Online Banking Privacy Policy
At Valley Isle Community FCU, we are committed to protecting your privacy. This online privacy policy explains how we collect, share, use and protect information when you use our online services, including website, email, mobile, social media and digital advertising. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand how we handle user privacy.
This policy explains how we (directly or through our service providers, including our advertising partners):
Collect, use and share information:
- When you visit, use or interact with us through any of our online services
- Through our advertisements ("ads") displayed via online services operated by us or third parties
- Associate this information with other information about you
Consent: By visiting or using any of our online services, responding to any electronic communications we may send you or clicking on one of our ads, you agree to this policy.
Check the effective date: This policy may be revised from time to time so we encourage you to periodically check our website at www.vicfcu.org for the most current version available. If we do revise this policy in a material way, we will change the version number and revision date shown at the bottom of this page and provide a conspicuous notice on our website before any changes take effect.
Important for customers: If you have a financial product or service with us, we will use and share your personal information in accordance with the privacy notice that applies to your account. However, this policy may still be useful to you in describing our online services and the options and choices available to you.
What information do we collect?
Personal information: We may collect personal information from you through our online services, directly or through our service providers. For example, you may provide us with your name, mailing address, phone number, email address, account number, date of birth and Social Security number when filling out an online form or survey; register, log in to or update your account through our online services; register for a marketing offer; or input financial or other information into one of our mobile apps.
When you obtain one of our products or services online or register for or use one of our online services, we may ask you to provide information about a previous financial transaction with another company (e.g., the amount of your monthly payment to a third party) and use that information to verify your identity (using information obtained from a third-party information service).
Other information: When you visit or use any of our websites or mobile apps, view any of our electronic communications or interact with one of our targeted ads, we or our service providers may collect information from your computer(s) and/or smartphone(s), tablet(s) or other mobile device(s) (together referred to as "mobile devices"). This information includes:
The make and model of the computer(s) or mobile device(s) you use to visit, use, view, or interact with our online services, unique device identifier, browser version, hardware, operating system, and MAC address;
- Your mobile phone number, mobile country code and other mobile device-related information, such as mobile device International Mobile Station Equipment Identity (IMEI), Integrated Circuit Card Identifier (ICCID), information about the screen size of your mobile device(s) and the date and time of your use (please refer to your specific app for additional information);
- Your Internet Protocol (IP) address and related information, such as your Internet service provider and general location;
- Location Data is collected to provide location-based messages, offers, and interactions. The precise location of your mobile device(s), if enabled on your device(s) (for example, when you register to receive locationbased content, such as the location of the nearest branch or ATM, through our mobile apps);
- Location information may still be collected even while the app is "not in use" or open in the "background";
- Photos taken with your mobile device(s) through one of our mobile apps to complete a mobile check deposit (when enabled in your mobile device settings);
- Your browsing habits on online services provided by us or third parties, such as search terms you entered onour websites, what websites and pages you visit, how long you stay and what actions you take;
- Search terms that directed you to our websites and mobile apps, which websites you came from and which websites you visit right after leaving one of our websites;
- Which of our ads or other online content you view, access or click on; and
- Any actions you take in response to electronic communications that we send to you, such as opening the message or clicking an embedded link.
Our service providers may also collect information about your browsing habits on online services offered by third parties and use it for the purposes described below.
Third party information: We may also collect information about you from additional online and offline sources, including credit reporting agencies and other third-party sources as permitted by law.
Association of information: We may associate the above information from your computer(s) or mobile device(s) through various means, including a unique identifier (such as IP address, customer ID or visitor ID) by using cookies (small data files saved to your browser by websites) and other tracking technologies. When used, these unique identifiers enable us to identify you as our customer, track your activity on our online services and to associate your computer(s) and mobile device(s) with one another for the purposes described in the following section.
If you are one of our customers, we may associate the above information with your personal online banking account (contact information and information about your holdings, transactions, demographics and location) and use it for the same purposes.
Social Media
Valley Isle Community FCU has social media accounts, such as Facebook and Instagram which enable online sharing and collaboration among their users. Any information or other content you post on these platforms, such as pictures, opinions or personal information, is subject to the platforms' terms of use and privacy and security policies. Please refer to their policies to better understand your rights and obligations with regard to such content.
Protecting Children’s Privacy Online
Privacy Statement
External Links Disclaimer
Access to or use of the VIC FCU web site constitutes consent to the following terms. The VIC FCU web site provides links to other web sites for convenience and informational purposes only. Users should be aware that when they select a link on the VIC FCU web site to an external web site, they are leaving the VIC FCU site. Linked sites are not under the control of VIC FCU, and VIC FCU is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. VIC FCU is not responsible for any transmission received from a linked site. In addition, VIC FCU is not responsible for any web casting or any other form of transmission received from any linked site. The inclusion of a link does not imply endorsement by VIC FCU of the site, its content, advertisers or sponsors. External sites may contain information that is copyrighted with restrictions on reuse. Permission to use copyrighted materials must be obtained from the original source and cannot be obtained from VIC FCU. The terms of this disclaimer extend to VIC FCU, its directors, officers, volunteers, and employees.
Privacy Disclosure
FACTS: What Does Valley Isle Community Federal Credit Union Do With Your Personal Information?
Why?
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. Please read this notice carefully to understand what we do.
What?
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 account balances
- account transactions and checking account information
- credit history and wire transfer instructions
When you are no longer our member, we continue to share your information as described in this notice.
How?
All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Valley Isle Community Federal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Valley Isle Community Federal Credit Union share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus |
Yes | No |
| For our marketing purposes — to offer our products and services to you |
Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates' everyday business purposes — information about your transactions and experiences |
No | We don't share |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | We don't share |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | Yes | Yes |
Questions?
Call (808) 877-3232
| What we do | |
|---|---|
| How does Valley Isle Community Federal Credit Union protect my personal information? | 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. |
| How does Valley Isle Community Federal Credit Union collect my personal information? | We collect your personal information, for example, when you
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| Why can't I limit all sharing? | Federal law gives you the right to limit only
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| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
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| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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| Other Important information |
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| WHAT MEMBERS CAN DO TO HELP Valley Isle Community Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines: — Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen. — Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it. — Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. — Let us know if you have questions. Please do not hesitate to call us — we are here to serve you! For more information on our Privacy Policy, you may write us at 160 Paahana St., Kahului, HI 96732, call us at 808-877-3232, or visit our website at www.vicfcu.org |