Our Policies & Disclosures

Important MHV Information

MHV is committed to providing all of our members with excellent member service. We understand that may look different to everyone so we offer the following accommodations for those that might need assistance:

  • Accessible Teller Windows 
  • Large Print Documentation 
  • Telephone Relay Services
  • Handicap Parking
  • Handicap Door Switches
  • ADA Compliant Website 
  • ATMs & Personal Tellers Equipped with Braille

If you have any questions or need assistance with any of the above services, please contact us at 845.336.4444 or visit your local branch.

Your Rights

If you reside in California, you have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law OR to give you the best service on your accounts with us. This includes sending you information about some other products or services. MHV does not sell personal and financial information.

Your Choices

Restrict information sharing with companies we own or control (affiliates). Unless you say ‘NO’ we may share personal and financial information about you with our affiliated companies.

Restrict information sharing with other companies we do business with to provide financial products and services. Unless you say ‘NO’, we may share personal and financial information about you with outside companies we contract with to provide financial products and services.

To Limit the Use of Your MHV Information

To change your privacy preferences contact us at 845.336.4444.

This California Privacy Notice ("California Notice”) supplements the MHV Online Privacy Policy and the MHV Privacy Policy, and applies to you only if you are a resident of the State of California. The terms "MHV," "we," "our," and "us" in this California Privacy Notice refer to Mid-Hudson Valley Federal Credit Union and/or its affiliates or subsidiaries, and we have adopted this California Notice to comply with California privacy laws, including the California Consumer Privacy Act ("CCPA”), as amended by the California Privacy Rights Act (“CPRA”). This California Notice applies to visitors, users, employees, job applicants, independent contractors and others who are California residents (“consumers” or “you”).

This California Notice applies to California residents’ Personal Information, as defined below, we collect to provide them with certain financial products and services (collectively, “Services”). The California Notice does not apply to Personal Information for some of our Services that are exempt from the CCPA, such as those subject to the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley (GLBA) or the California Financial Information Privacy Act (CalFIPA).
 
I. NOTICE OF COLLECTION AND USE OF PERSONAL INFORMATION
 
We collect certain information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you ("Personal Information”), as further described below. In addition, we may collect data that is not identifiable to you or otherwise associated with you, such as aggregated data, and is not Personal Information. To the extent this data is stored or associated with Personal Information, it will be treated as Personal Information; otherwise, the data is not subject to this notice.

Categories of Personal Information: 
In the last twelve (12) months, we have collected the following categories of Personal Information:
  1. Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.
  2. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code 1798.80(e)).
  3. Characteristics of protected classifications under California or federal law.
  4. Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
  5. Biometric information.
  6. Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an internet website, application, or advertisement.
  7. Geolocation data.
  8. Audio, electronic, visual, thermal, olfactory, or similar information.
  9. Professional or employment-related information.
  10. Education information (as defined in 20 U.S.C. section 1232g, 43 C.F.R. Part 99).
  11. Inferences drawn from any of the information above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
  12. Personal Information that is deemed “Sensitive Personal Information,” such as: Personal Information that reveals a consumer’s: social security, driver’s license, state identification card, or passport number; voice biometrics for account authentication purposes; account log-in, financial account, debit card, or credit care in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation; racial or ethnic origin, religious or philosophical beliefs and union membership; and processing of biometric information for the purpose of uniquely identifying a consumer.
 
We will not collect additional categories of Personal Information other than those categories listed above. If we intend to collect additional categories of Personal Information, we will provide you with a new notice at or before the time of collection.
 
Retention of Personal Information 
We retain your Personal Information pursuant to our records retention policy. The length of time that we intend to retain each category of Personal Information will depend on a number of criteria, including (i) the length of time we are required to retain Personal Information in order to comply with applicable legal and regulatory requirements, (ii) the length of time we may need to retain Personal Information in order to accomplish the business or commercial purpose(s) for which such Personal Information is collected, used or disclosed (as indicated in this California Notice), and (iii) whether you choose to exercise your right, subject to certain exceptions, to request deletion of your Personal Information.
 
