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At Norbel Credit Union, we are committed to providing excellent member service and outstanding financial opportunities while respecting and protecting the privacy of our members. To better serve you, we may collect and maintain certain information regarding, for example, your product and service preferences or dates of special occasions (e.g., birthdays). Under no circumstances do we sell or rent this information to other businesses, and we strictly protect and enforce the confidentiality of this information. We respect your privacy and seek to protect the trust you place in Norbel. Our Privacy Policy is explained in more detail below.
1. What information does Norbel collect from online member activity?
For individuals who visit www.norbel.org but do not perform any transactions, we collect and store IP ("Internet Protocol") addresses during the visit. No individualized information is collected, and the IP address is not traced to a particular individual. Similarly, we collect information, using that IP address, about the navigational or browsing activities of our visitors. Again, that information is not tied to any name or other personally identifying information but is used solely to provide generalized demographic data, such as what geographic areas our visitors are from and visitor browsing patterns. We cannot use that data to identify you. For those who perform transactions at www.norbel.org, in order to complete that transaction, we may routinely collect or retain information that includes your: (1) name, address, telephone number, social security number, annual income, current and past employers; (2) answers to questions on deposit and loan applications; and (3) deposit and loan balances, overdraft history and payment history. We may also collect information from consumer reporting agencies regarding credit and checking account histories. This information may be shared with others to the extent permitted by law and in accordance with our information sharing policies and practices.
The Categories of Information We Collect:
- Information we receive from you on applications or other information you provide to us;
- Information about your identity such as your name, address, social security number and driver's license number;
- Information about your transactions with us, our affiliates, or others;
- Information we receive from consumer reporting agencies; and
- Certain information when you visit our web site.
2. Does Norbel's website use "cookies"?
"Cookies" are small pieces of information stored by your browser on your system's hard drive. Currently, if you perform a transaction through our website, we will create a cookie containing a unique user number on your computer. This function enables us to store items about your activity. Most web browsers automatically accept cookies, but you can usually change your browser to prevent such acceptance, which will result in your inability to perform transactions online. We do not retain any individualized information as a result of our use of cookies, nor do we gather user specific information details from your computer Internet software other than what is needed to authenticate member access to our home banking products. Our site uses browser cookies only after you log into home banking, to keep track of your transaction status or menu positions. We do not store cookies on your computer after you have logged out of our home banking products. More information on cookies can be found at http://home.netscape.com/legal_notices/cookies.html.
3. How does Norbel use the individualized information that is collected?
In addition to using the information referenced above to meet your needs, we also retain your name, address, e-mail address and activity information in our member database. We use that information to learn about your financial needs and interests based on the products and services you participate in. We may also use that information, from time to time, to contact you concerning our products, services, or special Norbel promotions. We try to limit those contacts to ones that might be of interest to you. If you would prefer not to be contacted about our special offers, products or services, please notify us at the mailing address or e-mail address provided below:
Norbel Credit Union
Attn: Centralized Operations
PO Box 1300
Greeley, CO 80631
Email: emmembers@norbel.org
Please be advised that since promotions may already be in process at the time of your request, it may take up to ten weeks before all contacts cease. As a result, you may receive mail or other solicitations from Norbel during that ten-week period. You may also use the above addresses to correct or update any individual information we have stored.
We currently send e-mails only to those Norbel members who request that we do so to provide them with information about our products and services. If you have previously requested such e-mails, but have changed your mind, contact us by one of the methods referenced above.
Information Sharing - Agent, Nonaffiliated Companies/Persons: We may share information about you with certain nonaffiliated companies that are our agents. We do this to provide convenient access to products or services, or because these companies help us perform necessary business functions or services. This sharing is permitted by law. Such agents are required to keep any information about you confidential.
Information Sharing - Non-agent, Nonaffiliated Companies/Persons: We may share information about you with non-agent, nonaffiliated companies and persons that are not owned or controlled by us. We do this so you can have convenient access to other products and services.
4. How is the information Norbel collects stored and what security procedures do we have in place to protect the confidentiality of that information?
Currently, the Norbel member information we maintain is stored in our internet database and in our corporate member database. We limit access to that information to those within our organization with a business need to know. Most of our employees do not have access to that information. In addition, we enforce a policy against unauthorized disclosure or use of any information you share with us, and we instruct our employees concerning that policy. Those employees that do have access are required to abide by our privacy policy. We do not provide information about you to anyone without first verifying who they are and whether they may have legal access to the information . We also require that those third parties who provide services to us and may have access to member information share our commitment to maintaining your privacy and adhere to our company's nondisclosure requirements. As stated above, we do not under any circumstances sell or rent member information to any outside company or organization nor do we permit any such organization to use member information for its own business purposes.
In fact, we will release specific information about you only if we are compelled to do so to comply with valid legal processes such as a search warrant, subpoena or court order or in the unlikely situation where we, in good faith, believe such information is necessary to prevent harm to you or others.
We also have a disaster preparedness program to secure this information in case of natural disasters, hazards or threats. Our security and confidentiality procedures are routinely tested to make sure they are functioning properly.
Account Numbers/Access Codes: We will not disclose your account number or access code for a credit card account, deposit account or transaction account to a nonaffiliated third party in order for them to sell you products or services. We may give your account number to consumer reporting agencies because we are allowed or are required to do so by law.
On Line Security: Our site has security measures in place to protect against loss, misuse and alteration of the information under our control. Account information is encrypted to prevent other parties from accessing your data, and to ensure that you receive the data intact. Our web site contains links to other web sites. Norbel Credit Union is not responsible for the privacy practices or the content of other such sites.
Links to Third Party Web Sites: Our web site may contain links to third party web sites. We provide these links as a service to you. When you link to a third party web site you leave our web site. We want you to be aware that we are not responsible for the privacy practices of any other web site. We encourage you to read the privacy policies of any web site you access, especially if individual identifying information is being collected. We are not affiliated with or an agent of any third party web site that you link to via our web site.
5. How does Norbel protect the safety and privacy of children?
Our site is not directed or marketed to children under the age of 18. We do not intentionally collect or store information on children. If we learn that a child has made a transaction through Norbel@Home without his or her parent's consent, we will immediately, upon parental request, void the transaction and return any monies to its previous state.
6. Will Norbel's privacy policy change?
We may change or enhance our policy to improve our service to you. If we do change our policy, we will note those changes on our website. A message will be displayed on our home page for a period of time that a change has been made, and the change will be highlighted within the privacy policy. You are welcome to refer to this policy each time you consider making a transaction.
THE CREDIT UNION'S PRIVACY POLICY IS SUBJECT TO CHANGE WITHOUT NOTICE. ANY CHANGES TO THE PRIVACY POLICY WILL APPLY TO INFORMATION COLLECTED AFTER THE DATE OF THE REVISION. NO PROVISIONS CONTAINED HEREIN SHALL BE DETERMINED TO CHANGE OR ALTER ANY OTHER CONTRACTS OR POLICIES BETWEEN THE CREDIT UNION AND ITS MEMBERS.
Ending Customer Relationship: When you end your member relationship with us, or when we end our member relationship with you, we will treat the information we have about you as if you were still our member.
If you have any questions or concerns about our privacy policy, please contact us at the address or e-mail address listed above.
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