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Privacy Policy

Powerco Federal Credit Union Privacy Policy
Powerco Federal Credit Union Opt-Out Notification
Powerco Federal Credit Union Online and Mobile Privacy Policy

Click here to download and print Powerco Federal Credit Union's Privacy and Opt-Out Notification.

 Click here to view, read and print the full-size version of Powerco's Privacy Policy.

Click here to download and print Powerco Federal Credit Union's Privacy and Opt-Out Notification.

Click here to view, read and print the full-size version of Powerco's Privacy Policy.

Click here to download and print Powerco Federal Credit Union's Opt-Out Notification.

Click here to view, read and print the full-size version of Powerco's Opt-Out Notification.


Online and Mobile Privacy Policy

Powerco’s Commitment to Members:

Powerco Federal Credit Union respects the personal and financial privacy of all its members. We are committed to protecting the information on and within our website with the same safety and confidentiality standards utilized in the transaction of all Credit Union business. This Online and Mobile Privacy Policy explains what information we collect about you and how we use and protect it in mobile and internet commerce. Our online and mobile privacy practices outlined below strictly abide by the terms of our privacy notice.

The Credit Union realizes the importance of protecting the privacy of our members’ personal information. It is our goal to protect member information in every method of contact with members, whether it is in a branch, at one of our Automated Teller Machines (ATM), on the telephone or on the internet.

Personal Information & Data

Personal Information
Personal information refers to any information about you that is personally identifiable to you. Your telephone number, name, address, and transaction history are examples of information that pertain to you personally.

Data
Data in the context of this Online and Mobile Privacy Policy generally refers to other information that we collect through your internet or mobile activities or which third parties may collect on our behalf. Such data may or may not be personally identifiable to you. For example, Geolocation data collected from your mobile device when you ask for the location of the nearest ATM is personally identifiable when obtained through Mobile Banking.

Information Collection
We Collect Personal Information About You When:

You Provide Personal Information to Us
Powerco Federal Credit Union collects personal information online that you provide to us, such as when you log in, on applications you complete, and when you use our products and services. See the Credit Union’s Privacy Policy for more information about what personal information is collected, how, and why.

We Obtain Personal Information from Others
We obtain personal information from third parties such as credit bureaus and others to tailor your online experience.

We Gather Information Online
Our website uses cookies, tracking pixels and related technologies. Cookies are small data files that are served by our platform and stored on your device. Our site uses cookies dropped by us or third parties for a variety of purposes, including to operate and personalize the website. The Credit Union collects information only in instances where we feel it will be of assistance in providing members with quality service. Information collected is vital to identifying system performance and/or problematic areas. No information that identifies a member personally is automatically collected.

Cookies
Powerco Federal Credit Union does not store confidential or sensitive personal information in cookies. Our website uses cookies to enhance our members' Online Banking session by making navigation easier and providing important security features. For certain applications, such as Online Banking, cookies are a requirement because they help protect the privacy of a member's transactions by, for example, automatically terminating the online session if the member forgets to log out.

Cookies cannot be used to capture your email address, obtain data from your hard drive or gain confidential or sensitive information about you. Additionally, cookies cannot be read by a website other than the one that set the cookie. Some websites, however, use cookies to obtain information from your browser. You can set your browser to notify you before accepting a cookie, so that you can control whether you accept or reject a cookie. You will need to manage your cookie settings for each device and browser you use. Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences.

Click Stream Auditing
Click Stream Auditing includes information such as a web surfer's IP address, web pages which have been viewed or acted upon by a web surfer, date and time, domain type, and when a web surfer has responded to an advertisement. We may occasionally combine this information with individual information on an aggregate level to determine the effectiveness of our advertising.

Action Tags and Other Technologies
Action Tags are commonly referred to as web beacons or GIF tags. This type of technology is inserted in various places within our website to collect anonymous information about your visits to the Powerco Federal Credit Union site and your interaction with our ads and content. We may use certain technologies to collect additional information related to the status and condition of your mobile devices. This information may be used to support the security of your transaction with Powerco Federal Credit Union, determine industry trends and for other research purposes.

Information Use
Personal information that we collect about you is used to provide you with optimal online experiences with us. We use it to help determine your financial interests and needs in order to recommend relevant products and services. We use personal information about you to qualify you for products and services that you request, to process your transactions, authenticate your identity, prevent fraud, and to keep your information and financial transactions secure.

Information Sharing
Powerco Federal Credit Union shares your personal information within its affiliates and with select third parties in accordance with the terms described in our privacy notice. The notice also provides a toll free number for you to limit certain sharing. Additional information is provided below under Advertising and Tracking and under Your Options. We may share personal information when required by law or a subpoena or court order. We may also share personal information when we suspect fraud or for risk management purposes.

The Credit Union will not provide, sell or share your personal information to any non-affiliated third party for independent use. We share member information only in the following circumstances: you authorize it; you have requested a transaction requiring it; we are reporting your information to a credit reporting agency; or we are required or permitted by law to disclose such information. Information is shared with affiliated organizations when involving products and/or services of value to members, which would otherwise not be available through the Credit Union. If a member desires such information not be made available to affiliated organizations, they are advised to contact Powerco Federal Credit Union to make their wishes known. Additionally, to preserve vital member information, employees of the Credit union sign confidentiality agreements at the time of hire to maintain the secrecy of proprietary information.

Children
In keeping with the Children’s Online Privacy Protection Act (COPPA), Powerco Federal Credit Union websites and mobile applications are not directed to children and do not knowingly collect information from children. We recognize that protecting children’s identities and privacy online is important and that the responsibility rests with both the online industry and parents.

Access
Powerco Federal Credit Union does not maintain a process which allows visitors to review and request changes to any of his or her personally identifiable information, including information that is collected through the use of cookies or other tracking devices, on the website or our online service. If you believe that Credit Union member records contain any incorrect information about you, please contact us at 1-800-633.5217 or visit any Powerco Federal Credit Union branch.

Retention and Destruction
The Credit Union retains personally identifiable information as long as necessary to provide the products and services for which the information was collected, to process and maintain a record of transactions, and as long as necessary for legal process or to satisfy government retention requirements. When the retention period expires, the Credit Union destroys data that was maintained in any form in a manner that renders it completely unusable and incapable of restoration

Geolocation Data
The Credit Union does not access location data stored on your mobile device without your permission. Some features, such as our location tool, which locates the nearest Powerco Federal Credit Union branch or ATM and shows the best route to get there, will not fully function unless you have enabled access to your location data.

Links to Other Sites
Links to other websites are provided for your convenience and information only. When you click on a link to another website you will be leaving ours. The links on our website do not mean that we endorse, authorize or sponsor the linked website. The linked sites are not under our control and we are not responsible for the content on a linked website. Linked sites may have privacy policies that are different from ours.

Transmission of Sensitive Data
It may be necessary for the Credit Union to periodically transmit sensitive data to contracted vendors. The Credit Union will employ proper transmission methods that ensure the data cannot be intercepted and used for personal gain (or any other purpose) by any persons not authorized to receive the data.

Regulatory Compliance
The Credit Union will conduct annual audits of all e-commerce policy and procedures to ensure compliance with any Federal and/or State statutes, regulations and laws. This audit will include review with internal policy and procedure as well.

Changes to This Policy
We may update this privacy policy to reflect changes to our information practices. If we make any material changes, we will notify you by email (sent to the email address specified in your account) or by means of a notice on the website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

NCUA

This credit union is federally insured by the National Credit Union Administration.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 762143

Equal Housing Lender