees’ biometric data; provided, however, that the TruNorth Federal Credit Union’s vendors and the licensor of the TruNorth Federal Credit Union’s consumer verification software may be paid for products or services used by TruNorth Federal Credit Union that utilize such biometric data.
This policy is intended to comply with all federal, state, and local laws.
Purpose for the Collection of Biometric Data
TruNorth Federal Credit Union, its vendors, and/or the licensor of TruNorth Federal Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.
Disclosure
TruNorth Federal Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the TruNorth Federal Credit Union’s consumer verification software providing products and services using biometric data without/unless:
First obtaining consumer consent to such disclosure or dissemination;
The disclosed data completes a financial transaction requested or authorized by the consumer;
Disclosure is required by law or ordinance; or
Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.
Security
TruNorth Federal Credit Union shall use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which TruNorth Federal Credit Union stores, transmits and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license numbers and social security numbers.
Retention
TruNorth Federal Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of TruNorth Federal Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:
The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity;
Request of consumer to destroy the biometric data; or
Within 30 days of consumer’s provisioning of biometric data.
Contact Information
If you have any questions about our use, storage, or security of your biometric data you can contact us by phone at (906) 485-1210 or
Toll Free: 1 (877) 694-2328 or by email at trunorthcu@thecu.org
BIOMETRIC INFORMATION CONSUMER CONSENT
As outlined in the “Biometric Information Privacy Policy”, I understand and consent to the collection, use, retention, storage, and/or disclosure or re-disclosure of data or images from biometric verification technology by TruNorth Federal Credit Union, its vendors, and/or the licensor of the TruNorth Federal Credit Union’s consumer verification software. I acknowledge that I have been given a copy of the Policy, or that the Policy has been made accessible to me, and I have had an opportunity to review it and request any additional information concerning the TruNorth Federal Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.