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Privacy & Security

Privacy Statement
Security Statement

Annual Required Privacy Notice - Click here

A Privacy Notice to Our Members:

Our credit union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union.

As a member of our credit union, you also have a responsibility to safeguard your financial information.

To ensure that you can rely upon the quality of products and services we make available, our credit union stands behind the following privacy policy:

  • Our credit union will collect only the personal information that is necessary to conduct our business. That means just what is necessary to provide competitive financial products and services -- no more.
  • Our credit union will protect your personal information. Our credit union will maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we will use security coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.
  • You will always have access to your information. As a member of our credit union, you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate.
  • Our credit union will only share information when absolutely necessary. We will only share information to administer the products and services we provide, when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services.
  • Our credit union will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our members´ economic well-being. Under no circumstances will we authorize these firms to charge your account without your expressed consent, and we will not sell member information to telemarketing firms.
  • Our credit union will offer you a choice in how your information is used. Any member of our credit union may elect to keep their information from being shared with our business partners. We will inform you on how to exercise your choice, and we will take all reasonable steps to make sure your requests are followed. At least once a year, we will remind all members of your right to choose.

Cookies

Any information that we collect is stored using a cookie that is placed on your computer. We do NOT use this cookie to collect or store personally identifiable information about you. However, the cookie is used to track information about how you interact with our website. It also allows our website to be customized to meet your interests.

Linking to Other Web sites

Links from our Web site are provided for your convenience only. These linked sites are separate from our credit union´s Web site. The privacy policies of the linked sites may be different from Upper Michigan Community Credit Unions privacy policy. In addition a link from our Web site does not indicate that Upper Michigan Community Credit Union endorses the services or policies of such third party Web sites.

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Security Statement

Upper Michigan Community Credit Union is constantly concerned about our member’s critical information and privacy. With this in mind, we have the following security services installed on our Internet server:

  • Each server is behind a Firewall. This UNIX based hardware product blocks critical ports and IP addresses on servers from external attack and access.
  • Each server runs proprietary software that constantly monitors the servers for unauthorized use and attempts to "hack" into information. Administrators are contacted when forced attacks are committed, and countermeasures can be applied to stop these instances.
  • All administrative activity requires user login and authentication. All administrative updates are logged into files that can be reviewed later.
  • All servers come with a Global Verisign Certificate (RSA) for digitally encrypted communications between the Web server and your member. Information passed in applications cannot be decrypted by third parties attempting to "pick" information being passed across the Internet backbone.
  • All servers run the latest version of Apache Web Server, considered the strongest and most secure Web server software on the market.
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