Use of Personal Information:
We collect and process your Personal Information for the following business and commercial purposes:
  1. Providing, predicting, or performing, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, and processing payments.
  2. Marketing our products and services to you, including sending you messages about the products and services we offer, which may include contests, rewards, events, and special offers for products and services. We may use vendors, auto-dialers or prerecorded messages, with your consent, to market our products and services to you. We may also market third-party products and services to you, with your consent, such life insurance and gap insurance. We may also Except to the extent Personal Information is used by third-party ad networks for online behavioral advertising,] neither we, nor service providers on our behalf, engage in profiling or automated decision making activities that produce legal and/or similarly significant effects upon you.
  3. Communicating with you by email mail, text message (SMS, MMS), telephone, push notification, and other methods of communication, about products, services, order status, and information tailored to your requests or inquiries.
  4. Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
  5. Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
  6. Debugging to identify and repair errors that impair existing intended functionality.
  7. Short-term, transient use, including, but not limited to, the contextual customization of ads shown as part of the same interaction.
  8. Undertaking internal research for technological development and demonstration.
  9. Undertaking activities to verify or maintain the quality or safety of the services or devices owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the services or devices owned, manufactured, manufactured for, or controlled by us.
  10. Complying with applicable laws, regulations, rules and requests of relevant law enforcement and/or other governmental agencies, or for other purposes, as permitted or required by law.
  11. As necessary or appropriate to protect the rights, property, and safety of our users, us, and other third parties.
 
We will not use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you with notice.

Sources of Personal Information
We collect Personal Information from the following categories of sources:
  • Directly from you. When you provide it to us directly whether online, by email, phone, or in-person, for example, when you create an account, sign-up to receive emails from us, contact us, or participate in our market research surveys or studies;
  • Automatically or indirectly from you. For example, through analytics tools, cookies, pixel tags (such as Google Analytics), or through your interactions with us on social media websites (such as LinkedIn).
  • Operating Systems and Platforms. For example, we automatically collect information relating to the device used to access our Services, such as IP address, device identifiers, and browser information.
  • Advertising Networks. For example, ad networks (such as Google) to serve advertisements across the Internet. These advertisers use cookies, pixel tags, and other tracking technologies to collect information about your online activity and provide online behavioral advertising.
  • Social Networks. For example, from social media networks (such as LinkedIn), including if you contact us for customer service support through our social media pages.  
  • Data Analytics Providers. For example, through technology and analytics providers (such as Google Analytics). These providers use cookies, pixel tags, and other tracking technologies to collect information about your online activity to allow us to personalize your online experience, including sending you messages about the products and services we offer.
  • From our Service Providers, Contractors or Third Parties. For example, order processing and fulfillment services, commercial email providers, security consultants, and other Service Providers we engage (such as home banking, card services, fraud detection, CRAs, collection agencies, attorneys, auto-dealers, government agencies and chex systems).
 
Disclosure of Personal Information
Within the last twelve (12) months, we have disclosed the following categories of Personal Information for a business purpose with the following categories of third parties:
  • Category 1 (e.g. Identifiers): Advertising Networks
  • Category 2 (e.g. Commercial Information): Advertising Networks, Service Providers, Contractors or Third Parties
  • Category 3 (e.g. Protected Classifications): Advertising Networks
  • Category 4 (e.g. Commercial Information): Advertising Networks, Service Providers, Contractors or Third Parties
  • Category 5 (e.g. Biometric Information): Service Providers, Contractors or Third Parties
  • Category 6 (e.g. Online Activities): Advertising Providers and Social Networks
  • Category 7 (e.g. Geolocation Data): Advertising Providers
  • Category 8 (e.g. Sensory Data): Service Providers, Contractors or Third Parties
  • Category 9 (e.g. Professional/Employment Data): Service Providers, Contractors or Third Parties
  • Category 10 (e.g. Education Data): Service Providers, Contractors or Third Parties
  • Category 11 (e.g. Inferences): Advertising Providers
  • Category 12 (e.g. Sensitive Personal Information): Advertising Networks, Service Providers, Contractors or Third Parties
 
II. YOUR CALIFORNIA PRIVACY RIGHTS
 
California’s “Shine the Light” law, permits our users who are California residents to request and obtain from us a list of what Personal Information (if any) we disclosed to third parties for their own direct marketing purposes in the previous calendar year and the names and addresses of those third parties. Requests may be made only once per year per person, must be sent to the email address below, and are free of charge.

