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Privacy Policy

Thank you for visiting the Miami University Community Federal Credit Union Web site and reviewing our internet privacy policy.

Information Collected and Stored Automatically

For site security purposes and to ensure that this service remains available to all users, MUCFCU employs software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.

For site management, information is collected for statistical purposes. Computer software programs are used to create summary statistics, which are used for such purposes as assessing what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas. No personal information, such as your name or address, is collected or used for this analysis. We collect no information which would identify you personally.

We automatically collect and store only the following information about your visit:

  • The Internet domain (for example, "xcompany.com" if you use a private Internet access account, or "yourschool.edu" if you connect from a university's domain) and IP address (an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web) from which you access our web site
  • The date and time you access our site
  • The pages you visit and the result of the request, such as an image or query
  • Other status codes and values resulting from the Web server responding to the request received: HTTP status code, Windows NT code, number of bytes sent, number of bytes received, duration (in seconds) to fulfill the request, server port number addressed, and protocol version.

Information Collected from E-mails and Web Forms

When you send us personally identifying information, for example, in an electronic mail message containing a question or comment or by filling out a form that E-mails us this information, we use this information to fulfill or respond to your requests. We may store these requests to provide us with information for future improvements to our Web site. We may forward your E-mail to other government employees who are better able to respond to your request. MUCFCU may also use this information to help us do our work. We do not create individual profiles with the information you provide. MUCFCU may occasionally submit our members' personal information, which may include information submitted through email and online forms, to our approved third-party service partners, at the partner's request; members may request to be opted out of such submissions by contacting the credit union. Otherwise, MUCFCU does not give, sell or transfer personal information to third parties, unless required by law.

Linked Websites

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. MUCFCU is not responsible for the content or availability of sites linked to our home page. We take reasonable precautions to assure that any site you link to from our home page respects your right to privacy, however, we cannot guarantee it.

Terms of Use

By accessing this website, you are agreeing to be bound by these website Terms and Conditions of Use and all applicable laws and regulations, and you agree that you are responsible for compliance with any applicable local laws. The materials contained in this website are protected by applicable copyright and trademark law.

Permission is granted to use MUCFCU's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not attempt to decompile or reverse engineer any software contained on MUCFCU's website. This license shall automatically terminate if you violate any of these restrictions and may be terminated by MUCFCU at any time.

The materials on MUCFCU's website are provided "as is." Except where explicitly stated, MUCFCU makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties regarding the use of and materials found on this website.

MUCFCU makes a reasonable effort to maintain the security and integrity of this website. However, any visitors to this website are responsible for following reasonable security practices for their computers and Internet-enabled devices, such as running updated anti-virus and anti-malware software and exercising caution when accessing this website over a non-secure Internet connection.

In no event shall MUCFCU or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on MUCFCU's Internet site, even if MUCFCU or a MUCFCU authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

The materials appearing on MUCFCU's website could include technical, typographical, or photographic errors. MUCFCU intends to make an effort to keep all website materials accurate and up-to-date; however, MUCFCU does not warrant that the materials on its website are accurate, complete, or current. MUCFCU may make changes to the materials contained on its website at any time without notice. However, this paragraph should not be interpreted as a commitment by MUCFCU to update the materials on its website.

MUCFCU assumes no responsibility for the contents of any third party website linked to on its Internet website. The inclusion of any link does not imply endorsement by MUCFCU of the site. Use of any such linked website is at the user's own risk.

MUCFCU may revise these terms of use for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms of Service.

Any claim relating to MUCFCU's website shall be governed by the laws of the State of Ohio without regard to its conflict of law provisions.

Third-Party Online Member Services

MUCFCU outsources the operation of some of its online member services and products to third-party service providers. While MUCFCU feels it has performed adequate due diligence for such third-party service providers, MUCFCU cannot warrant the security, integrity, accuracy, or completeness of the websites or the materials on the websites of such third-party service providers. MUCFCU assumes no responsibility for, nor does MUCFCU necessarily endorse, the contents of any third-party online member service providers' websites. Use of any such website is at the user's own risk.

In no event shall MUCFCU or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on the websites of such third-party service providers, even if MUCFCU or a MUCFCU authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

The website of a third-party online member service provider may contain its own Terms of Service and Privacy Policy, separate from the Terms of Service and Privacy Policy on MUCFCU's website. Your use of a third-party service provider's website indicates your agreement to be bound by the third-party service provider's website Terms of Use and all applicable laws and regulations. The Terms of Service of said third-party service provider websites, or contact information for the third-party service providers where Terms of Service are not linked, may be found at the following links:

Children’s Online Privacy Protection Act (COPPA) Notice

Miami University and Community Federal Credit Union (MUCFCU)’s website is directed at users age 18 and over. We do not intentionally or knowingly collect information on children under age 13 through our website.

Accounts for young members (“Kiddie Hawk” accounts) must be opened at an MUCFCU branch, with a parent, grandparent, or legal guardian present. A parent, grandparent, or legal guardian must be listed as a joint owner on a Kiddie Hawk account, and must consent to the credit union’s collection of any of the child’s personal information. Kiddie Hawk accounts cannot be opened or initiated online. Should a child under age 13 attempt to open an account online, MUCFCU will, upon discovery of the child’s age, delete the personal information submitted by the child from its computer system(s) and/or attempt to notify the child’s parent or legal guardian that the child’s personal information was submitted.

If a Kiddie Hawk account holder or joint owner uses MUCFCU’s Online Banking service, the service may occasionally ask for the child’s personal information (specifically birth date, ZIP code, and/or last 4 digits of his/her Social Security number), in order to verify that the user has the credentials to access the account online. The entry of this information will be used solely for verification purposes, and must match the child’s information already in MUCFCU’s account records, obtained previously with the permission of the parent, grandparent, or legal guardian.

MUCFCU may occasionally submit a child’s personal information to our approved third-party service partners, at the partner’s request. A parent or legal guardian may ask that his or her child be opted out of such submissions when opening the child’s account, or later on by contacting the credit union.

A parent or legal guardian has the right to review his or her child’s personal information collected, ask to have the information deleted, and/or refuse to allow any further collection or use of the child’s information. Such requests may be made by contacting the credit union.

 

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