Privacy of Member Financial Information
- Internal Revenue Employees Federal Credit Union (IREFCU) shall protect the confidentiality, security and integrity of each member’s non-public information consistent with state and federal laws.
- IREFCU shall take careful and reasonable measures to protect the accuracy and privacy of all member information used in conducting business.
- IREFCU will not collect or maintain information about its members that is not essential for prudent business purposes.
Responsibilities
- IREFCU officers, directors, committee members and employees are required to hold in confidence all Credit Union transactions with members and all information in regards to members’ personal business.
- It is the responsibility of all officers, directors, committee members and employees to protect confidential member information.
- It is the responsibility of all officers, directors, committee members and employees to identify any potential area of exposure and to take steps to report such discovery and to assist in correcting the condition that could permit any potential security breach .
- It is, further, the responsibility of all officers, directors, committee members and employees to report any actual or threatened release of confidential information and to take steps as may be immediately available to prevent or to halt such release.
Sharing Information
- It is the policy to prohibit disclosure of member information to third parties (excluding Credit Union affiliates) concerning accounts with us, except:
(a) When such disclosure is necessary to complete transactions.
(b) To verify the existence and conditions of your account for a third party (such as a credit bureau) as is permitted by law.
(c) To comply with any court order or applicable laws or regulations.
(d) When given written permission by the member.
Federal law protects the information IREFCU provides to credit reporting agencies and its use is strictly governed by the Fair Credit Reporting Act.
2. IREFCU does not and will not sell or provide personal information to third parties for independent use.
Administration & Amendments
- Protecting member privacy is an ongoing process and IREFCU will continue to review the measures taken to safeguard member information.
- If member information is ever shared with vendors, all contracts and agreements between the vendor and IREFCU will include a guarantee that the vendor will safeguard such information.
- Since no policy can address every possible contingency and circumstance, IREFCU management shall use its good faith business judgment in administering this privacy policy, and expects that all employees and committee members will use good faith in their actions to protect the privacy of credit union members.
IREFCU reserves the right to amend this policy in any respect.
Online Information Practices
We understand that you care about how information about you is shared and used, and we appreciate the trust you place with us. At the core of our commitment to protect the people that matter most in your life, is a commitment to protect your privacy in all situations. Our policies and procedures are designed to protect your personal information. This statement describes our commitment to your privacy.
We are committed to protecting your personal privacy as you visit this website. As a visitor to our site, you have the right to understand our privacy and security practices prior to providing the companies of CUNA Mutual Group with personal information.
Information We May Collect
The information we collect varies depending on the type of activity you are performing and helps us personalize and continually improve your experience. Much of our website can be accessed without providing any personal information. On all pages that collect personal information, we specifically indicate what information is required in order to provide you with the product or service you have requested.
Online Applications and Enrollment Forms
When you apply online for products or services, we may need to collect personal information in order to complete your request. The personal information we collect varies depending upon the product or service for which you apply. Examples of information we may collect include information such as your name, address, date of birth, gender, employment and financial information, address, email address, Social Security number, beneficiary information, credit card number, etc. Information we capture through applications or enrollments is securely transferred to the corresponding business area for completion.
Browsing
When you visit our site, we gather information including page requests (URL requests), time of your visit, your IP address, operating system, web browser software, and any cookies which were set during a previous visit to our site. This information is collected to improve your overall experience. We also use the information to track site usage and compile statistics. This helps us improve the site so that you will find it more useful and informative and enable customized promotions you may be interested in. IP address information is not distributed to third parties.
Google Analytics
We use a tool called “Google Analytics” to collect information about use of this site. We have implemented the Google Analytics Demographics and Interest Reporting feature. This feature consists of a series of reports where we can see behavior information relating to visitor age, gender and interests. This data can also be used to segment standard reports and create remarketing lists. Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ad Settings (Opens in new window). You can opt out of Google Analytics without affecting how you visit the Application. For more information on opting out of being tracked by Google Analytics, visit this Google page (Opens in new window).
Financial Calculators
We offer online financial management calculators to assist you in your personal financial analysis and planning efforts. The information necessary to perform the calculations includes personal financial information. Where you are logged/signed in to your own secure account, we may store and retain the information you enter to improve your experience and to offer you information about other products and services that may benefit you.
How We Use Your Information
Information collected through this website may be used to:
- Improve the quality of your visits to our site, and your overall experience
- Respond to your questions or suggestions
- Fulfill your online application or enrollment requests and otherwise service your transaction
- Send offers or information about products and/or services that may interest you
Control And Access To Your Information
We enable you to have control over the accuracy of your personal account information. You can delete or change your personal account information at any time by contacting us via a method described under “Contact Us” in the top menu.
Cookies
A cookie is a file containing data that a website can send to your browser, which is then stored on your system. A cookie is useful for having the browser remember specific information across several pages or between visits to a website. We do not store any sensitive information within your cookie. Also, our site does not read any information stored in cookies given to you from other websites, except in rare cases where the other website is a provider of information or functionality within our website and that cookie is necessary to make our website function correctly.
Our website makes use of cookies for the following purposes:
- Website administration and personalization
- Completing your request
- Analysis of page and website information that does not identify specific individuals
You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it. Browsers may also be set up to display a warning when a cookie is used. You may even disable your browser from accepting cookies. In order to provide you with the best possible experience while visiting our website, please enable cookies within your browser. Many parts of our site do not function properly if you disable cookies.
Linking To Third Parties
When you leave this website and go to another linked site, we are not responsible for the content or availability of the linked site. Please be advised that if you enter into a transaction on the third party site, we do not represent either the third party or you. Further, the privacy and security policies of the linked site may differ from those practiced by us.