Privacy
At Alpena Alcona Area Credit Union, we are committed to protecting the privacy and security of our members' personal information. We take every measure to ensure your data is safeguarded and handled with the utmost care. For more details on how we protect your privacy, please refer to the links below.
Privacy Policies
Alpena Alcona Area Credit Union values your privacy. This Online Privacy Policy (Policy) applies to this Alpena Alcona Area Credit Union (AAACU) online interface (i.e., website, social media, chat or mobile application) and any AAACU affiliate or subsidiary online interface that links to this Policy, (each, a Site, and, collectively, Sites). The term "AAACU" or "we" or "us" or "our" in this Policy refers to affiliates or subsidiaries of AAACU that link to this Policy. This Policy describes how Sites may collect, use and share information from or about you, and explains how information may be collected and used for advertising purposes.
For account holders and visitors to this Site, we will use and share any information that we collect from or about you in accordance with the AAACU Privacy Notice, which provides choices in the use and sharing of information. By using the Site, you agree to the terms and conditions of this Policy.
What information do we collect from you?
If you engage with AAACU, we may collect:
- Interaction transcripts on behalf of the organization.
- Information related to your browsing, purchasing and online behavior and activities.
- Machine information, such as IP address, operating system and type of device used.
If you visit our website, we may also collect:
- Information you provide to us, including personal information, such as your name and contact information, surveys, transcripts and recordings of your communications with us.
- Machine information, such as web browser, IP address, page view tallies, time spent on each page, page browsing information.
How does AAACU collect information?
We collect information when you engage with us, which may be enabled on our website or in our mobile applications. We may also collect info in the following ways if you visit our websites or use our applications:
- Your communications with AAACU.
- Your requests for information and other content.
- A technical support request you submit.
- Your participation in an AAACU promotion.
- Recruitment and job applications.
We may also collect information from our direct interactions with you, publicly available data or data provided by third-party sources, such as marketing opt-in lists.
How does AAACU use the information it collects?
AAACU uses the information to provide and improve services for the benefit of members and end users. If you engage with AAACU, we may use the information we collect as directed by the end user. For example, your information may be used to determine whether to deploy a communication offer to allow the AAACU to engage with you.
If you visit our websites or use our application, we may also use your information to:
- Deliver information requested by you,
- Deliver marketing materials to you,
- Consider you for employment with AAACU (if you submit an application).
AAACU may retain your information for a period of time. For example, if you engage with an AAACU application or product, we may retain your information for the period of time agreed on with the application vendor. We may also retain your information during the period of time needed for AAACU to pursue our legitimate business interests, conduct audits, comply with our legal obligations, resolve disputes, and enforce our agreements.
Does AAACU use cookies?
We set and use cookies and other identification technologies for record keeping purposes and to enhance your experience, if you choose to visit our websites or use our application websites.
Your choice
Web browsers are usually set to accept cookies. However, if you prefer not to receive cookies, you typically have the option of setting your browser to refuse cookies. If your browser is set to refuse cookies, it is likely that some of the functionality offered by AAACU will not be available or will not work as effectively for you.
For further information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, you can visit www.allaboutcookies.org.
Sharing of information
AAACU does not sell, trade or rent personal information provided by you in any transcript, survey or recording for direct marketing or any other purpose, except as provided in this privacy policy or with your permission. AAACU does not disclose the contents of transcripts, surveys or recordings other than to service members or end users, other than as provided in this privacy policy or with your permission.
For legal reasons we may share your information if we reasonably believe that it: (i) is necessary to comply with a legal process (such as a court order, subpoena, or search warrant) or other legal requirement of any governmental authority; (ii) would potentially mitigate our liability in an actual or potential lawsuit; (iii) is necessary to enforce this privacy policy or any other agreement in place between you and AAACU; (iv) is necessary to investigate and prevent unauthorized transactions or other illegal activities; and/or (v) is otherwise necessary or appropriate to protect our rights or property or the rights or property of any person or entity.
We may aggregate information so that it isn't personally identifiable and use and share such aggregated information for training and quality assurance purposes and to deliver and improve services for the benefit of members and end users.
Access and changes to personal data
If you elect to engage in any communication or engagement session with AAACU, it is up to you to decide what, if any, information to provide during such session. Depending on your request, it may not be possible for us to address all of your questions without further information from you. If you do not wish to provide certain information, then you should not do so.
