Information Collection & 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.
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.
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 firstname.lastname@example.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.
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.
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