Last updated: December 4, 2024
This privacy policy is meant to help you understand what data mhfcu.com and its related pages (the “Website” or “Site”) collect when you use the Website, why we collect it, what we do with it, and how we protect it. Maine Highlands Federal Credit Union, which owns and operates the Website, is committed to ensuring that your privacy is protected. This is important, so we hope you will take time to read it carefully.
The terms “we,” “our,” and “us,” in this Privacy Policy refer to Maine Highlands Federal Credit Union. “You” and “your” refer to you as a user of the Website.
BY USING AND/OR PARTICIPATING IN/ON THE SITE, YOU SIGNIFY THAT YOU HAVE READ THE TERMS IN THIS PRIVACY POLICY AND AGREE TO BE BOUND BY, AND COMPLY WITH, THEM. IF YOU DO NOT AGREE TO BE BOUND BY, AND COMPLY WITH, THESE TERMS, PLEASE PROMPTLY EXIT THE SITE.
Information We Collect
Information is collected from you at several different points during your visit to the Website.
Information You Give Us
At certain points during your visit to the Website you may be asked to provide information about yourself, or given the option to provide certain information, such as your name, mailing address, telephone number, and email address. For example: you are asked to provide your name, email address, and phone number when completing our Contact Us form. You have the choice about whether to disclose the information necessary to use these features.
Passive Collection of Information
In addition to information that you actively provide us, we collect information about how you interact with the Website. For example, like many websites, we use analytical tools to gather aggregate website traffic data. The types of passive information collected by the Website include, but are not necessarily limited to, number of users, session statistics, approximate geolocation, browser and device information.
Cookies
We use “cookies” to collect and store information related to how our Site is used when you visit the Website in order to improve our services for you. Cookies are files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and transferred to your device.
We use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time.
We use session cookies to monitor your interaction with the Website. We also use permanent cookies to track click streams. We do not link cookie data to personally identifiable information.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. The “help” feature on most browsers provides information on how to accept cookies, disable cookies, and how to receive a notice when receiving a new cookie. If you do not accept cookies, you may not be able to use some features of our Site.
The following operators collect information about you while you are on the Websites:
Google, Inc.
1600 Amphitheatre Parkway
Mountain View, CA 94043
T: 855-836-3987
Emailed inquiries can be made using forms found on this service provider’s customer support website: https://www.google.com/contact/
How We Use Information We Collect
We use the information we collect to provide, maintain, protect, and improve the Website and the services we provide on it. We also use this information to do the following:
- To identify and communicate with you;
- To respond to your requests/inquiries;
- To contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send;
- To inform our marketing strategy and approach;
- To correspond and maintain internal records regarding your inquiries about the Website (including this Privacy Policy and the “Terms of Use“) and other things you may want to discuss with us;
- To maintain certain third-party analytics reports, which track non-personal Website traffic activity for the purpose of improving the website and providing the best services possible to visitors/users to/of the Website, including determining the content of greatest interests to Website visitors and what types of devices are accessing the Website; and/or restore lost data or help resolve Website visitor issues.
- To serve you advertisements for our services across different internet websites.
Contacting You
We may use your contact information such as email or telephone number to respond to form submissions or webchat requests. The frequency of these messages will vary depending on the types of information each user has indicated an interest in.
Out of respect for the privacy of our users, we present the option to opt-out of receiving newsletters and/or commercial e-mails whenever such messages are sent by us by calling or texting us at 207-924-5544 or visiting mhfcu.com/contact. Communication from third parties are not governed by the opt-out provisions of this Privacy Policy, but all such third parties are strongly encouraged to include opt-out procedures in their messages to you.
Disclosure of Information to Third Parties
From time to time we may decide that it is more efficient to use third parties to perform specific services, such as sending newsletter or other correspondence to our users. If we use a third party to provide a specific service your information may be shared with those third-party partners to the extent necessary for those organizations to provide services to us or to our users. Any such organizations who receive user information for this purpose are required to keep the information confidential and only use it to provide services to us or our Site users.
