Internet Privacy Policy
This privacy policy describes the current Web site policies
and practices of Hermantown Federal Credit Union, with regard
to personal data collected by Hermantown through this Web
site.
Information Collection and Use
Hermantown Federal Credit Union is the sole owner of the information
collected on this web site. We will not share, sell or rent
this information to others in ways different from what is
disclosed in this statement. Hermantown FCU collects information
from our members at several different points on our Web site.
We collect, retain, and use information about you only where
we reasonably believe that it will help administer our business
or enable us to provide products, services, and other opportunities
to you. We use this information about you only for specific
business purposes – and we will tell you why we are
collecting and retaining it upon your request. We use your
information to protect and administer your records, accounts
and funds, to comply with certain laws and regulations, to
help us design or improve our products and services and to
understand your financial needs so that we can provide you
with quality products and superior service.
Children
Hermantown Federal Credit Union does not knowingly collect
personal data from children under the age of eighteen on our
web site. If you are under eighteen, please do not give us
any personal data. If you have reason to believe that a child
has provided personal data to Hermantown FCU through this
web site, please contact us, and we will endeavor to delete
that information from our databases.
Registrations or Applications
In order to use certain features of this Web site, a member
must first complete a registration form or application. These
forms may require a member to give their contact information
(such as name and email address). This information is used
to contact the member about the services on our site for which
they have expressed interest. It is sometimes required for
the member to provide demographic information (such as income
level), and unique identifiers (such as social security number).
This information is used to process requests such as loan
and membership applications. Without this information we may
not be able to process your request. All information gathered
is subject to our information collection and use standards
detailed in this statement.
Communication by Email
You may use Hermantown's Web site to contact Hermantown Federal
Credit Union. Hermantown only uses any information you send
us by email internally. We will respond to all email messages
in a prompt and proper manner.
Restrictions on Disclosing Information to Parties
Outside of Hermantown
We do not reveal specific information about your accounts
or other personally identifiable data to parties outside of
Hermantown for their independent use unless:
- you request or authorize it;
- the information is provided to help complete a transaction
initiated by you;
- the information is provided to a reputable credit bureau
or similar information reporting agency; or
- the disclosure otherwise is lawfully permitted or required.
We do not provide account or personal information to outside
companies for the purpose of independent telemarketing or
direct-mail marketing of any non-financial products or services
of those companies. Sometimes it is necessary to provide personally
identifiable information about you to a party outside of Hermantown,
such as to a vendor or service company that we hire to prepare
your account statements or to provide support or services
for one or more of our products. These vendors and service
companies agree to safeguard our confidential information
about you and your products and services with us and must
abide by applicable law.
Links
Hermantown FCU's Web site contains links to other sites. Please
be aware that we are not responsible for the privacy practices,
content or operation of such other sites. These links are
provided for your reference and convenience only. We encourage
our members to be aware when they leave our site and to read
the privacy statements of each Web site that collects personally
identifiable information. This privacy statement applies solely
to information collected by Hermantown FCU's Web site.
Surveys & Contests
From time-to-time Hermantown may request information from
members via surveys or contests on its' Web site. Participation
in these surveys or contests is completely voluntary and the
member therefore has a choice whether or not to disclose this
information. Information requested may include contact information
(such as name and address), and demographic information (such
as zip code and age level). Contact information will be used
to notify the winners and award prizes. Survey information
will be used for purposes of monitoring or improving the use
and member satisfaction of Hermantown FCU's Web site and other
Hermantown products and services.
Correction/Updating Personal Information
We have procedures to help assure that your financial and
personal information is accurate, current and complete in
accordance with commercial standards. We also have procedures
to respond to your requests to correct inaccurate information
in a timely manner. While federal or state law requires some
of these procedures, we have implemented additional procedures
to maintain accurate, current and complete information, including
processes to update information and remove outdated information.
If your personal information has changed, you may notify us
by email at hfcu@cpinternet.org or by phone at (218)729-7733
or (888)765-3683.
Visitors to Hermantown FCU's Web site are notified when their
information is being collected by any outside parties. We
do this so our visitors can make an informed choice as to
whether or not they should proceed with services that require
an outside party.
Log Files
We use IP addresses to analyze trends, administer the site,
track which pages our Web site visitors view and gather broad
demographic information for collective use. IP addresses are
not linked to information that can personally identify you.
Security
This Web site takes every precaution to protect our members'
information. When a member submits sensitive information to
Hermantown, their information is protected both online and
off-line.
When our forms ask members to enter sensitive information
(such as credit card number or social security number), that
information is encrypted and is protected with the best encryption
software in the industry – SSL (Secure Sockets Layer).
While on a secure page, such as our loan application form,
the lock icon (typically a picture of a key or padlock) on
the bottom of Web browsers (such as Netscape Navigator and
Microsoft Internet Explorer) becomes locked. When you are
‘surfing' on a page that isn't secure, the lock icon
is unlocked, open or not visible.
While we use SSL encryption to protect sensitive information
online, we also do everything in our power to protect member
information offline. All of our members' information, not
just the sensitive information mentioned above, is restricted
in our offices. We have procedures that limit employee access
to personally identifiable information to those employees
with a business reason to know such information about you.
We educate our employees about the importance of confidentiality
and member privacy through standard operating procedures,
special training programs and our policies on ethics. We take
appropriate disciplinary measures to enforce employee privacy
responsibilities.
The servers that we use to store personally identifiable
information on are protected by industry standard technologies.
Notification of Changes
Hermantown FCU is continually improving and adding new functionality
and features to this Web site and improving and adding to
its existing products, services and programs. Because of these
ongoing changes, Hermantown FCU's data practices will change
from time to time. If we change our privacy policy, we will
post those changes on our Web site so our members are always
aware of what information we collect, how we use it, and under
what circumstances, if any, we disclose it.
Questions?
If you have any questions about this privacy policy, or this
Web site, please email
us.
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