Our Online Services are not intended for children under 13. Please refer to our Children’s Online Privacy Protection Act Policy available at www.mhvfcu.com/disclosures.
If you are a California resident, you may have rights under the California Consumer Privacy Act.
When you interact with us on our official social media pages, such as Facebook, Twitter, Pinterest, Tumblr, LinkedIn, and YouTube or elsewhere on social media, we may collect information such as your likes, interests, feedback, and preferences. We may collect additional information from social media companies if you choose to share with them and they, in turn, share such information with us.
Any posts you make on our official social media pages -- including posts that contain pictures, comments, suggestions, opinions, complaints, or personal information -- are available to others who use those pages. Never include sensitive personal, financial, or other confidential information such as your Social Security number, account number, phone number, mailing address, or email address when posting or commenting online. Please refer to the privacy policies of our social media partners when you interact with them online.
We reserve the right to remove content that contains sensitive information, is offensive or inaccurate at our sole discretion.
How MHV Collects Information
Information is collected directly from you when you apply or register for our products and services, use our Online Services or mobile apps, communicate with us, respond to surveys, provide feedback, or enter contests or promotions.
Information is collected automatically when you use our Online Services. We and others on our behalf may collect Device Data, Online/Mobile Activity Data, and other information automatically when you interact with us online.
Information We Collect
When you visit or use our Online Services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, a zip code to help you find a nearby ATM), user name and password. We may also collect payment card information, social security numbers, driver’s license numbers (or comparable) when you provide such information while using our Online Services where we believe it is reasonably required for ordinary business purposes.
When you interact with us through mobile banking, we may collect information such as unique device identifiers for your mobile device, your screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device.
We may also collect information about you from additional online and other sources including from co-branded partner sites or commercially available third-party sources, such as credit reporting agencies.
Use of Information
We use information for various purposes depending on how you interact with us, including but not limited to:
- Providing, maintaining, and servicing your accounts
- Processing applications and transactions
- Verifying your identity
- Detecting and preventing fraud
- Protecting against security risks
- Advertising and marketing and tailored content and marketing messages
- Conducting analytics and research
- Improving our products and services
- Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies
- Using aggregated and de-identified information
- Responding to your requests and communicating with you
- Managing your preferences
- For other purposes that we may disclose at the time you provide or we collect your information.
How do we Share Information Collected Online
We share information with government entities and others for legal and necessary purposes, such as:
- To respond to requests from our regulators or to respond to a warrant, subpoena, governmental audit or investigation, law enforcement request, legal order, or other legal process.
- For other legal purposes, such as to enforce our terms and conditions, exercise or defend legal claims, or if we determine that disclosure is necessary or appropriate to protect the life, safety, or property of our customers, ourselves, or others.
Online tracking technology
We use a variety of online tools and technologies, including but not limited to server logs, cookies, local shared objects, pixels, web beacons, etc., to collect information when you visit or use the Online Services. For example, we use these tools to collect information for debugging, fraud prevention, session management, and other necessary purposes. We also use these to conduct personalization, analytics, and targeted advertising on or through the Online Services. If you are a member, we may associate this information with your account.
“Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies. Doing so may not provide you with the best experience with MHV Online Services.
Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.
Local Shared Objects, sometimes referred to as “flash cookies” may be stored on your hard drive using a media player or other software installed on your device. Local Shared Objects are similar to cookies in terms of their operation, but may not be managed in your browser in the same way.
You may opt out of certain targeted advertising, however it must be done separately on each specific browser and device that you use. Visit the cross-industry Self-Regulatory Program for Online Behavioral Advertising (OBA) managed by the Digital Advertising Alliance (DAA) to opt out of OBA and follow the instructions: http://youradchoices.com.
You can help preserve web browser opt-out preferences set through the DAA's WebChoices tool by using the ‘Protect My Choices
’ plug-ins. Please note that you may still receive general advertising from us even after you opt out of targeted advertising.
Linking to Third-Party Websites
We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information. This includes device safeguards and secured files and buildings. Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Account number or Social Security number) to us.