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Privacy Policy

Below is an overview of what we do to keep your information private and secure.
 

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.
 
FACTS
WHAT DOES NORTH ISLAND CREDIT UNION
DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
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 and Account balances
• Payment history and Transaction history
• Risk tolerance and Checking account information
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons North Island Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information. Does North Island Credit Union share? Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Yes No
For our marketing purposes - to offer our products and services to you. Yes No
For joint marketing with other financial companies. Yes Yes
For our affiliates’ everyday business purposes - information about your transactions and experiences. No We don't share
For our affiliates’ everyday business purposes - information about your creditworthiness. No We don't share
For non-affiliates to market to you. No We don't share

Questions? Call (800) 848-5654

Who We Are  
Who is providing this notice? North Island Credit Union
What We Do  
How does North Island 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.
 
North Island Credit Union regularly tests our security procedures and performs enhancements as needed to protect member information.
How does North Island Credit Union collect my personal information?
We collect your personal information, for example, when you
• Open an account or Pay your bills
• Apply for a loan or Deposit money
• Use your credit or debit card
We also collect your personal information from others, such as credit bureaus or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purposes - information about your creditworthiness
• affiliates from using your information to market to you
• sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions  
Affiliates
Companies related by common ownership or control.
They can be financial and nonfinancial companies.
• North Island Credit Union has no affiliates
Non-affiliates
Companies not related by common ownership or control.
They can be financial and nonfinancial companies.
• North Island Credit Union does not share with non-affiliates so they can market to you
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Our joint marketing partners include credit card companies, insurance companies and mortgage companies.
 
Other important information
California law gives you the right to opt out of certain sharing. Please see the notice entitled "Important Privacy Choice for Consumers."
 
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.
 

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.
 

Online Privacy

North Island Credit Union is committed to providing you with a safe and secure online experience. It is a company-wide priority to ensure that your identity is secure and your resources are safe. This online privacy policy outlines how we manage these priorities as they relate to our web site and electronic communications. As systems advance and technologies develop, this policy will be updated and modified as needed. Throughout this policy there will be references to two distinct areas of online services:
  • "northislandcu.com" is the credit union website and includes all pages and content which may be publically accessed from any web browser. Anyone may anonymously access these pages.
  • "Digital Banking" is the online service which allows members to access their accounts online, perform account inquiries, transfers, bill payments, and other similar transactions. This service requires a user name and password and may only be accessed after a user account has been created.

Information Collection

North Island Credit Union does not collect any personally-identifiable information on myisland.com without your consent. We use website monitoring software to gather aggregate information about our visitors' browsing activities in order to improve our site and better serve our members. We use this data to analyze trends, track visitor movement, and gather demographic information. IP addresses are not linked to personally identifiable information. North Island Credit Union provides calculators and other online tools to assist visitors in making financial decisions. These tools do not collect or store any information entered by web visitors. Online loan applications require additional information necessary to process online requests and this information is protected in accord with the credit union’s Privacy Policy.
 
northislandcu.com does not knowingly collect or use personal information from children under 13.
 
When you sign on to digital banking, your identity is no longer anonymous; each signon ID corresponds to a specific member and that information is collected and retained. To ensure the security of your accounts, all actions are monitored and tracked. You should never share your signon ID with another person to ensure the security and privacy of your accounts and information. Refer to the digital banking access agreement for complete privacy, security, and usage information. Communicating Online with North Island Credit Union Emails and messages that are sent via myisland.com may not be secure. For that reason, please do not send confidential information such as Social Security or account numbers through unsecured email or the online message form but, instead, sign on to digital banking and submit a secure message through this system.
 

Security Procedures

North Island Credit Union understands the confidential and secure nature of your personal and financial data and has multiple security measures in place. Applications and forms found on myisland.com are submitted through secure, encrypted web pages. You can verify the security of a web page by looking for the “locked padlock” icon which most browsers display as a sign of a secure web page. To ensure the encryption of your web visit, you should ensure that you are using the most current web browser available. When you have signed on to digital banking, all transactions and information are secure. North Island Credit Union utilizes the latest in technology to monitor digital banking activity to protect your information and resources. Built-in security measures include a session time-out (your digital  banking session will automatically log out after a period of inactivity), sign on error lockout (after repeated incorrect sign on attempts), and multi-factor authentication to verify your identity before you can sign on.
 

Cookies

Digital banking employs "cookie" technology. A cookie is a small piece of data, which is placed on your computer at the start of each “session” when you sign on to let 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. If you disable cookies on your browser, the site may not function properly. Links to Other Websites northislandcu.com provides links to other websites that we believe are beneficial to our members by providing information, resources, and educational tools. We take great measures to select product and service providers that are committed to protecting the information of their visitors. However, when you use a link to go from our site to another website, our privacy policy is no longer in effect. North Island Credit Union does not provide, is not responsible, and assumes no liability for, any outside web site's content, information, products, services, privacy policies, security, or external links. If you decide to leave our site and access these third-party sites, you do so solely at your own risk. Any information you provide while visiting a website after leaving myisland.com will be governed by the privacy policy of that respective website. Additionally, third-party affiliate web sites may use cookies on their websites. We have no access to, or control of, these cookies, should this occur.
 

Interruption of Service

At certain times, myisland.com and/or digital banking may be unavailable due to system maintenance or circumstances beyond our control. North Island Credit Union conducts frequent and regular backups of your information and utilizes redundant information practices to protect your information from being lost, altered, or corrupted due to unforeseen equipment malfunctions.
 
For additional information you may wish to view the Important Privacy Choice for Consumers.