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Privacy Policy
Denali Alaskan Federal Credit Union
Denali Alaskan Insurance
1. Our Privacy Pledge. At Denali Alaskan Federal Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Denali Alaskan Federal Credit Union and our affiliate, Denali Alaskan Insurance. This notice explains what types of member information we collect and under what circumstances we may share it.
2. Member Information We Collect. The Credit Union collects only relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you (member information) which is “nonpublic.” The member information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:
Application Information. We retain personal information we receive from you on any application you provide for membership, deposit account, EFT services, loans, financial planning, securities brokerage, insurance or other Credit Union services. This information includes: name, address, social security number, birth date, phone number, employment and financial status, and credit history.
Your Transactions. Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, transactions through personal computer branch, over the phone or at a branch we retain the transaction information, including: your account number, the date, amount, location of the transaction, and other pertinent information.
Credit Reports. When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests.
Online. We obtain information online when you visit our website, www.denalifcu.org. This includes retaining information you provide us on any online application, personal computer branch transaction or information you send to us by e-mail.
3. Member Information We Share. In order to provide financial services to you, we share certain information about you with our affiliate and third party service providers. However, we only share information to the extent necessary to service your account or offer new services to you. If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.
Sharing Information with Credit Union Affiliate. Our affiliate, Denali Alaskan Insurance, provides insurance products and services. We may share personal information (such as name, address and account number) and account information (such as type of accounts, account balances, transaction history) with our affiliate so they can serve you more efficiently. Our affiliate maintains the same privacy standards as the Credit Union.
Sharing Information with Third Party Service Providers. In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including: data processing companies, check, ATM and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, credit reporting agencies, financial planners, securities brokerage, and insurance companies, and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential. We share the following categories of information to third party service providers depending on the specific services provided:
- Personal information (name, address and account number)
- Account information (type of accounts, account balances and transaction history)
- Transaction information (dates, amounts, locations and type of transaction)
We do not share your account numbers with independent third party marketers offering their products and services. While we may assist in offering financial products and services of our affiliate or other financial service providers, we control the member information used to make such offers.
Sharing Information as Legally Required or Permitted. We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.
4. Our Confidentiality and Security Safeguards. We maintain strict policies and security controls to assure that member information in our computer systems and files is protected. Our employees and agents are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees and agents have access to such member information as necessary to conduct a transaction or respond to your inquiries. All employees and agents are trained to respect member privacy. No one except our employees and agents has regular access to the Credit Union computer system and records storage. The Credit Union has established internal security controls, including physical, electronic and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security controls to safeguard your member information as we employ new technology in the future.
5. Online Privacy Protections. At our website, www.denalifcu.org, you may apply for accounts and services and you may communicate with us via e-mail. To protect the information you provide us online, we use multiple levels of security. The application information we accept online and our home banking service relies on industry standard “Secure Sockets Layer” (SSL) encryption to secure your transaction information and communication. Generally, our e-mails are not secure. If we ask you to e-mail us information other than your name, address, e-mail address and phone number, it will not be obtained using a secure (SSL encryption) e-mail form, although we may add that capability in the future. We do not share or sell e-mail addresses to independent third party marketers offering their products or services. When you visit our website, you can access site information, without revealing your personal identity. However, in order to help us identify you for future site visits, we use cookies to track your visit. A “cookie” is a piece of information that our web server stores on your computer hard drive and retrieves later. The cookie will not request, require or collect personal identity information and you remain anonymous. Your member information is not accessed by or stored within a cookie in any way. Denali Alaskan does not send e-mail asking you to verify or provide private, personal account information.
6. Children’s Privacy Policy. Denali Alaskan knows the importance of teaching basic financial skills to young people across Alaska. Through our Kids Prospector Club and Teen Power accounts, we offer young people the opportunity to develop sound savings habits from an early age. The young saver accounts, and the Credit Union’s web pages dedicated to those accounts, are created to enhance our programs and to offer useful information and fun activities for our young members.
It is our goal to help promote sensible money management, the value of saving and the importance of financial goal setting.
As a parent, you can feel confident about your children’s privacy. We do not knowingly solicit or collect data from children, and we do not knowingly interact with children online without express parental consent or notification. If we receive online information from any child we will only use the information to respond directly to a child's request. If you believe your child has provided personally identifiable information to us, please contact us so we can allow you the opportunity to review and delete such information. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.
Because the privacy of young readers and other online visitors is of the utmost importance, Denali Alaskan Federal Credit Union has adopted the following privacy policy, which conforms to the Children’s Online Privacy Protection Act of 1998:
· Site traffic records. Denali Alaskan collects information on domain names and dates and times of visits. This information, which includes NO personal identifiers, allows Denali Alaskan to record traffic and improve its navigation and content.
· Visitor information is NEVER sold, given, or disclosed to third parties for marketing purposes.
· Cookies. Denali Alaskan does NOT require the use of per-session cookies except for Personal Computer Banking.
· Cookie information is NEVER sold, given, or disclosed to third parties for marketing purposes.
· Reader Information is NEVER sold, given, or disclosed to third parties for marketing purposes.
· Denali Alaskan may use feedback information from readers to respond to inquiries, comments, or suggestions.
· E-mail information is NEVER sold, given, or disclosed to third parties for marketing purposes.
7. Privacy Policy Inquiries. If you have questions about our privacy practices, contact us at 907/257-7200 or 800/764-1123 and follow the prompts to the Member Contact Center, send us an e-mail at info@denalifcu.com, or write to us at Denali Alaskan Federal Credit Union, 440 E. 36th Avenue Anchorage, AK 99503-4136ss.
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