Privacy Policy
Overview
Thank you for visiting Indiana Members Credit Union Web site and reviewing our privacy policy. Indiana Members Credit Union does not collect personal information about visitors to our Web site unless you choose to provide that information to us. To assure the continued privacy and confidentiality of your personal financial information, your credit union observes these practices and procedures:
Information We Collect
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications or other forms, such as name, address, social security number, debts, assets, and income.
Information about your transactions with us, our affiliates, or others such as your account balance, payment history, parties to transactions and credit card usage; and,
Information we receive from a consumer-reporting agency, such as your credit worthiness and credit history.
Information We Collect and Store Automatically
If you visit our Web site, we automatically gather and store the following information about your visit so that we can track the use of our Web site in order to make improvements. This information is stored and used in the aggregate only, and is not used to contact you personally:
The IP address from which you access our Web site
The name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an American Online account)
The type of browser and operating system used to access our Web site
The date and time you access our site
The pages, files, and documents and links that you visit
The Internet address of the Web site from which you linked to this Web site
Information We Disclose
We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose information about you under other circumstances as permitted by law.
Children and Privacy
Indiana Members Credit Union is concerned about protecting children’s privacy. We do not collect personally identifiable information from children. If a visitor is known to be a child (under the age of 13) and sends an email to Indiana Members Credit Union, we will only use it to respond to the writer and not to create profiles or otherwise retain the information.
Our Security Measures
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard your nonpublic personal information.
Linking
Within Indiana Members Credit Union’s Web site there are links to non-Indiana Members Web sites. When you link to third party Web sites you leave our Web site and no longer will be subject to our privacy policy. Indiana Members Credit Union is not responsible for the privacy practices nor the content of non-Indiana Members Credit Union Web sites, and such link is not intended to be an endorsement of the non-Indiana Members Credit Union Web site or its content.
Member Identification
Federal law requires financial institutions to obtain, verify, and retain certain information used to identify every individual opening an account. To comply with these regulations, you will be asked to provide your name, address, date of birth, and any other information that will allow us to identify you. In addition, you may be asked to provide a valid form of identification, such as a driver's license or another form of picture identification, before opening an account.
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.
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 income
- Account balances and payment histories
- Credit histories and credit scores
All financial companies need to share customers’ personal information to run their everyday business.Below we list 1) the reasons we can share your personal information, 2) whether we share it, and 3) whether you can limit this sharing.
Reasons We Can Share
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Does IMCU Share
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Can You Limit
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Your Personal Information
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This Information?
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This Sharing?
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For our everyday business purposes such as to
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process your transactions, maintain your
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Yes
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No
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accounts, respond to court orders and legal
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investigations, or report to credit bureaus
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For our marketing purposes—to offer you our
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Yes
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No
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products and services
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For joint marketing with other financial
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Yes
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No
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companies
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For our affiliates’ everyday business purposes—
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information about your transactions and
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No
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N/A
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experiences
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For our affiliates’ everyday business purposes—
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No
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N/A
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information about your creditworthiness
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For our affiliates to market to you
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No
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N/A
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For nonaffiliates to market to you
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No
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N/A
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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.
We collect your personal information, for example, when you:
- open an account or deposit money
- pay your bills or apply for a loan
- use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or othercompanies.
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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 nonaffiliates to market to you
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Definitions:
Affiliates—companies (financial or nonfinancial) related by common ownership or control
Nonaffiliates—companies (financial or nonfinancial) not related by common ownership or control
Joint Marketing—a formal agreement between non-affiliated financial companies that together market
financial products or services to you
1/1/11 Questions? Please call IMCU’s Phone Center at 317-248-8556 or 800-556-9268.
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