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Privacy Policy

What we do to keep information about you private and secure

 
 
 

On this page:

Introduction

North Island Credit Union ("Credit Union") is a member-owned financial cooperative, governed by a board of directors elected by the membership. We are committed to, and have a long-standing policy of, protecting the confidentiality and security of our members' personal information and ensuring the accuracy of such information. As you know, during the course of our business relationship with you, we collect and maintain information about you to enable us to conduct our business in a manner consistent with laws and regulations, and to provide you with information and offers on competitive, quality products and services, to meet your financial needs.

To help us meet those needs, we have entered into agreements with other companies that provide either services to us, or financial products for you to consider. Under these arrangements, we may share the information we collect, as described below, with companies that perform marketing or other services on our behalf or with other financial institutions with whom we have joint marketing agreements.

You can be sure that in order to protect our members' privacy, we only work with companies that agree to safeguard and limit the use of information we provide. We do not permit these companies to sell the member information we provide to them.

This privacy notice describes the kind of information we obtain in the ordinary course of business, the kind of information we share with others, and the types of companies with whom we share this information.

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Information We Receive

We gather personal information primarily from you. For example, when you open an account with us, give us your address, employment information, income, social security number and the like. We may also obtain similar information from other sources; for example, when you apply for a loan we may order a credit report from a consumer-reporting agency, or, when we verify information you provided to us, i.e. other financial institutions where you've done business. We maintain records containing personal information resulting from our business experience and transactions with you. This information is collectively termed "nonpublic personal information." Throughout this notice, we will refer to it simply as "member information."

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Information We Share

We may share the member information received by us, as referred to in the previous paragraph, with certain non-affiliated companies that perform marketing services on our behalf, or with other financial institutions with whom we have joint marketing agreements. We, of course, require these companies to keep this information confidential.

We may also disclose member information to non-affiliated third parties as permitted or required by law. In this last instance, these disclosures typically include information to process transactions on your behalf, follow your instructions, respond to legal process, or protect the security of the Credit Union's financial records.

You can be confident that North Island Credit Union does not sell member information to any third party for the purpose of solicitation or any other purpose, or provide such information to a third party, for its own, independent use.

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Former Members

Concerning former members of the Credit Union, we disclose no information except as permitted or required by law.

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Protecting Your Information

We restrict access to member information to those employees who need to know that information so as to allow them to provide products and services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

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Other Companies' Mailings

If you would like to reduce the amount of advertising you receive from other companies, you can write to them as follows

Mail Preference Service
c/o Direct Marketing Association
P.O. Box 9008
Farmington, NY 11735-9008
 
Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 9014
Farmington, NY 11735-9014

You should include complete information about each name, address and phone number you want excluded.

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(04/05)

Important Privacy Choice for Consumers

You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choice below.

Your Rights
You have the following right to restrict the sharing of personal and financial information with outside companies we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.

Your Choice
Restrict Information Sharing With Outside Companies We Do Business With To Provide Financial Products and Services:

Unless you say "No," we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

Time Sensitive Reply

You may make your privacy choice at any time. Your choice will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with outside companies with whom we have contracts to provide products and services.
 
To exercise your choice call this toll-free number 800/305-1280 leave your name, account number and daytime phone with your privacy preference. Please allow 30 days to process your request.

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(04/05)

Online Privacy

By visiting the credit union web site, ("MY ISLAND"), you consent to our collection and use of your personal information as described in this policy. This policy applies to individuals and we reserve the right to change this online Privacy Policy, along with related procedures, at any time.

Information Collection

North Island Credit Union collects personal information when you register for a MY ISLAND profile. When you access web pages at MY ISLAND,the credit union may combine information about you that you provide with information we currently have on file.
 
When you register we ask for your email address. For member access to additional products and services, we also ask for your Social Security or Tax ID number and specific account information. Once you have registered at MY ISLAND and log in to the services, you are not anonymous to us.
 
We use website browser software tools such as web server logs to gather information about our visitors' browsing activities in order to constantly improve our site and better serve our members. This information assists us in designing and arranging our web pages in the most user-friendly manner and provides us with data which enables us to continually improve our site to better meet the needs of our members and prospective members. North Island uses this information for the following general purposes: to customize the content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide trend reporting for internal and external clients. Additionally, we may keep personally identifiable information you provide to us, along with information we collect from outside sources, so that we can offer you accounts and services better tailored to your financial needs. We also use site log files and IP addresses to analyze trends, administer the site, track MY ISLAND users' movements, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.
 
