Online Privacy Policy
Online Services Disclaimer
The www.nechesfcu.org site is owned by Neches Federal Credit Union, a federally chartered financial institution. The website is operated by our staff in conjunction with PixelSpoke. Neither Neches Federal Credit Union nor PixelSpoke will be liable for any damages of any kind arising from the use of this site or any link from this site, included but not limited to direct, indirect, incidental, punitive, and consequential damages. This site is controlled by Neches Federal Credit Union within the State of Texas, USA. The laws of the State of Texas will govern these disclaimers, terms, and conditions unless superseded by federal law.
External Links Disclaimer
If you use links provided on this website to other Internet sites and services, you acknowledge that Neches Federal Credit Union does not endorse those sites or services and is not responsible or liable for their content or any loss occasioned by any such content. Other Internet sites or services may have privacy or security policies that differ from those of Neches Federal Credit Union.
Scope of This Privacy Policy
This Online Privacy Policy explains how Neches Federal Credit Union (“Neches FCU,” “we,” “our,” or “us”) collects, uses, and safeguards information obtained through our website, mobile applications, and other online services (“Online Services”).
This policy applies to website visitors, mobile application users, and other individuals who interact with our Online Services. It supplements, but does not replace, the Neches Federal Credit Union Member Privacy Notice provided pursuant to federal law, which governs the collection and use of nonpublic personal information related to financial products and services provided to members.
Privacy Statement
Neches Federal Credit Union is owned by its members and is run by a board of directors elected by its members. Financial privacy is a top priority of the credit union. Federal law requires us to provide a privacy notice explaining how collect, use, and safeguard your personal financial information. If you have any questions, please contact a member service representative at 409-722-1174.
To provide competitive products and services, we may share information with companies that perform services for us or with financial institutions with whom we have joint marketing agreements. We work only with companies that agree to maintain confidentiality and security protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to third parties.
Information We Collect and Disclose About You
We collect and may disclose nonpublic personal information from the following sources:
* information provided on membership, loan, and other applications
* information about transactions with us or others
* information receive from a consumer reporting agencies
* information used to verify application data, including from employers or other financial institutions
We may disclose information as permitted or required by law, including to process transactions, conduct operations, follow your instructions, or protect the security of our records.
If your membership with Neches Federal Credit Union ends, we will continue to safeguard information as required or permitted by law.
Information Collection and Use for Online Services
We collect information to provide and improve our Online Services.
Personal Data
Personal information may include:
- Name
- Email address
- Phone number
- Online identifiers such as IP address or device identifiers
- Cookies and usage data
Location Services Information
We may collect precise location information when you use certain features, such as our mobile banking services or ATM/branch locator tools. Location information is collected only with your permission and can be managed through your device or application settings. Location data is used only for the duration necessary to provide requested services and is not retained longer than necessary. Access to location data is restricted to authorized personnel and services providers subject to confidentiality and security requirements.
Usage Data
Usage Data may include IP address, browser type, pages visited, dates and times access, time spent on pages, and diagnostic data.
Cookies and Similar Technologies
We use cookies and similar technologies to operate, analyze, and improve our Online Services. You may configure your browser to refuse cookies, but some features of the Online Services may not function properly.
Use of Information
Information collected through our Online Services is used to:
- Provide and maintain services
- Communicate changes or updates
- Provide customer support
- Analyze and improve services
- Monitor usage and address technical issues
We do not use nonpublic personal financial information collected in connection with member accounts for targeted advertising or remarketing. Advertising and analytics services use limited online identifiers and are not connected to account numbers, transaction details, or authentication credentials.
Data Retention
Personal information is retained only for as long as necessary to fulfill business, legal, and regulatory purposes. Information that is no longer required is securely disposed of in accordance with record retention and information security requirements.
Transfer of Information
Information collected through our Online Services may be processed and stored on systems located outside of your state or country, including within the United States. By using our Online Services, you acknowledge that information may be transferred and processed in the United States subject to applicable legal and security safeguards.
Disclosure of Information
We may disclose personal information to comply with legal obligation, protect the rights or property of Neches Federal Credit Union, prevent or investigate wrongdoing, protect personal safety, or defend against legal liability.
Security of Information
We use administrative, technical, and physical safeguards to protect personal information. No method of transmission over the Internet or electronic storage is completely secure, and absolute security cannot be guaranteed.
In the event of a suspect or confirmed data security incident, Neches Federal Credit Union will respond in accordance with applicable federal and state laws and regulatory requirements, including providing notice when required.
Service Providers
We may use third-party service providers to support our Online Services. Service providers are contractually required to protect personal information, use it only for authorized purposes, and maintain appropriate administrative, technical and physical safeguards.
Analytics and Advertising Services
We may use third-party analytics and advertising services, such as Google Analytics, Google Ads, and Facebook, to analyze usage patterns and display advertisements based on prior visits to our Online Services. These providers offer tools to opt out of certain data collection and interest-based advertising.
Links to Other Websites
Our Online Service may contain links to third-party websites. We are not responsible for the content, privacy practices, or security of third-party sites.
Children’s Privacy (COPPA Notice)
Neches Federal Credit Union offers online products and services, including membership and account applications, that may be used to establish accounts for children under the age of 13 with the involvement and consent of a parent or legal guardian.
We do collect personal information about children under the age of 13 only when the information is provided by a parent or legal guardian, or with verifiable parental consent, as required by the Children’s Online Privacy Protection Act (COPPA).
Information collected for children under 13 is used solely for account establishment, servicing, security, and compliance with applicable laws and regulations. Information about children under 13 is not used for marketing or advertising purposes.
Parents or legal guardians may review their child’s information, request corrections, request deletion where legally permissible, or refuse further collection or use by contacting Neches Federal Credit Union at 409-722-1174. Reasonable steps will be taken to verify the identity and authority of the requesting parent or legal guardian.
Your Privacy Rights
Subject to appliable law, individuals may request access to, correction of, or deletion of personal information by contacting Neches Federal Credit Union at 409-722-1174. Identity verification may be required before requests are processed.
Changes to this Policy
This Online Privacy Policy may be updated from time to time. Updates will be posted on this page with the revised effective date.
How We Protect Your Information
Access to nonpublic personal information is restricted to employees with legitimate business need. Employees receive periodic training on information security, privacy, and confidentiality requirements. Neches Federal Credit Union maintains physical, electronic, and procedural safeguards consistent with federal regulations and industry standards.
What We Can Do to Protect Your Privacy
* Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which 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, explains the call is on behalf of the credit union and asks for your account number, you should be 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. 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. If your address or phone number changes, please let us know.
Questions
If you have any questions about this Online Privacy Policy, please contact Neches Federal Credit Union at 409-722-1174.