Privacy Policy

Overview

Thank you for visiting Indiana Members Credit Union website and reviewing our privacy policy. Indiana Members Credit Union does not collect personal information about visitors to our website unless you choose to provide that information to us. To assure the continued privacy and confidentiality of your personal financial information, your credit union observes these practices and procedures:

Information We Collect

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms, such as name, address, social security number, debts, assets, and income.
  • Information about your transactions with us, our affiliates, or others such as your account balance, payment history, parties to transactions and credit card usage; and,
  • Information we receive from a consumer-reporting agency, such as your credit worthiness and credit history.

Information We Collect and Store Automatically

If you visit our website, we automatically gather and store the following information about your visit so that we can track the use of our website in order to make improvements. This information is stored and used in the aggregate only, and is not used to contact you personally:

  • The IP address from which you access our website
  • The name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an American Online account)
  • The type of browser and operating system used to access our website
  • The date and time you access our site
  • The pages, files, and documents and links that you visit
  • The Internet address of the website from which you linked to this website

Information We Disclose

We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose information about you under other circumstances as permitted by law.

Children and Privacy

Indiana Members Credit Union is concerned about protecting children’s privacy. We do not collect personally identifiable information from children. If a visitor is known to be a child (under the age of 13) and sends an email to Indiana Members Credit Union, we will only use it to respond to the writer and not to create profiles or otherwise retain the information.

Our Security Measures

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard your nonpublic personal information.

Linking

Within Indiana Members Credit Union’s website there are links to non-Indiana Members websites. When you link to third party websites you leave our website and no longer will be subject to our privacy policy. Indiana Members Credit Union is not responsible for the privacy practices nor the content of non-Indiana Members Credit Union websites, and such link is not intended to be an endorsement of the non-Indiana Members Credit Union website or its content.

Member Identification

Federal law requires financial institutions to obtain, verify, and retain certain information used to identify every individual opening an account. To comply with these regulations, you will be asked to provide your name, address, date of birth, and any other information that will allow us to identify you. In addition, you may be asked to provide a valid form of identification, such as a driver's license or another form of picture identification, before opening an account.

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.

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 income
  • Account balances and payment histories
  • Credit histories and credit scores

All financial companies need to share customers’ personal information to run their everyday business. Below we list 1) the reasons we can share your personal information, 2) whether we share it, and 3) whether you can limit this sharing.

Reasons We Can Share Your Personal Information

Does IMCU Share This Information?

Can You Limit This Sharing?

For our everyday business purposes such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—to offer you our products and services

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes— information about your transactions and experiences

No

N/A

For our affiliates’ everyday business purposes—information about your creditworthiness

No

N/A

For our affiliates to market to you

No

N/A

For nonaffiliates to market to you

No

N/A

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.

We collect your personal information, for example, when you:

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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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 nonaffiliates to market to you

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Definitions:

  • Affiliates—companies (financial or nonfinancial) related by common ownership or control
  • Nonaffiliates—companies (financial or nonfinancial) not related by common ownership or control
  • Joint Marketing—a formal agreement between non-affiliated financial companies that together market financial products or services to you

Questions?  Please call IMCU Member Services at 317.248.8556 or 800.556.9268

Updated: 1/11/11