How can I review, correct, delete, or receive a copy of my information with AAACU or withdraw my consent from AAACU processing my personal data?
If you have signed up to receive AAACU’s marketing or advertising communications, you may, at any time, opt out of receiving further communications by clicking on the opt-out link at the bottom of a marketing or advertising email you receive. You may also contact us at info@aaacu..com with “Marketing Opt Out” in the subject line to opt out or to request changes to your personal information.
You may request to review, correct, delete, or receive a copy of any of the personal information you’ve provided to AAACU or withdraw your consent to AAACU processing your personal data by either contacting the credit union directly or by contacting us at info@aaacu.com and we will respond within a reasonable period of time.
How does AAACU keep my information secure?
We use security measures designed to protect against the loss, misuse and alteration of the information under our control. AAACU interactions are encrypted during transmission. In addition, transcripts that we store are maintained and archived on secure, hardened servers that are hosted on highly secure data centers. Access to this data is protected by multiple layers of controls, including firewalls, role-based access controls, authentication mechanisms and monitoring. Data is backed up, and archives are stored off-site in a secure location. We also offer additional encryption functionality and data masking to our customers.
Children’s Online Privacy Protection Act (COPPA)
AAACU websites, social media and applications are not directed to individuals under 13. AAACU does not knowingly collect personal information from individuals under the age of 13. If you are a parent of an individual under 13 and believe your child has provided personal information to AAACU please contact us at info@aaacu.com with “COPPA” in the subject line where you may request to exercise your applicable access, rectification, cancellation, and/or objection rights. AAACU reserves the right to immediately delete the information of any individual, to the extent permitted by law, who it believes is under the age of 13.
Miscellaneous
We recommend that you review this privacy policy periodically, as we may update it from time to time. Your use of our websites and apps, as applicable, constitutes your consent to the new privacy policy to the fullest extent permitted by law.
We are not responsible for and do not control the privacy practices of any other third party. We encourage you to review the privacy practices of each third party.
We welcome your feedback on our privacy policy. Please send any comments or questions to info@aaacu.com with “Privacy” in the subject line or to Privacy - Alpena Alcona Area Credit Union, PO Box 515, Alpena, MI 49707-0515.
Effective Date: June 1, 2023
Scope and Overview
This policy outlines how Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.
Biometric Data Defined
As used in this policy, biometric data includes “biometric identifiers” and “biometric information”. “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a "biometric identifier." “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.
Disclosure and Authorization Policy
To the extent that Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, Alpena Alcona Area Credit Union must first:
Inform each consumer that Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the consumer’s biometric data, and that the Alpena Alcona Area Credit Union is providing such biometric data to its vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software;
Inform the consumer of the specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used; and
Receive consent by the consumer authorizing Alpena Alcona Area Credit Union, its vendors, and/or Alpena Alcona Area Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by the Alpena Alcona Area Credit Union, and for Alpena Alcona Area Credit Union to provide such biometric data to its vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software.
Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from consumers’ biometric data; provided, however, that the Alpena Alcona Area Credit Union’s vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software may be paid for products or services used by Alpena Alcona Area Credit Union that utilize such biometric data.
This policy is intended to comply with all federal, state, and local laws.
Purpose for the Collection of Biometric Data
Alpena Alcona Area Credit Union, its vendors, and/or the licensor of Alpena Alcona Area Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.
Disclosure
Alpena Alcona Area Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software providing products and services using biometric data without/unless:
First obtaining consumer consent to such disclosure or dissemination;
The disclosed data completes a financial transaction requested or authorized by the consumer;
Disclosure is required by law or ordinance; or
Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.
Security
Alpena Alcona Area Credit Union shall use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which Alpena Alcona Area Credit Union stores, transmits and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license numbers and social security numbers.
Retention
Alpena Alcona Area Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of Alpena Alcona Area Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:
The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity;
Request of consumer to destroy the biometric data; or
Within 30 days of consumer’s provisioning of biometric data.
Contact Information
If you have any questions about our use, storage, or security of your biometric data you can contact us at: info@aaacu.com.
BIOMETRIC INFORMATION CONSUMER CONSENT
As outlined in the “Biometric Information Privacy Policy”, I understand and consent to the collection, use, retention, storage, and/or disclosure or re-disclosure of data or images from biometric verification technology by Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software. I acknowledge that I have been given a copy of the Policy, or that the Policy has been made accessible to me, and I have had an opportunity to review it and request any additional information concerning the Alpena Alcona Area Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.
