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.|
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|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
|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
|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 nonaffiliates 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
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
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfi nancial companies.
|Joint marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|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.
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.
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.
When you sign on to online 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 online 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 online banking and submit a secure message through this system.
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 online banking, all transactions and information are secure. North Island Credit Union utilizes the latest in technology to monitor online banking activity to protect your information and resources. Built-in security measures include a session time-out (your online banking session will automatically log out after a period of inactivity), signon error lockout (after repeated incorrect signon attempts), and multi-factor authentication to verify your identity before you can sign on.
Online 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
Interruption of Service
At certain times, myisland.com and/or online 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.