Your financial privacy is our priority
How we protect your information
Community Resource is committed to protecting the privacy of our members’ account. We restrict access to personal, non-public information about you to those employees who have a specific business purpose for using the information. Our employees are trained on the importance of maintaining member confidentiality and privacy. We maintain physical, electronic and procedural safeguards that comply with federal regulations as well as leading industry practices to safeguard your personal, non-public information.
What information we collect and why
Community Resource collects the following personal, non-public information about you from a variety of sources:
Information to provide you with financial products and services such as your name, address, social security number, assets, income, account balance, payment history, parties to transactions and credit card usage from loan applications or other forms or from other companies that work closely with us.
Information for the purposes of establishing and maintaining an account or obtaining credit and for any update, renewal, or extension of credit received such as your creditworthiness and credit history from credit reporting agencies.
Information from current or past employers, other financial institutions and other sources for verification of the information you provide on applications.
Information we share and why
Community Resource is committed to providing you with competitive products and services to meet your financial needs. Consequently, we must share nonpublic personal information about you to complete your transactions, to provide you with certain financial opportunities. In order to do so, we have entered into agreements with third party companies that provide either service to us or additional financial products for you to consider. These companies include data processors, credit, and debit card processors, check printers, check clearing companies, collection companies, attorneys, licensed brokers and investment companies, IRA service suppliers, consulting companies and statement processors and mailers. We also share information with legal, regulatory and auditing third parties when necessary to conduct a criminal investigation, to satisfy certain regulatory and audit requirements, and to comply with IRS and state government information reporting requirements. We do not sell member lists and we do not share nonpublic personal information with companies that we do not have an affiliation with.
Under these arrangements, Community Resource may disclose all of the information we collect to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and who limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.
Community Resource may disclose information we collect about you under other circumstances as permitted or required by law. This disclosure typically includes information to process transactions on your behalf, conduct the operations of the Credit Union, follow your instructions as you authorize or protect the security of our financial records.
If you terminate your membership with Community Resource, we will not share information we have collected about you, except as permitted or required by law.
If you do not wish to have your name included in the sharing of information please contact the Credit Union and your name will be removed from any future third party contacts.
How to protect your account
Protect your account numbers, card numbers, personal identification numbers (PINs), and passwords. Never keep your PIN with your debit or credit card as doing so provides easy access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers, social security numbers, or any other sort of identifying information to other persons.
Keep your information current. It is important that we have your current address, phone number, and email address in case there is fraudulent activity in your account.
Under no circumstances will Community Resource, our regulator (NCUA), or affiliates ever contact you by phone, mail or email to request your account number-PIN or other personal, nonpublic information. If you receive an unsolicited request for your personal or account information, please contact us before you respond or click on any link.
How we handle information about you when you visit our website will depend on what you do when visiting the site.
If you visit our website to read information and do not use any of our online services, then we collect and store only the name of the domain from which you access the Internet, the date and time you access our website and the Internet address of the website from which you linked directly to our website. We may record the “IP address” assigned to you by your internet service provider as part of this process. We use the information we collect to measure the number of visitors to the different sections of our site and to help us make our website more useful to visitors.
When you visit our website or use our electronic banking services, there may also be times when you are asked to provide information about yourself that is personally identifiable (“Personal Information”). This may include any of the following:
- your first, middle and last name,
- your home or other physical address (including street name and name of a city or town),
- your e-mail address,
- a telephone number,
- social security number,
- account number,
- date of birth,
- mother’s maiden name, and
- password or any other identifier that permits physical or online contact with you.
Personal Information might be needed or requested from you so you can register for banking or other services, or to fill out our forms or applications for services, for special promotions or contests, to accomplish transactions you request (such as bill payment or other banking services), or send you important information regarding the services, changes, to this Policy and/or other similar administrative information. This may result in sharing of Personal Information with third parties (such as data processors or service bureaus) as part of servicing your accounts or transactions.
