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PRIVACY NOTICE DISCLOSURE
Black Hills Federal Credit Union is committed to providing you with competitive products and services to meet your financial needs and help you reach your financial goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to provide you with this privacy notice. It describes our Credit Union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal, and sometimes nonpublic, information from us as we conduct the business of the Credit Union.
If after reading this notice you have questions, please contact us at:
(605) 718-1818 (Local Calls Only)
(800) 482-2428 (Long Distance Calls)
or write to:
Black Hills Federal Credit Union
P.O. Box 1420
Rapid City, SD 57709-1420
INFORMATION WE COLLECT ABOUT YOU —
We collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications and other forms
• Information about your transactions with us
• Information we receive from a consumer reporting agency
• 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 only 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 service providers, such as insurance companies and mortgage service companies
• 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 —
In order for us to conduct the business of the Credit Union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing agreements, to other companies that perform marketing services on our behalf, or to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize, so that we may provide you, our member, competitive products and services. A joint marketing agreement is restricted to the product and/or service offered and your member information is protected and held confidential.
We may also disclose nonpublic personal information about you under 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.
To protect your privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide them to other third parties.
DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS —
If you terminate your membership with Black Hills Federal Credit Union, we will continue and adhere to the privacy policies and practices as described in this notice.
HOW WE PROTECT YOUR INFORMATION —
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.
WHAT MEMBERS CAN DO TO HELP —
Black Hills Federal Credit Union is committed to protecting your privacy. You can help by following these simple guidelines:
• Protect your account numbers, plastic card numbers, personal identification numbers (PINs) or passwords. Never keep your PIN with your card, as it can provide free access to your accounts 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 explaining the call is on behalf of the Credit Union and asks for your account number, and/or other non-public personal information 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. If your address or phone number changes, please let us know. It is important that 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.
Let us know if you have questions. Please do not hesitate to call us – we are here to serve you!
Black Hills Federal Credit Union values your trust and confidence, no matter how you are interacting with us. We adhere to our Privacy Policy at all times, including at the branch, on the phone, in the mail and on the Internet.
The Internet is such a relatively new and different medium; therefore, we have adopted standards and practices that we use to protect your privacy. These work in conjunction with our existing Privacy Policy.
Black Hills Federal Credit Union is committed to protecting the information of members and visitors who use our website.
Secure Transmissions
Black Hills Federal Credit Union has established security standards for accessing Black Hills Federal Credit Union that provides for protection of personal information. These security standards include the requirement of access codes, firewalls, and encryption technologies to protect information you submit on our website. Find out more about Internet security.
Cookies
We may receive and store certain types of information when you use our website. Like many websites, we use cookies to let you personalize our site, to allow you to avoid re-entering information when returning to the site and to gather data about how visitors use our website. A cookie is a small piece of information that a website stores on the computer you are using that can be retrieved later. The cookie cannot be read by a website other than the one that set the cookie.
Information gathered online
As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you information about other services. Black Hills Federal Credit Union collects and stores for staff use only information such as names, addresses, phone numbers, email addresses, user identification, and passwords of members who conduct business on our website. We may use this information in surveys to improve the quality of our website information and services to our members.
E-Mail
When you send us an e-mail, Black Hills Federal Credit Union will retain your e-mail address, the content of the e-mail and our response to best serve you and assist us with and follow-up questions that you may have. Our e-mails are not secure; if the information that you are sending to us is confidential in nature, please consider using other means of communication such as the telephone, fax, or mail.
Children
We do not knowingly solicit information from children under 13 without parental consent. Black Hills Federal Credit Union is committed to protecting children's identities and information online.
Links to other sites
We provide a variety of links to non-BHFCU websites, such as merchants and information sources. While we attempt to monitor these sites to maintain our high standards, we offer these links only as a convenience to our members.
If you choose to leave Black Hills Federal Credit Union's website, you will visit a web-site that is not operated by the credit union. Black Hills Federal Credit Union is not responsible for the content or availability of linked sites.
Please be advised that Black Hills Federal Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.
Disclosures
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