The CCPA provides our users who are California residents the following additional rights:
 
  1. Right to Know: You have the right to request that we disclose certain information to you about the Personal Information we collected, used, disclosed, sold and shared about you in the past 12 months. This includes a request to know any or all of the following:
  • The categories of Personal Information collected about you;
  • The categories of sources from which we collected your Personal Information;
  • The categories of Personal Information that we have sold, shared or disclosed about you for a business purpose;
  • The categories of third parties to whom your Personal Information was sold, shared or disclosed for a business purpose;
  • Our business or commercial purpose for collecting, selling or sharing your Personal Information; and
  • The specific pieces of Personal Information we have collected about you.
 
  1. Data Portability: You have the right to request a copy of Personal Information we have collected and maintained about you in the past 12 months.
 
  1. Right to Deletion: You have the right to request that we delete the Personal Information we collected from you and maintained, subject to certain exceptions. Please note that if you request deletion of your Personal Information, we may deny your request or may retain certain elements of your Personal Information as permitted by law.
 
  1. Right to Opt-In to Financial Incentives: You have the right to opt-in to our financial incentive program. You also have the right to opt-out at any time. Please see the “Notice of Financial Incentive(s)” section below for more information about the financial incentive(s) we offer.
 
  1. Right to Opt-Out/In: You have the right to opt-out of the sale or sharing of your Personal Information. You also have the right to opt-in to the sale of Personal Information. Please see the “Notice of Right to Opt-Out” section below for more information about your opt-out/in rights.
 
  1. Right to Non-Discrimination: You have the right not to receive discriminatory treatment by us for the exercise of your CCPA privacy rights. Unless permitted by the CCPA, we will not:
  • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you a different level or quality of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
 
  1. Right to Correct:  You have the right to correct inaccurate Personal Information about you. Once we receive and verify your request, we will use commercially reasonable efforts to correct the inaccurate Personal Information about you.
 
  1. Right to Restrict or Limit the Use of Sensitive Personal Information: You have the right to restrict the use and disclosure of Sensitive Personal Information to certain purposes related to the offering of goods or services as listed in the CCPA.  However, we do not use your Sensitive Personal Information for such purposes.
Some of our Services, however, may require your Personal Information. If you choose not to provide your Personal Information that is necessary to provide any aspect of our products or services, you may not be able to use those products or services. In addition, you may opt out of certain tracking technologies through your device’s or browser’s cookie and/or advertising settings (including by blocking, deleting, or restricting cookies, or resetting your device’s applicable advertising ID). Consult your device and/or browser documentation for more information about how to do this.
 
Please note that blocking, deleting, or restricting cookies may negatively affect the performance or certain functionality of the Services, and opting out of online behavioral advertising will not prevent the delivery of ads, but rather may result in more repetitive and/or less relevant advertisements.
 
To opt out of many online behavioral advertising mechanisms, including Google, and others, you can use the Network Advertising Initiative’s Consumer Opt-Out service and/or the Digital Advertising Alliance’s Consumer Choice Tool.
 
If you would like to opt out of Google Analytics, and certain Google advertising functionality, you may do so using Google’s opt-out tool.
 
III. SUBMITTING A VERIFIED CONSUMER REQUEST
 
To exercise your rights, you must provide us with sufficient information to allow us to verify your identity, and describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it. Once we receive the information you provide to us, we will review it and determine if more information is necessary to verify your identity as required by law, and we may request additional information in order to do so.

To exercise your California privacy rights described above, please submit a verifiable request to us by: 
Only you, or a person authorized by you to act on your behalf, may make a verifiable consumer request related to your Personal Information. The verifiable consumer request must:
  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or an authorized representative. We will need to verify your identity with at least two (2) pieces of information, such as name and email address.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
 
We may deny your request if we are unable to verify your identity or have reason to believe that the request is fraudulent.