There may be a need for you to contact us to make changes to your Personal Information. When you contact us through our website or online banking, a credit union representative will contact you shortly after to ensure the validity of the request. Upon verifying your identity and confirmation of the request, the changes will be documented within the appropriate account forms to be signed by you. No changes will be made until the fully executed account forms have been received by the Credit Union.
When you supply us with your postal or e-mail address or telephone number online, you may receive periodic mailings or telephone contact from us with information on new products, services or upcoming events. If you do not wish to receive such mailings or contact, please call us or write us at the telephone number or address shown on your account statement. Please provide us with your exact name, street, and e-mail address. Even if you make this choice, we may still send you an e-mail to deliver your statements (which may include marketing materials) or give you account-related notices or other information.
While you are logged on viewing your account information or conducting online transactions with us, we recommend that you do not access other websites during your online session. Always exit from your online session with us before moving to or accessing other websites and prior to turning off your computer.
Some browsers allow you to reject cookies. However, if you set your browser to reject cookies, you may find that you are unable to conduct your online transactions with us. If you choose to NOT accept cookies while accessing web pages on the Internet, we suggest that you enable acceptance of cookies when you are logged onto your online session with us. For detailed instructions on enabling and disabling cookies, refer to your web browser’s online HELP menu or user manual.
Our Site does not process or respond to “do not track” requests or other similar web browser mechanisms, which enable users to indicate an opt-out preference regarding the collection of Personal Identifiable Information. By using our Site, you acknowledge and agree that anonymous information may be collected. By completing a form or other request for information, you agree to the collection of this information. Please note that industry standards are currently evolving and we may not separately respond to or take any action with respect to a “do not track” configuration set in your internet browser.
You may also decide to send us information that personally identifies you, for example, in an electronic mail (e-mail) message. We will use that information to respond to the inquiry and provide accurate information in response to questions. We preserve your e-mail address, our response, and the original content of your e-mail for a period of time so we can efficiently handle any follow-up questions you may have. We also do this for legal, regulatory and account servicing requirements.
If you visit our website or engage in any online services that we offer, then we may collect and store these categories of Personal Information. We will not share the Personal Information you provide us on our website or by e-mail, except as described below. The Personal Information we obtain from you is stored with us if it is to be used on an ongoing basis.
We want you to use our website with confidence, knowing that the information you submit to us is secure. The encryption strength varies depending on the browser you are using, however, most current browsers offer 128-bit encryption. Additionally, many browsers display a secured lock symbol to indicate a secure connection. Emails that you may send to us outside our online banking service may not be secure unless we advise you that security measures will be in place prior to your transmitting the information. For that reason, we ask that you do not send confidential information such as social security or account numbers to us through an unsecured email.
For clients, when you log in to Internet Banking the Secure Socket Layer (SSL) protocol is used to establish a secure and encrypted session with our service providers. This encryption is designed to ensure the privacy and integrity of the information exchanged. You can tell whether your browser is in secure mode by looking for the secured lock symbol on your browser window. To obtain details about the encryption, position your mouse over a blank area of your screen and right-click to select “properties” information about the page being viewed (Note: the title for “properties” will vary by browser). The properties or page information section will indicate the encryption strength being used to view the secure page.
We have implemented multifactor and multilayer authentication, in addition to online banking user security, which requires multiple pieces of information to validate identity while ensuring compliance with regulatory requirements and Federal Financial recommendations. Multifactor Authentication automatically monitors accounts for unusual activity based on account history and requires customers to verify their identity by answering pre-selected challenge questions. Token solutions for online banking provide hacker-resistant multi-factor authentication protection for online transactions. Based on time-synchronization technology, this authentication device solution generates a simple, one-time authentication code that changes at the push of a button. Clients are thus able to access their account online by entering the token code following their existing login credentials – resulting in a unique, one-time-use passcode that positively authenticates the client and only permits access to online banking if the code is validated.
CHANGES TO THE ONLINE PRIVACY AND SECURITY POLICY
From time to time, we may make changes to this Policy in order to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We encourage you to review the Policy periodically to ensure that you understand how we collect, use and share information through the Services. If we do make changes to the Policy, we will also update the “Revision Date” posted at the top of the Policy.