Alpena Alcona Area Credit Union values your privacy. This Online Privacy Policy (Policy) applies to this Alpena Alcona Area Credit Union (AAACU) online interface (i.e., website, social media, chat or mobile application) and any AAACU affiliate or subsidiary online interface that links to this Policy, (each, a Site, and, collectively, Sites). The term "AAACU" or "we" or "us" or "our" in this Policy refers to affiliates or subsidiaries of AAACU that link to this Policy. This Policy describes how Sites may collect, use and share information from or about you, and explains how information may be collected and used for advertising purposes.
For account holders and visitors to this Site, we will use and share any information that we collect from or about you in accordance with the AAACU Privacy Notice, which provides choices in the use and sharing of information. By using the Site, you agree to the terms and conditions of this Policy.
What information do we collect from you?
If you engage with AAACU, we may collect:
- Interaction transcripts on behalf of the organization.
- Information related to your browsing, purchasing and online behavior and activities.
- Machine information, such as IP address, operating system and type of device used.
If you visit our website, we may also collect:
- Information you provide to us, including personal information, such as your name and contact information, surveys, transcripts and recordings of your communications with us.
- Machine information, such as web browser, IP address, page view tallies, time spent on each page, page browsing information.
How does AAACU collect information?
We collect information when you engage with us, which may be enabled on our website or in our mobile applications. We may also collect info in the following ways if you visit our websites or use our applications:
- Your communications with AAACU.
- Your requests for information and other content.
- A technical support request you submit.
- Your participation in an AAACU promotion.
- Recruitment and job applications.
We may also collect information from our direct interactions with you, publicly available data or data provided by third-party sources, such as marketing opt-in lists.
How does AAACU use the information it collects?
AAACU uses the information to provide and improve services for the benefit of members and end users. If you engage with AAACU, we may use the information we collect as directed by the end user. For example, your information may be used to determine whether to deploy a communication offer to allow the AAACU to engage with you.
If you visit our websites or use our application, we may also use your information to:
- Deliver information requested by you,
- Deliver marketing materials to you,
- Consider you for employment with AAACU (if you submit an application).
AAACU may retain your information for a period of time. For example, if you engage with an AAACU application or product, we may retain your information for the period of time agreed on with the application vendor. We may also retain your information during the period of time needed for AAACU to pursue our legitimate business interests, conduct audits, comply with our legal obligations, resolve disputes, and enforce our agreements.
Does AAACU use cookies?
We set and use cookies and other identification technologies for record keeping purposes and to enhance your experience, if you choose to visit our websites or use our application websites.
Your choice
Web browsers are usually set to accept cookies. However, if you prefer not to receive cookies, you typically have the option of setting your browser to refuse cookies. If your browser is set to refuse cookies, it is likely that some of the functionality offered by AAACU will not be available or will not work as effectively for you.
For further information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, you can visit www.allaboutcookies.org.
Sharing of information
AAACU does not sell, trade or rent personal information provided by you in any transcript, survey or recording for direct marketing or any other purpose, except as provided in this privacy policy or with your permission. AAACU does not disclose the contents of transcripts, surveys or recordings other than to service members or end users, other than as provided in this privacy policy or with your permission.
For legal reasons we may share your information if we reasonably believe that it: (i) is necessary to comply with a legal process (such as a court order, subpoena, or search warrant) or other legal requirement of any governmental authority; (ii) would potentially mitigate our liability in an actual or potential lawsuit; (iii) is necessary to enforce this privacy policy or any other agreement in place between you and AAACU; (iv) is necessary to investigate and prevent unauthorized transactions or other illegal activities; and/or (v) is otherwise necessary or appropriate to protect our rights or property or the rights or property of any person or entity.
We may aggregate information so that it isn't personally identifiable and use and share such aggregated information for training and quality assurance purposes and to deliver and improve services for the benefit of members and end users.
Access and changes to personal data
If you elect to engage in any communication or engagement session with AAACU, it is up to you to decide what, if any, information to provide during such session. Depending on your request, it may not be possible for us to address all of your questions without further information from you. If you do not wish to provide certain information, then you should not do so.
How can I review, correct, delete, or receive a copy of my information with AAACU or withdraw my consent from AAACU processing my personal data?