Consumer Request by an Authorized Agent
If any authorized agent submits a consumer request on your behalf, in order to confirm that person or entity’s authority to act on your behalf and verify the authorized agent’s identity, we require an email be sent to [email protected], along with all of the below items:
  • To verify your authorization to request on behalf of a California resident, provide one or more of the following: (1) California Secretary of State authorization, (2) written permission from the California resident, or (3) power of attorney.
  • Sufficient information to verify the authorized agent’s identity, depending on the nature of the request.
  • To verify the identity of the California resident for whom the request is being made, provide the information set forth above for verification of the consumer request.
We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. We will only use Personal Information provided in a verifiable consumer request to verify the request’s identity or authority to make the request.
 
We will acknowledge receipt of the request within ten (10) business days of its receipt. We will respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the receipt of the verifiable consumer request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For Data Portability requests, we will provide the responsive information in a portable and, to the extent technically feasible, in a readily useable format that allows you to transmit the information to another entity without hindrance.
 
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
 
IV. SALE OR SHARING OF PERSONAL INFORMATION
 
We do not sell or share your Personal Information that is subject to the CCPA to third parties for money. However, the CCPA defines "sale" and “share” broadly, and that definition could include information that we have shared with certain technology providers that provide certain services to us, including delivering advertisements that we believe may be of interest to you.
 
In the past twelve (12) months, we have "sold" or “shared” (as defined under the CCPA) the following categories of Personal Information that is subject to the CCPA to the following categories of third parties (See Categories of Personal Information):
  • Category 1 (e.g. Identifiers): Advertising Providers
  • Category 4 (e.g. Commercial Information): Advertising Providers
  • Category 6 (e.g. Online Activities): Advertising Providers
  • Category 7 (e.g. Geolocation Data): Advertising Providers
 
We "sell" (as defined under the CCPA) your Personal Information for the following business or commercial purposes:
  • Marketing our products and services to you and those of our business partners, including sending you promotional or marketing communications, which may include contests, promotions, and special offers for products and services.
  • Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions.
 
We “share” (as defined under CCPA) your Personal Information for the following business or commercial purposes:
  • Disclosing your personal information by electronic means to a third party (such as Google Analytics) for cross-context behavioral advertising.
We do not and will not knowingly sell the Personal Information of minors under the age of 16 without affirmative authorization.

Notice of Right to Opt-Out
If you are a California resident, you have the right to opt-out of the sale or sharing of your Personal Information to third parties. To exercise this right, please submit the form on our “Do Not Sell or Share My Personal Information” page or contact us as outlined below.
 
Do Not Track
We use analytics systems and providers and participate in advertising networks that process Personal Information about your online activities over time and across third-party websites or online services, and these systems and providers may provide some of this information to us. We are not currently able to, and do not, process or comply with any web browser’s "do not track” signal or similar mechanisms.
Note, however, that you may find information about how to opt out of or block certain technologies as described under Automatically Collected Information in our Online Privacy Policy.

Notice of Financial Incentive(s)
From time to time, we may offer financial incentives to promote our products and services. These financial incentives may include our Rewards Programs, whereby when you swipe your card, you can redeem points for products or gift cards; and our Perks Package, which offers credit monitoring for customers with a minimum balance in their checking account or through payment of a monthly fee.  
You may withdraw from the program at any time by emailing [email protected].   

The value of any financial incentive we offer is reasonably related to the value of any Personal Information you provide to us. We estimate the value of your Personal Information by considering, without limitation, the expenses we incur from collecting your Personal Information and/or providing the financial incentive to you, the revenue generated by your use of the financial incentive, and any improvements we can make to our products and services based on aggregating information obtained through the financial incentive program.
 
V. MODIFICATIONS AND UPDATES TO THIS CALIFORNIA NOTICE
 
This California Notice replaces all previous disclosures we may have provided to you about our information practices with respect to the Services. We reserve the right, at any time, to modify, alter, and/or update this California Notice, and any such modifications, alterations, or updates will be effective upon our posting of the revised California Notice. We will use reasonable efforts to notify you in the event material changes are made to our processing activities and/or this California Notice, such as by posting a notice on the Services or sending you an email. Your continued use of the Services following our posting of any revised California Notice will constitute your acknowledgement of the amended California Notice.
 
If you have any questions or concerns about this California Notice and/or how we process Personal Information, please contact us at:
               Mid-Hudson Valley Credit Union
               PO Box 1429
              Kingston, NY 12402
              8453364444 / 800.451.8373
              [email protected]
 
For more information about how users with disabilities can access this Privacy Notice in an alternative format, please contact us.


