Privacy & Security Disclosure
Privacy
Advance Financial Federal Credit Union is owned by its members and
run by a Board of Directors you elect. You can be confident that
your financial privacy is a top priority of this credit union. We
are required by law to provide you with this notice to explain how
we collect, use and safeguard your personal financial information.
If you have any questions about this disclosure or what it says,
please contact a Member Service Representative at 219.392.3900
or 800.888.0959 outside of Lake County, Indiana.
We are committed to providing you with competitive products and
services to meet your financial needs, which necessitates that we
share information about you to complete your transactions and to
provide you with certain financial opportunities. In order to do
so, we have entered into agreements with other companies that provide
either services to us or additional financial products for you to
consider.
Information We Collect and Disclose About You
We collect the following nonpublic information about you from a
variety of sources and may disclose all the information we collect
to companies that perform marketing services on our behalf or to
other financial institutions with whom we have joint marketing agreements.
- From membership and loan applications and other forms, we obtain
information such as name, address, Social Security number and
income
- From your transactions with us or other companies that work
closely with us to provide you with financial products and services,
we obtain information such as your account balances, payment history,
parties to transactions and credit card usage.
- From consumer reporting agencies, we obtain information such
as your creditworthiness and credit history.
- From verifications of information you provide on applications
and other forms, we obtain information from current or past employees,
other financial institutions and other sources listed on the application.
We may also disclose information we collect about you under circumstances
as permitted or required by law. These disclosures typically include
information to process transactions on your behalf, conduct the
operations of our credit union, follow your instructions as you
authorize or protect the security of our financial records.
If you terminate your membership with Advance Financial, we will
not share information we have collected about you, except as permitted
or required by law.
How We Protect Your Information
We restrict access to nonpublic personal information about you to
only those employees who have a specific business purpose for accessing
and utilizing your data. Our employees are trained in the importance
of maintaining confidentiality and member privacy. We maintain physical,
electronic and procedural safeguards that comply with federal regulations
and leading industry practices to safeguard your non-public personal
information.
Protecting Children’s Online Privacy
Advance Financial does not knowingly collect, nor is our Web site
designed or directed, to use personal information from children
under the age of 13 without containing verifiable consent from their
parents. Should a child whom we know to be under the age of 13 send
personal information to us, we will only use that information to
respond directly to that child, seek parental consent or provide
parental notice.
Security
In order to provide our members with a secure home banking system,
CU Online is designed with multiple levels of electronic and physical
information security. The security infrastructure in place is a
combination of: 1) security components, such as routers, firewalls
and intrusion detection systems, 2) controls and procedures designed
for configuring, monitoring and reporting on these components and
3) ongoing validation of the effectiveness of these components.
Secure Data Transfer
CU Online utilizes a Thawte (a VerisSign Company) Global Certificate
on the Web Server to force a 128-bit encrypted session with the
user when they log on. By exchanging messages using the public/private
key pair, the member can be assured they are actually communicating
with the ASP (Application Service Provider) Web Server and not a
third party trying to intercept the transaction.
When a session is encrypted, the key icon at the lower left corner
of the browser’s screen becomes solid and a blue line appears
at the top of the screen. If the key icon appears broken, encryption
is not in use and the current session is not secure.
Router and Firewall
All requests must filter through a router and firewall before they
are permitted to reach the server. Together they are configured
to isolate and protect the remote environment by insuring that only
the traffic with the proper destination addresses and services are
authorized.
Cookies
Cookies are small pieces of information, sent from the server, to
be stored in a file on your computer. Cookies can be used for many
purposes, but at our site, a cookie is used to store security information
needed to maintain a secure, confidential connection to our Internet
server. You can disable the cookie-warning message, but you must
accept the cookies. Please refer to your browser’s HELP function
for instructions on changing your options for cookies.
Security Alert
The Internet has become an ongoing target for criminals who attempt
to commit identity theft. One of the most common schemes used is
through e-mail, an act called “phishing.”
The e-mail directs the user to visit a website to update personal
information such as passwords and credit card, social security and
bank account numbers that the legitimate organization already has
on file. The website, however, is bogus and set up only to steal
the user’s information.
To help prevent identity theft and protect out members, Advance
Financial would like to remind you that we will NEVER send you an
e-mail requesting personal information.
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