FACTS | WHAT DOES LISTERHILL 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
• credit history and payment history
• assets and credit scores |
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 Listerhill Credit Union chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal information | Does Listerhill 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 | YES |
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 nonaffiliates to market to you | NO
| We don't share
|
To limit our sharing |
Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing. |
Questions? | Call toll-free 800-239-6033 or go to www.listerhill.com/manage-my-communication-preferences |
What do we do | |
| How does Listerhill 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 Listerhill Credit Union collect my personal information? | We collect your personal information, for example, when you- open an account or show your government-issued ID
- give us your income information or apply for financing
- give us your contact information
|
| Why can't I limit all sharing? | Federal law gives you the right to limit only- sharing for affiliates' everyday business purposes - information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing. |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.- Listerhill Credit Union has no affiliates.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.- Listerhill Credit Union does not share with our nonaffiliates so they can market to you.
|
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.- Our joint marketing partners include insurance companies.
|
Mobile and Online Information
Listerhill Credit Union is committed to protecting the information of our members and other visitors that interact with us online. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.
GENERAL INTERACTION | As you interact with us in a variety of ways online, including through a mobile device, we may receive personal information when you enter data into an application for new products or services or when you use our websites, products, or services. This information may be collected through Google Analytics, cookies, tags, and other technologies. This personal information may include your name, age, gender, interests, access number, home or other physical address, Social Security Number, the contents of your communications with us, telephone number, email address, and other credentials. We may also collect electronic information, such as your geolocation, IP address of your device, website interactions, type of browser you are using, information about your device’s operating system, and additional information associated with your device. We use this information to enrich and simplify your own user experience and improve our services. We may use this information to evaluate and improve the usefulness of our site or make offers to you via online ads, email, or other marketing efforts, as well as provide additional security to protect your account. It is important for you to understand that:
- Before granting access, you will be prompted to give the mobile application certain permissions including the following:
- Contacts: Allowing access lets you add contacts to use with features that allow you to send money via your mobile app. We will only add the contacts you choose, and that information will not be shared.
- Camera/Images: This app uses your camera to capture check images, take picture of receipts, scan ID, scan authorized QR codes and to conduct video chat.
- If you do not wish to grant that permission, you may decline.
- If you later change your mind, those permissions can be updated in your device's settings.
|
SECURE TRANSMISSIONS
| To ensure information remains confidential, Listerhill Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.
|
EMAIL SECURITY
| Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number or PIN numbers. We also ask that you do not send personal or account Information through regular email.
|
COOKIES
| Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the site and to assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.
|
AD CHOICES
| We respect our members’ ability to exercise choice in receiving cookie-based advertising on third-party sites by participating in programs utilizing the Advertising Options Icon (AdChoices). If you receive an ad delivered on a third-party website in this way, you may opt out of receiving such ads by clicking the displayed icon and following the instructions or by visiting aboutads.info. This opt-out works via cookies, so if you delete cookies, use a different device, or change web browsers, you will need to opt out again. You may be able to set your browser to reject browser cookies. However, you may be limiting the functionality we can provide when you visit our site. The latest versions of internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by browser providers for more specific information, including how to use these tools.
|
LINKING TO OTHER SITES
| To provide you with easy access to information, Listerhill Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and Listerhill Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by Listerhill Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.