 

Mid-Hudson Valley Federal Credit Union has adopted the following privacy policy for our young members (12 and under) and other visitors to the kids’ section of our website. If you have questions regarding this policy, please contact us at 845.336.4444.

We may collect information on domain names, dates and times of visits, and number of page views. The information which is collected is used only to keep track of usage of our site, and it will help us to continue to improve the site’s overall value. Visitor information is never sold, given, or discussed with third parties. If you send us an email with your personal information to answer a quiz, submit a story, etc., we will respond to your email as appropriate. We may keep your email address for the purpose of sending information about the kids’ section of our website or about Mid-Hudson Valley Federal Credit Union news, products, and services. We will not sell, give, or share your personal information to/with any third party vendor or any other organization. We will not condition your participation in an activity on the provision of more personal information than is necessary for you to participate in the activity. If you are a parent of a child who has sent emails to us regarding items posted to our website, you have the right to review the information your child has sent to us. If we collect your child’s personal information for purposes of responding more than once to a specific request from your child, you have the right to refuse to permit further contact with your child and to require that we delete your child’s information. 

Our policy is to delay the availability of funds from your cash and check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written.

Determining the Availability of a Deposit: The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit on a day we are not open, we will consider that the deposit was made on the next business day we are open. The length of the delay varies depending on the type of deposit and is explained below.

Same-Day Availability: Funds from the following deposits will be available on the day and at the time we receive the deposit.

  • Electronic direct deposits
  • U.S. Treasury checks that are payable to you
  • Wire transfers
  • Checks drawn on MHV
  • Cash
  • State and Local government checks that are payable to you
  • The first $225 of all checks deposited

Next-Day Availability: Funds from the following deposits will be available on the 1st business day following the day of deposit.

  • Cashier, certified and teller’s checks that are payable to you
  • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you

If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the 2nd business day after the day we receive your deposit.

Other Check Deposits: For other check deposits the first $225 from the aggregate of deposits will be available on the day and at the time we receive the deposit.. The remaining funds will be available on the 2nd business day after the day of your deposit. Additionally, aggregate deposits in excess of $5,525 will have the following holds placed: the first $225 will be available on the day and at the time we receive the deposit, the next $5,300 will be available in 2 business days and the amount over the first $5,525 will be available on the 7th business day.

Longer Delays May Apply: Additionally, funds deposited by check may be delayed for a longer period under the following circumstances:

  • There is reason to believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,525 on any one day.
  • A check is re-deposited that has been previously returned unpaid.
  • You have overdrawn your account and/or have had return deposits repeatedly in the last 6 months. An account is considered repeatedly overdrawn if within the last 6 months (a) on 6 or more business days, the account balance was negative or would have been negative if checks or charges to the account had been paid or (b) on 2 or more business days the account balance was negative or would have been negative by more than $5,525 if checks or other charges to the account had been paid.
  • There is an emergency, such as a failure of computer or communication equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the 7th business day after the day of deposit.
  • We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the 5th business day after the day of your deposit.

Special Rules for New Accounts: If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, travelers, and federal, state and local government checks will be available on the 1st business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the 9th business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the 2nd business day after the day of your deposit.

Holds on Other Funds: If we accept a check drawn on another financial institution for deposit or cash, we may make the funds from the deposit or cashed check available to you immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available until the time periods that are described elsewhere in this disclosure for the type of check you deposited or cashed.

Deposits at ATMs: Funds from any deposits (cash or checks) made at ATMs we own or operate will be held until the next business day when the deposit can be verified. Upon verification, all checks will be subject to the fund’s availability policy stated above. Funds from any deposits (cash or checks) made at ATMs and POBs we do not operate will not be available until the 5th business day after the day of your deposit.

Third Party Checks: A Third Party Check is a check payable to one party who endorses the check over to another party. All payees must endorse the check regardless of the amount. All payees must endorse the item and be present (with valid I.D.) or named on the account in order for MHV to accept these items for deposit. Check holds will apply to these items. MHV also reserves the right to accept a Third Party Check on a collection basis only.