If you have signed up to receive AAACU’s marketing or advertising communications, you may, at any time, opt out of receiving further communications by clicking on the opt-out link at the bottom of a marketing or advertising email you receive. You may also contact us at info@aaacu..com with “Marketing Opt Out” in the subject line to opt out or to request changes to your personal information.
You may request to review, correct, delete, or receive a copy of any of the personal information you’ve provided to AAACU or withdraw your consent to AAACU processing your personal data by either contacting the credit union directly or by contacting us at info@aaacu.com and we will respond within a reasonable period of time.
How does AAACU keep my information secure?
We use security measures designed to protect against the loss, misuse and alteration of the information under our control. AAACU interactions are encrypted during transmission. In addition, transcripts that we store are maintained and archived on secure, hardened servers that are hosted on highly secure data centers. Access to this data is protected by multiple layers of controls, including firewalls, role-based access controls, authentication mechanisms and monitoring. Data is backed up, and archives are stored off-site in a secure location. We also offer additional encryption functionality and data masking to our customers.
Children’s Online Privacy Protection Act (COPPA)
AAACU websites, social media and applications are not directed to individuals under 13. AAACU does not knowingly collect personal information from individuals under the age of 13. If you are a parent of an individual under 13 and believe your child has provided personal information to AAACU please contact us at info@aaacu.com with “COPPA” in the subject line where you may request to exercise your applicable access, rectification, cancellation, and/or objection rights. AAACU reserves the right to immediately delete the information of any individual, to the extent permitted by law, who it believes is under the age of 13.
Miscellaneous
We recommend that you review this privacy policy periodically, as we may update it from time to time. Your use of our websites and apps, as applicable, constitutes your consent to the new privacy policy to the fullest extent permitted by law.
We are not responsible for and do not control the privacy practices of any other third party. We encourage you to review the privacy practices of each third party.
We welcome your feedback on our privacy policy. Please send any comments or questions to info@aaacu.com with “Privacy” in the subject line or to Privacy - Alpena Alcona Area Credit Union, PO Box 515, Alpena, MI 49707-0515.
Effective Date: June 1, 2023
Scope and Overview
This policy outlines how Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.
Biometric Data Defined
As used in this policy, biometric data includes “biometric identifiers” and “biometric information”. “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a "biometric identifier." “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.
Disclosure and Authorization Policy
To the extent that Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, Alpena Alcona Area Credit Union must first:
Inform each consumer that Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the consumer’s biometric data, and that the Alpena Alcona Area Credit Union is providing such biometric data to its vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software;
Inform the consumer of the specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used; and
Receive consent by the consumer authorizing Alpena Alcona Area Credit Union, its vendors, and/or Alpena Alcona Area Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by the Alpena Alcona Area Credit Union, and for Alpena Alcona Area Credit Union to provide such biometric data to its vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software.
Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from consumers’ biometric data; provided, however, that the Alpena Alcona Area Credit Union’s vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software may be paid for products or services used by Alpena Alcona Area Credit Union that utilize such biometric data.
This policy is intended to comply with all federal, state, and local laws.
Purpose for the Collection of Biometric Data
Alpena Alcona Area Credit Union, its vendors, and/or the licensor of Alpena Alcona Area Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.
Disclosure
Alpena Alcona Area Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software providing products and services using biometric data without/unless:
First obtaining consumer consent to such disclosure or dissemination;
The disclosed data completes a financial transaction requested or authorized by the consumer;
Disclosure is required by law or ordinance; or
Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.
Security
Alpena Alcona Area Credit Union shall use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which Alpena Alcona Area Credit Union stores, transmits and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license numbers and social security numbers.
Retention
Alpena Alcona Area Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of Alpena Alcona Area Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:
The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity;
Request of consumer to destroy the biometric data; or
Within 30 days of consumer’s provisioning of biometric data.
Contact Information
If you have any questions about our use, storage, or security of your biometric data you can contact us at: info@aaacu.com.
BIOMETRIC INFORMATION CONSUMER CONSENT
As outlined in the “Biometric Information Privacy Policy”, I understand and consent to the collection, use, retention, storage, and/or disclosure or re-disclosure of data or images from biometric verification technology by Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software. I acknowledge that I have been given a copy of the Policy, or that the Policy has been made accessible to me, and I have had an opportunity to review it and request any additional information concerning the Alpena Alcona Area Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.