|
GOOGLE ANALYTICS
| Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at google.com/policies/privacy/partners/
|
| FORMS | Online forms such as loan applications, check orders, etc., are provided to better serve the needs of our members. Personal information provided by a member via any of our online forms is used only by Listerhill Credit Union to process the member's request for service. Personal information transmitted through email communication is used only by our staff to respond to inquiries for service or information. We do not give, sell or transfer non-public personal information to third parties unless permitted or required by law. |
CHILDREN'S ONLINE PRIVACY PROTECTION ACT (COPPA)
| The Federal Trade Commission adopted a regulation (16 CFR 312) to implement the Children’s Online Privacy Protection Act (COPPA), which governs the collection, use and/or disclosure of personal information from and about children on the internet. Listerhill Credit Union does not collect personal information from children under age 13 on any Credit Union website
|
Acknowledgement and Acceptance of Terms
This information is specific to the general use of our online channels, such as our website, and does not address the collection and use of nonpublic personal information about individuals who obtain financial products or services from Listerhill Credit Union. Our Privacy Notice above addresses those details. By accessing the website and/or other online channels, you freely consent to the information collection and use practices described in this section, entitled “Online Information”. Any updates to our practices become effective when we post the updates to our site. Your subsequent use of the site indicates your acceptance of the updated practices.
Security Information
How We Protect You
"It’s all about we" is not just a saying here at Listerhill. Protecting our members’ personal information is our top priority. We are always working to make sure your information is safe and that your family is protected from financial harm.
Listerhill uses the following security controls to protect your information:
- We require a unique username and alphanumeric passcode to sign in to Online Banking.
- We have a secure browser connection throughout our site and require you to sign in to Online Banking each time you log on.
- We require an industry standard 128-bit encryption.
- A timeout feature automatically terminates each user session after a period of inactivity. After multiple unsuccessful logon attempts, online account access is locked.
- We don’t use email or text messages to send private information such as your Access ID, password, account number, card number or Social Security number. In addition, we never ask our members for confidential information via email, text or social media.
How You Can Protect Yourself
By managing your personal information carefully, and with a full understanding of its importance, you can reduce the likelihood that ID Theft will happen to you and react quickly in the unlikely event that it does. Identity thieves have high and low-tech ways of stealing your personal information. They can search through your trash or hack into your computer. Here are a few examples of items identity thieves look for:
- Your wallet or purse — containing ID, credit cards, debit cards, statements, or receipts
- Mail — credit card statements, checks, tax information, and pre-approved credit card offers
- Personal information from your home or computer
- Files from offices where you are a customer, employee, patient or student
Here are some steps you can take to protect yourself:
- Be on guard for potential fraudulent emails. This includes not opening email messages or attachments from unknown senders and not clicking on any unknown links. Never provide sensitive information to anyone through email. Also, make sure to check the accuracy of the email addresses to confirm the senders are who they say they are.
- If you have responded to a fraudulent email or feel you are the victim of email fraud, act immediately by contacting Listerhill at 256-383-9204 or 800-239-6033 or email us at phishing@listerhill.com.
- Change your passwords often. Don’t use the same password for multiple accounts or share your login information with anyone. Use a combination of letters and numbers to create complex passwords which would be difficult for someone else to guess.
- Sign up for email and text alerts through Online Banking. This will help you monitor your accounts and activity closely.
- Regularly request free credit report(s), inspect the reports closely, and promptly dispute any unauthorized accounts. You can go to annualcreditreport.com or call 877-322-8228 to get your reports for free once per year.
- Look at your account statements closely and promptly and dispute any unauthorized charges.
- Consider putting a credit lock or credit freeze on your existing credit files. However, please be aware that this will result in some verification delay when you are applying for new credit.
- Consider placing a fraud alert on your credit files if you believe that your personal data has been compromised at any time.
- Properly dispose of important documents and sensitive financial information.
- Frequently update your browser to ensure that your interactions with our website are safe and secure—and to ensure an optimal experience. We recommend using the most up-to-date version of your web browser.
Act Now
Report Fraud
If you suspect you are the victim of fraud, immediately contact Listerhill at 256-383-9204 or 800-239-6033 or email us at support@listerhill.com.
Report Lost/Stolen Card
Debit Card or Credit Card: Immediately call 1-888-918-7819.
Other Questions or Concerns
Call 256-383-9204 or 1-800-239-6033 to speak with a Listerhill representative now.
The Federal Trade Commission adopted a regulation (16 CFR 312) to implement the Children’s Online Privacy.