Returned Checks: In the event a check which you cashed or deposited to your account is, for any reason, returned (or is in the process of being returned per notification from another financial institution) to us unpaid, we shall have the right to charge the amount of the check to any account which you own individually or jointly with others, even if we have previously made the funds available to you under this Funds Availability Policy.

Payroll Checks: As a courtesy, MHV may not hold checks from the member’s primary listed employer.

MHV’s Online Privacy Policy explains how we collect, share, use, and protect your information and applies to information we collect when you visit or use our web-based service and any other online services offered by MHV (collectively, “Online Services”). Online Services include but are not limited to the MHV website, MHV Online and Mobile banking, MHV social accounts, as well as any interactions you may have while viewing content provided through MHV’s digital advertising campaigns. We may combine this collected information with information we collect in other contexts, such as from our phone calls and emails with you, from third-party data sources for fraud prevention, identity verification, or marketing purposes, from companies we work with and from publicly available data sources. By interaction with MHV’s Online Services you are consenting to these terms.

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 member, we will use and share any information that we collect from or about you in accordance with our Privacy Policy, available at www.mhvfcu.com/disclosures.

If you are a California resident, you may have rights under the California Consumer Privacy Act.

 

Social Media

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. Furthermore, if you become a member, you have the option to use our voice biometrics services to access your account and communicate with our staff regarding your account. 

In addition, we may collect certain information about your use of our Online Services including but not limited to, capturing the IP address of the device you use to connect to the Online Service, the type of operating system and browser you use, and information about the site you came from, the parts of our online Service you access, and the site you visit next. We or companies we may work with may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our Online Services.

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 and authenticating 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.

Our Privacy Policy provides additional information about how we share information we obtain when offering financial products and services for personal, family, or household use.


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

MHV may provide links to websites that are owned or operated by other companies ("third-party websites"). When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of any third-party website before providing any information on that website.

Security

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.

Changes to this Online Privacy Policy

We may change this Online Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to this Online Privacy Policy will become effective when posted unless indicated otherwise.

You have the right to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. This includes sending you information about other products or services. You may not limit the sharing of your personal and financial information for our everyday business purposes or as required by law. Please click here to view our Privacy Policy. If you wish to opt out, please contact us at 845.336.4444 or email us at [email protected].

Last updated: June 7, 2023

The mobile message service (the “Service”) is operated by Mid-Hudson Valley Federal Credit Union and any of its affiliates (collectively, “MHV”, “we”, “us,” “our”). Your use of the Service constitutes your agreement to these terms and conditions (“Messaging Terms of Service”). You also accept and agree to be bound by our Privacy Notice, and any other applicable terms and agreements related to your use of our Services. You may opt-out of these communications at any time, and consent to receive marketing text messages is not required to purchase any goods or services.

You agree to receive recurring automated promotional marketing text (e.g., SMS and MMS) messages from MHV, including, personalized marketing text messages and text messages that may be sent using an automatic telephone dialing system, to the mobile telephone number you provided when signing up or any other number that you designate. Service-related messages may include updates, alerts, and information (e.g., service updates, account alerts, past due account collection, etc.). Promotional messages may include promotions, specials, and other marketing offers. Consent to receive automated marketing text messages is not a condition of any purchase.

Message Frequency
Message frequency will vary. MHV reserves the right to alter the frequency of messages sent at any time, so as to increase or decrease the total number of sent messages.

Supported Carriers
Supported carriers may change from time to time, but currently include AT&T, T-Mobile, Verizon Wireless, Sprint, Nextel, Boost, Alltel, US Cellular, and Cellular One, among others.

Support/Help
For HELP reply “HELP” to any text message you receive from us or email [email protected]. Message and data rates will apply and you should check the rates of your mobile carrier. Text messages are distributed via third party mobile network providers and, therefore, we cannot control certain factors relating to message delivery. Not all mobile devices or handsets may be supported and our messages may not be deliverable in all areas. MHV, its service providers and the mobile carriers supported by the program do not claim or guarantee availability or performance of this service, including liability for transmission delays or message failures.

Termination of Text Messaging
MHV reserves the right to modify or discontinue, temporarily or permanently, all or any part of text messages, with or without notice to you. Reply STOP to any text message you receive from us to stop receiving messages.