Thank You for
visiting Jack Daniel Employees’ Credit Union’s web site and reviewing our
privacy policy. Jack Daniel Employees’ Credit Union is committed
to protecting the privacy of our members and preserving your trust.
Under federal law, we are required to provide you this privacy
notice. It describes our credit union’s privacy policy and
practices concerning the personal information we collect and disclose
about our members. In general, you can visit us on the World Wide
Web without disclosing to us who you are or revealing any information
about yourself. There are several areas, however, that will collect
certain information about you and we want you to know how we handle
that information.
If after reading this notice you have any questions, please contact
us by phone at:
931-759-5513
or write to:
Jack Daniel Employees’ Credit Union, attn: Pam Case
P.O. Box 199
Lynchburg, TN 37352
General Information We Collect About You
We collect information about you from the following sources:
Information we receive from you on applications and other forms,
such as name, address, and social security number.
Information about your transactions with us or others, such
as account balance and payment history.
Information we receive from a credit reporting agency, such
as your credit worthiness and credit history.
Information obtained when verifying the information you provide
on an application or other forms. This may be obtained from your
current or past employers or from other institutions where you
conduct financial transactions.
We may disclose all of the information we collect, as described
above, as permitted by law.
Parties Who Receive Information from Us
We may disclose nonpublic personal information about you to the
following types of third parties:
Financial companies, such as insurance companies, credit card
servicing companies, check printers, and data processor;
Non-financial companies such as consumer reporting agencies,
data processors, check/share draft printers, plastic card processors,
and government agencies.
Disclosure of Information to Parties that Provide Services
to Us
We may also disclose information about you under other circumstances
as permitted or required by law. These disclosures typically include
information to process transactions on your behalf, conduct the
operations of our credit union, follow your instructions as you
authorize, or protect the security of our financial records.
Disclosure of Information about Former Members
If you decide to terminate your membership with Jack Daniel Employees’ Credit
Union, we will not share information we collect about you, except
as may be permitted or required by law.
How we protect your information
We restrict access to 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 information.
What Members Can Do to Help
Jack Daniel Employees’ Credit Union is committed to protecting
the privacy of its members. Members can help by following these
simple guidelines:
Protect your account numbers, card numbers, and PINs (personal
identification numbers). Never keep your PIN with your credit
card. This could provide free access to your account if your
card is lost or stolen.
Use caution when disclosing your account numbers, social security
numbers, etc. to other persons. If someone calls you, explains
the call is on behalf of the credit union and asks for your account
number, you should beware. Official credit union staff will have
access to your information and will not need to ask for it.
Keep your information with us current. It is important we have
current information on how to reach you. If we detect potentially
fraudulent or unauthorized activity or use of an account, we
will attempt to contact you immediately. If your address or phone
number changes, please let us know.
Let us know if you have questions. Please
do not hesitate to call us – we are here to serve you!
Children
Jack Daniel Employees’ Credit Union does not knowingly collect
personal data from children under the age of eighteen on our web
site. If you are under eighteen, please do not give us any personal
data. If you have reason to believe that a child has provided personal
data to Jack Daniel Employees’ Credit Union through this
web site, please contact us, and we will endeavor to delete that
information from our databases.
About our Web Site
Our home banking database or CU at Home is a private
system operated for the exclusive use of our members. We use SSL
encryption and digital server authentication to insure the privacy
of your information when sending data between our home banking
server and your home computer.
If you visit a secure site, such as CU at Home,
you will be asked for personal information numbers which will give
you access to the member only section of our website. This information
enables us to regulate entry to the member only portions of our
website and to store certain information such as how often you
visit the home banking section, dates and times of visits and which
pages are being used. Any identifying information gathered is used
for internal review and product evaluation only and is not sold
to third parties.
We use “cookies” to help us
administer the CU
at Home section. Some browsers allow you to reject cookies
from servers. If you don’t allow us to set a cookie upon
entering the site, you will not be able to log in. The cookie
we set contains information we need for security, and allows
us to “time out” your authority to view information.
We place the cookie with instructions that it can only be sent
to a server in our home banking domain (homecu.net). A cookie
cannot be used to extract data from your PC. We do not store
your Access Code, User ID, or Password in your cookie.
We may gather and store additional information available to us
on failed login attempts and other activity we consider a threat
to our system. In these cases, we will share this information with
other companies, agencies and law enforcement officials as we see
fit.
If you send an e-mail, we store personally-identifying information
in order to process your e-mail, form or application, and respond
according to the information you have requested. Due to the volume
of e-mail activity, these messages are deleted after they are answered
or completed. If communication is very sensitive or includes personal
information like your credit union account number or social security
number, you may want to send it by postal mail or telephone instead
of by e-mail.
Links
JDECU’s web site contains links to other sites. Please be
aware that we are not responsible for the privacy practices, content
or operation of such other sites and we ask that you read the privacy
statements of each web site to determine what personally identifiable
information may be collected. These links are provided for your
reference and convenience only. If you link to another site from
any of our pages, you are leaving our site pages, and we cannot
be held responsible for any information that may be gathered at
a linked site.
Surveys
From time-to-time, JDECU may request information from members via
surveys on its web site. Participation in these surveys is completely
voluntary and the member therefore has a choice whether or not
to disclose this information. Survey information will be used
for purposes of monitoring or improving the use and member satisfaction
of JDECU’s web site and other Jack Daniel Employees’ Credit
Union products and services.