The information you provide to North Island through online surveys and promotions on the site will be used for internal marketing purposes, as well as for the development of new services and information on the site. This information will remain confidential and will not be shared or sold to third parties.
 
We take great measures to select product or service providers that are responsible and offer privacy protections to their members. However, we cannot, and do not, make any representations about the practices and policies of these companies, and are not responsible in any way for how these companies use any information you provide to them.
 
From our website, we do not knowingly collect or use personal information from children under 13.
 
North Island provides many calculators on our website to assist visitors in making financial decisions. The website calculator tools do not collect or store any information that is entered by web visitors.

Updating Your Profile

You can edit your MY ISLAND profile, including your membership status, at any time. You may delete your MY ISLAND profile by visiting our Account Deletion page. Some information will remain in our archived records after your MY ISLAND profile has been deleted. If you terminate your membership with North Island, we will not share information we have collected about you, except as may be permitted or required by law.

Termination

North Island reserves the right to terminate your access to any MY ISLAND services, in whole or in part, at any time. If you do not access MY ISLAND for any twelve (12) month period, we may delete your MY ISLAND profile.

Confidentiality and Security

Your MY ISLAND information is password-protected. North Island uses industry-standard SSL encryption to protect data transmissions. Emails that you may send without logging in to MY ISLAND may not be secure. 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.
 
We provide a number of additional security features at MY ISLAND. After logging in, your online "session" will "timeout" after 15 minutes of inactivity and you will be automatically logged off. This prevents other individuals from accessing your personal information in case you have left your PC unattended without logging out. When you submit your password, it is compared with the password we have stored in our secure database. We allow you to enter your password incorrectly two times. If you enter your password incorrectly more than two times, your access to MY ISLAND will be locked until you call us to reactivate the account. We monitor and record "bad login" attempts to detect any suspicious activity, such as someone trying to guess your password.

Cookies

MY ISLAND employs "cookie" technology. A cookie is a small piece of text, which is stored on your computer and acts as a tool for controlling certain system variables in the web environment. North Island uses cookies to maintain information that will improve the performance of the system or benefit our members in some way. No personal information, other than what is voluntarily submitted, is obtained in this process, and we do not use cookies to identify what other websites you have visited.
 
North Island may place a cookie on your computer to:

  1. Allow you to sign on without additional validation
    If you signon to the online banking system and designate your PC as "private," a cookie will be placed on your machine. This will shorten the signon process the next time you visit the site.
  2. To ensure the security of your data
    North Island places a cookie on your computer at the start of each "session," when you are first validated and signed on to online banking. This cookie lets our system know that you are an authorized user. This cookie is used throughout your entire session to allow you access to your account information. When you logout and/or exit your web browser, the cookie holding this information will be deleted, and will not be stored on your computer.

Some of our associated companies may themselves use cookies on their own websites. We have no access to, or control of these cookies, should this occur.

Interruption of Service

At certain times, MY ISLAND may not be available due to system maintenance or circumstances beyond our control. North Island conducts frequent and regular backups of your information and utilizes redundant information practices to protect your information from being erroneously altered due to unintentional errors and equipment malfunctions.

Internet Access Fees and Telephone Charges

You agree to be solely responsible for any telephone charges, internet access fees, and other such similar fees and expenses you incur by accessing MY ISLAND through this site. Please note that these fees may be assessed and billed separately by your online service provider or phone company. Your MY ISLAND profile is created free of charge.

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Changes to Privacy Policy

North Island Credit Union may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your MY ISLAND profile or by placing a prominent notice on our site.

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Links

We are not responsible for practices employed by websites linked to or from our site, nor the information, content, accuracy, or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by us, nor do we maintain any editorial or other control over such websites. Inclusion of any linked website on our site does not imply approval or endorsement of the linked website by us. This remains true even where the linked site appears within the parameters or window/frame of our site. Often, links to other websites are provided solely as pointers to information on topics that may be useful to users of our site. Please remember that when you use a link to go from our site to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites which have a link to our site, is subject to that website's own rules and policies. We are not responsible for the data collection and practices of third parties linked to our website. Please read the rules and policies of the third-party sites before proceeding. If you decide to leave our site and access these third-party sites, you do so solely at your own risk.

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(04/05)