Privacy Policy

Rev. Date 2/22

What Does Embers 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 card or other debt and credit history
• payment history and transaction or loss history

When you are no longer our member, we continue to share your information as described in this notice.

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 Embers Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons We May Share Your Personal Information

Everyday Business Purposes

We may share your personal information to:

• Process your transactions
• Maintain your account(s)
• Respond to court orders and legal investigations
• Report to credit bureaus

Embers Credit Union shares this information, and this sharing cannot be limited.

Marketing Purposes

We may share your information to offer products and services to you.

Embers Credit Union shares this information, and this sharing cannot be limited.

Joint Marketing With Other Financial Companies

We may share information with other financial companies for joint marketing purposes.

Embers Credit Union shares this information, and this sharing cannot be limited.

Affiliates’ Everyday Business Purposes

Information About Your Transactions and Experiences

Embers Credit Union does not share this information with affiliates.

Information About Your Creditworthiness

Embers Credit Union does not share this information with affiliates.

Nonaffiliates Marketing to You

Embers Credit Union does not share your information with nonaffiliates for marketing purposes.

What We Do

How does Embers Credit Union protect my 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 Embers Credit Union collect my personal information?

We collect your personal information, for example, when you

• open an account or give us your income information
• provide employment information or apply for financing
• give us your contact information

State law and individual companies may give you additional rights to limit sharing.

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. Embers Credit Union does not share with affiliates.

Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. Embers 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 mortgage companies and insurance
companies and members financial services.

Digital Banking

Our digital banking app may request access or permission to certain features from your mobile device.  This access can include records such as your phone number, home address, or email address. We will use this contact information to alert you about events or actions that require your attention. If you grant permission to use your contact information, we may use that information to pre-populate certain forms for contacting you. If you grant permission to use your device’s location, we will use that data when checking for nearby branch and ATM locations. If you grant permission to access photos, media or other files stored on your device, we may use that information to add an image to a transaction, to attach a document to a chat, or to add a photo to your profile. If you grant permission to use your device’s camera, we will use it when taking a picture to add an image to a transaction, or to capture images of a check that is being deposited, or to add a photo to your profile. If you wish to change access or permissions, you may do so in your device's settings.

Requests to delete collected information must be sent to us in one of the following ways:

• By emailing your request to Embers Credit Union at embers@embers.org or
• In person at one of our branch locations.

Please note that we will not be able to immediately delete information that we are required by regulation to keep for certain timeframes, and requests to delete or no longer collect information might result in losing certain functionality in our digital banking app. For example, we are required by the Check 21 Act to retain check images you provide to us for a period of 7 years, and if you do not grant permission to use your device’s camera you will not be able to use the mobile deposit function.

Use of Cookies

We use different types of cookies to track your use of our website.  A cookie is a small text file that is placed on your computer when you visit a website that enables us to: (1) recognize your computer; (2) store your preferences and settings; (3) understand the web pages of the Website you have visited;(4) perform searches and analytics; and (5) assist with security administrative functions. Some cookies are placed in your browser cache. Tracking pixels (sometimes referred to as web beacons or clear GIFs) are tiny electronic tags with a unique identifier that are embedded in websites, online ads, and/or email and are designed to provide usage information like page clicks, measure popularity of the Website and associated content, and access user cookies. We may update this Policy from time to time as we adopt new technologies to gather additional information through other methods. Cookies are not required for full functionality of our website. 

Submitted Information

All information submitted to and received from our website is protected by using TLS encryption.

SMS Terms & Conditions & Privacy Policy

Embers Credit Union (“we”, “our”, or “us”) is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and protect your information when you visit our website, www.embers.org  or interact with us in any other manner.

Information We Collect

We may collect the following types of information from you:

Personal Information: When you contact us through our Website, phone, or email, we may collect personal information that you provide, including your full name, phone number, email address, and mailing address.

Automatically Collected Information: When you visit our Website, we may automatically collect certain information about your device and usage, including IP address, browser type, operating system, referring URLs, and pages viewed.

How We Use Your Information

We use the information we collect for the following purposes:

• To Communicate with You: We use your contact information to respond to your inquiries, provide legal services, send administrative information, and keep you informed about your case or our services.
• Marketing and Promotional Communications: With your consent, we may use your information to send you updates, newsletters, or marketing communications via email, phone, or text message. You can opt out of receiving these communications at any time by following the instructions provided in the communication or contacting us directly.
• Legal Compliance: We may use your information to comply with applicable laws, regulations, or legal obligations, including responding to subpoenas, court orders, or legal requests.

Consent to Receive Text Messages

You are not required to consent to receiving text messages from Embers Credit Union. By providing your phone number and opting in, you consent to receive text messages from Embers Credit Union regarding your inquiry, our services, or related legal matters. Message and data rates may apply. You can opt out of receiving text messages at any time by replying “STOP” to any text message you receive from us. Please note that opting out may limit our ability to communicate with you regarding your case or services.

Information Sharing and Disclosure

We do not sell or rent your personal information to third parties. We do not sell, rent, release, or transfer your SMS consent or phone number to any third party for any third-party marketing purposes. We may share your information in the following circumstances:

• Service Providers: We may share your information with our service providers who perform services on our behalf, such as marketing, customer services, or technical support. These service providers are contractually obligated to protect your information and use it only for services they provide.
• Legal Requirements: We may disclose your information if required by law, regulation, or legal process, or if we believe disclosure is necessary to protect our rights, property, or the safety of our users or others.

Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Your Rights and Choices

• Opting Out: You may opt out of receiving marketing communications from us by following the instructions in those communications or contacting us directly. If you opt out, we may still send you non-promotional communications related to your legal services or our ongoing business relationship.

• Access and Update Information: You have the right to access, update, or correct your personal information. To do so, please contact us using the information provided below.

Third-Party Websites

Our Website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party websites you visit.

Children’s Privacy

Our website is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will take steps to delete such information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last Updated” date. We encourage you to review this Privacy Policy periodically for any updates.

Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Embers Credit Union
601 S McClellan Ave
Marquette, MI 49855

906-228-7080
embers@embers.org

Terms and Conditions

1. Introduction

Welcome to Embers Credit Union. By accessing or using our services, including receiving SMS communications, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not engage with our services.

2. Consent for SMS Communication

By providing your consent to receive SMS communications, you acknowledge and agree to receive text messages from Embers Credit Union at the phone number you provide. Information obtained as part of the SMS consent process will not be shared with third parties.

3. Types of SMS Communications

If you have consented to receive text messages, you may receive SMS communications related to account alerts, important updates, service notifications or other relevant information.

4. Standard Messaging Disclosures

• Message Frequency: Frequency of messages may vary depending on your interactions with us.

• Standard messaging rates will be charged by your mobile service provider.
• You can opt out of receiving SMS messages at any time by texting "STOP" to the number from which you received the message.

For assistance, text "HELP" to any text message or contact us directly at 906-228-7080 or you can email us at embers@embers.org. View our Privacy Policy above.

 

Questions: Call toll-free 866-430-7080