User Data Online Privacy Policy

Baton Rouge Telco Federal Credit Union (“Telco”) understands the importance of protecting your privacy. We believe that trust is one of the most important aspects of a relationship. We value the trust you place in us to keep your finances and other information confidential, and our goal is to maintain trust and confidence when handling your personal information.

This Online Privacy Policy (“Policy”) describes how Telco collects, uses, shares, and protects information when you visit or use www.brtelco.org (“the Website”). By using the Website, you consent to the terms and conditions of this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy. The term “us,” “we” or “our” in this Policy refers to Baton Rouge Telco Federal Credit Union.

ACCESS

Member Access

As long as your account is in good standing at Telco, you are eligible for Online Banking. You may gain access to your accounts online through use of any of your internet-enabled devices supported by Telco.

Requirements

When you initially log into Online Banking, you will need to know your member number and MANDI (audio response service) PIN. You will then be required to accept disclosures, create stronger login credentials, and set the multi-factor authentication methods for added security.

Touch ID

Some Touch ID mobile devices are supported when using our mobile app. Touch ID is an alternate login option to the traditional username/password. It will allow you to access mobile banking using built-in, fingerprint-sensor technology. Your device stores encrypted Touch ID fingerprints that you have added. Our mobile banking app cannot access or identify the owner of the actual fingerprint. It only determines if the fingerprint is valid on that device. This means that by choosing to enable Touch ID, every person with an enrolled fingerprint on your device may have access to your account. It is your responsibility to manage this access on your device. If your device is stolen you must disable the Touch ID.

COLLECTING, USING, AND SHARING INFORMATION

How We Collect Information

“Cookies” are pieces of information that are stored directly on your computer, smartphone or other internet access device. Browser cookies are assigned by a web server to the browser on your device. When you return to a website you have visited before, your browser gives this data back to the server. When you visit the Website, we may use cookies and information gathered through their use to personalize your experience with us based on the products, services and other interactions you have with us. Information gathered through the use of cookies may be used to make offers to you via online ads, email, U.S. mail or telephone, subject to the privacy preferences you have on file with Telco. Cookies we use do not contain or capture unencrypted personal information.

The browsers of most computers, smartphones and other internet access devices are set up to accept cookies. You can refuse to accept these cookies through your browser settings. You will need to manage your cookie setting for each device and browser you use. If you choose to reject cookies, you may not be able to use the full functionality of the Website.

Personal Information We Collect

When you interact with us via our Website, we will not obtain personal information about you unless you choose to provide such information. Personal information that we may collect about you through online interaction includes information that you provide, such as your name, mailing address, email address and other contact information; data resulting from your activity, such as transaction information; and limited location information (for example, a zip code to help you find a nearby ATM). We may also collect payment card information, social security numbers, and driver’s license numbers when you provide such information while using our Website.

We will retain your personal information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Other Information We Collect

In addition to the personal information described above, we also collect anonymous demographic information, which is not unique to you, such as your ZIP code, region, preferences, interests, and favorites. We may also automatically collect information about your computer hardware, such as the IP address of the device you use to connect to the Website, the type of operating system and browser you use, search engine used, access times, referring website addresses, the parts of our Website you access, and the site you visit next.

Third-party Widgets

We may allow certain widgets (e.g., social share buttons) on our Website that allow users to easily share information on another platform, such as a social media platform. The third-parties that own these widgets may have access to information about your browsing on pages of our Website where these widgets are placed. You may wish to review information at the third-party sites, such as social media platforms where you have an account, to determine how these third-parties collect and use such information.

How We Use Information

In addition to the uses described above, we use the information for purposes as allowed by law, such as:

  • To process applications and transactions;
  • To service your accounts with us;
  • To send you important information regarding the Website, changes to terms, conditions and/or policies;
  • To track Website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our Website;
  • To verify your identity (such as when you access your account information);
  • To respond to your requests and to communicate with you;
  • To send you marketing communications that we believe may be of interest to you;
  • To allow you to participate in surveys, sweepstakes, contests and similar promotions;
  • For our business purposes, including data analysis, developing and improving our products and services, and enhancing our Website; and
  • To prevent fraud and enhance the security of our Website.

How We Share Your Information With Third-Parties

If you are a Telco member, we will use and share any information that we collect from or about you in accordance with our Privacy Notice and our Opt-Out Notice, which offers you certain choices with respect to the use and sharing of your personal information. Please click this link to see our Privacy Notice and our Opt-Out Notice.

Telco may share the information we collect from and about you with service providers with whom we work, such as data processors and companies that help us market products and services to you. When permitted by law, we may share information with additional third-parties for purposes including response to legal process. Where appropriate, we will limit sharing of your information in accordance with the choices you have provided us in response to our Privacy Notice and Opt-Out Notice.

We do not partner with third-parties for the purposes of engaging in online behavioral tracking, nor do we permit third-parties to collect from the Telco Website personally identifiable information about your online activities.

INTERRUPTION OF SERVICE

At certain times, Telco may not be available due to system maintenance or circumstances beyond our control.

INTERNET ACCESS FEES AND TELEPHONE CHARGES

You agree to be solely responsible for any telephone and data charges, internet access fees, and other such similar fees and expenses you may incur by accessing Telco’s Website or Mobile Banking app. Please note that these fees may be assessed and billed separately by your online service provider, telephone company or cellular service.

CHILDREN’S ONLINE INFORMATION PRIVACY

Our website is not intended for children under the age of 13. We do not knowingly collect, maintain, or use personally identifiable information from our Website about children under the age of 13 without parental consent. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website: www.ftc.gov.

UPDATING YOUR PERSONAL INFORMATION

Keeping your account information up-to-date is important. You can access and/or update your personal information in connection with your account or application by logging on to your account online or telephoning our Member Service TEAM at 1-800-634-3044, option #3.

EMAIL COMMUNICATION

We may use personal information you transmit to us to respond to inquiries for service or information, or improve the service Telco provides to its members. Since email communication may not be secure against interception by unauthorized individuals, users may want to seek alternatives to email when it is necessary to provide sensitive or personal information.

Telco will not transmit sensitive or personal information that can compromise or violate a user’s privacy when communicating via email.

SECURITY

To protect your personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include Secure Socket Layer (SSL), Transport Layer Security (TLS), or a similar encription standard technology. SSL is a security protocol for data transfer on the internet. This technology scrambles your account information as it moves between your internet-enabled device’s browser and Baton Rouge Telco Federal Credit Union’s computer system. This secure session helps protect the safety and confidentiality of your information when you bank with us online. We also limit access to your personal information to those who need it to do their jobs.

LINKING TO OTHER WEBSITES

The Telco Website may contain links to third-party websites. Although these links were established to provide you with access to useful information, Telco does not control and is not responsible for any of these websites or their contents. We do not know or control what information third-party websites may collect regarding your personal information. Telco provides these links to you only as a convenience, and Telco does not endorse or make any representations about using such third-party websites or any information, software or other products or materials found there, or any results that may be obtained from using them. We encourage you to review the privacy statements of websites you choose to link to from Telco’s Website so that you can understand how these websites collect, use, and share your information. Telco is not responsible for the security or privacy practices of the linked websites.

UPDATES TO THIS ONLINE PRIVACY POLICY

From time to time, we may change this Policy. The effective date of this policy, as indicated above, reflects the last time this Policy was revised. Any changes to this Policy will become effective when we post the revised Policy on our Website. Your use of the Website following these changes means that you accept the revised Policy.