ONLINE PRIVACY & SECURITY POLICY

Keeping Your Information Safe and Secure

As a Merritt Federal Credit Union member, your privacy and security always come first. For 75 years we have been dedicated to member safety and protection. Our goal is to maintain your trust and confidence when handling your personal information. We are committed to maintaining the confidentiality of your personal information consistent with state and federal laws. This Online Privacy & Security Policy (“Policy”) describes how we collect and use information. By using the Website, you consent to the terms and conditions of this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy. We reserve the right to modify this Policy at any time and in any manner, without prior notice.

Online Privacy Policy - While our privacy policies are the same whether you are online or not, we have extra measures in place to protect your privacy when you bank online.

Website Privacy

As a general policy, we do not automatically collect personal information from our website users. We do collect and store information on the domain used to access our website, the Internet address of the website from which a user links to the Credit Union's website and the date and time of the visit to our website. This information is used only to measure the number of visitors to our website and the route a user travels while within the Credit Union's website to better serve users in improved design and site navigation.

Online Banking

Personal identification, such as your account number and password, is collected when a valid Credit Union member with active Credit Union account(s) enters the secure online banking area of the Credit Union's website. This information enables the Credit Union to regulate access of this information to those who request such access and those entitled to perform transactions on these account(s).

Cookies

Our website may use cookies (small pieces of information sent by our web server to a visitor's web browser that reminds our site about the user the next time he or she visits). “Cookies” are pieces of information that are stored directly on your computer, smartphone or other internet access device. Browser cookies are assigned by a web server to the browser on your device. We do not store confidential or sensitive information in cookies. We use cookies only to enhance a member's banking session and ease navigation through our website. For certain applications, such as online banking, cookies are required to help protect the privacy of a member's transactions. Cookies cannot be used to capture a user's email address, obtain data from the user's hard drive or gain confidential or sensitive information about the user. It's important to note that the information we use about you helps us provide you with products, services and experiences that benefit you. You have the ability to control how your non-personal information is collected and used online. You can refuse to accept these cookies through your browser settings. You will need to manage your cookie settings for each device and browser you use. If you choose to reject cookies, you may not be able to use the full functionality of the Website. For example, if we are not able to recognize your device, you will need to answer a challenge question each time you log on.

Third Party Service Checks

To protect you, we may use tools and services provided by third-parties to help us decide whether to accept submissions from personal computers, mobile phones, or other devices. These third-party providers may check whether user devices have been identified with fraudulent or abusive transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks When you access our website or other online applications, we will transmit this third-party device identification code to the third-party provider, along with data concerning certain technical attributes of your device such as the model, operating system, and browser version, as well as the IP address (all of which are used to confirm device identification). We may then receive information from these third-party providers indicating that submissions from a user’s device should not be accepted. We may also inform such third-party providers if we determine that a device has been used in connection with a fraudulent or abusive transaction with us. In addition, in certain situations, we may share with one or more of these third-party providers certain personal identifying information and information about the device you are using. If you receive a message from us indicating that a requested submission has not been processed, we will provide appropriate customer service contact information.

Online Forms

Merritt Federal Credit Union provides several online forms (for example, loan application) to better serve the needs of members. Personal information provided via any Credit Union online form is used only to process the member's request for service. These forms are transmitted via secured means. However, if the user is concerned about the security of transmitting this information via the Internet, the member is encouraged to contact the Credit Union directly at 203-210-7585.

Email Communication

We may use personal information you transmit to us to respond to inquiries for service or information, or improve the service the Credit Union provides. Since email communication may not be secure against interception by unauthorized individuals, users may want to seek alternatives to email when it is necessary to provide sensitive or personal information. Merritt Federal Credit Union will not transmit sensitive or personal information that can compromise or violate a user's privacy when communicating via email.

Linking

A link to a linked website (“Linked Site”) on this website does not mean that we endorse or accept any responsibility for the content, functioning or use of such Linked Site, and you enter any such website at your own risk. You agree that we have no control over or liability for information on Linked Sites. You should be aware that Linked Sites may contain rules and regulations, privacy provisions, confidentiality provisions, and other provisions that are different from the provisions provided on this website. We are not responsible for such provisions, and expressly disclaim any and all liability related to such provisions. We prohibit unauthorized hypertext links to this website, or the framing of this website.