We may also provide your information to third parties in the following circumstances:
- If you have authorized us to do so;
- We are legally required to do so, for example, in response to a subpoena, court order or other legal process;
- It is necessary to protect the legal rights, privacy, property, or safety of our organization, its subsidiaries, and/or affiliates, or our employees, agents, and/or contractors;
- To protect against fraud or other illegal activity or for risk management purposes;
- To protect the safety and security of visitors to the Website;
- If we accept an offer to purchase some or all of the information that we maintain about our customers, either as part of a sale of our business or otherwise, including, but not necessarily limited to [insert list of customer data that may be sold here];
- To permit us to pursue available remedies or limit the damages that you may sustain; and/or
- To enforce the Terms of Use.
We may also share aggregate, non-personal information about website usage with third parties. This aggregate information does not contain any personal information about our users.
The third-party services covered by this section do not include link to third-party websites found on the Website, which are governed by the section of this Privacy Policy (“When this Privacy Policy Applies”) dealing with links to other websites.
When this Privacy Policy Applies
Our Privacy Policy applies to the Website. It does not apply to other websites or services that have separate privacy policies that do not incorporate this Privacy Policy. The Website may contain links to other websites or direct you to other websites when you use certain functionality on the Website, like when you link to our check printing vendor to order checks. However, once you have used these links and/or been redirected to leave our Website, we do not have control over the other websites you visit and we are not responsible for their privacy practices. Therefore, we cannot be responsible for the protection and privacy of any information that you provide while visiting such websites. You should exercise caution and look at the privacy statement applicable to other linked websites.
The following privacy notice is provided to users who become consumers or members (as those terms are defined in the Gramm Leach Bliley Act) – Privacy Notice.
To the extent either of the above-referenced Privacy Notice conflicts with the terms of this Privacy Policy, the terms of the Privacy Notice will apply.
Controlling Your Personal Information
People have different privacy concerns. Our goal is to be clear about what information we collect and what we do with it so that you can make meaningful choices about how it is used. If you choose, you may restrict our collection or use of your information through the Website in the following ways:
- Do not submit information through the Website.
- Do not visit third-party websites through the Website. We are not responsible for the privacy practices of other sites.
- Do not send us e-mails or utilize webchat.
Children’s Privacy
This Website contains information about financial services. We do not intend to gather personal information online from or about children. We encourage all children and teens to seek consent form their parents before providing any information about themselves, their families, or their homes to anyone on the Internet.
Terms of Use
Please also see our Terms of Use which sets forth the terms of use, disclaimers, and limitations of liability governing use of the Website.
Do Not Track (DNT) Disclosure
Our Website does not respond to DNT signals sent by browsers. Currently, there is no industry standard for recognizing or honoring DNT signals, and, as such, we do not take any action in response to these signals. For more information about DNT, please visit www.allaboutdnt.com.
Digital Banking
Our website provides a tethered login and information to assist our members in both enrollment and sign on to our digital banking platform. Enrolled Digital Banking users are bound to our Digital Banking Agreement and Disclosures, which contains a section related to your personal information including but not limited to use of cookies to help verify returning users and mobile application-specific provisions.
Security
The security of your information is important to us, and we strive to implement and maintain commercially reasonable security procedures and practices appropriate to the nature of the information we store, in order to protect it from unauthorized access, destruction, use, modification, or disclosure.
While we strive to protect the information you provide to us, we cannot guarantee or warrant the security of any information you transmit to us or receive from us. This is especially true for information you transmit to us via email since we have no way of protecting that information until it reaches us since email does not have the security features that are built into our Website.
Changes to this Privacy Policy
Our Privacy Policy may change from time to time. We will post any privacy policy changes on this page. You should check this page from time to time to make sure you are okay with any changes that we make. If we make significant changes to our privacy practices we will provide a more prominent notice of changes to this policy. This privacy policy is effective as of December 4, 2024.
Contact Us
If you have any questions about this Privacy Policy, please contact us at:
207-924-5544, info@mhfcu.com, or visit us at mhfcu.com/contact.