Consumers’ Rights to Privacy and Confidentiality
Keeping your personal information safe is our priority. View our policies to find out how we collect, use, share, and protect information about you.
If you are a California resident, please refer to Altra’s California Privacy Policy and Notice for additional information about your rights under the California Consumer Privacy Act.
What does Altra do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and account balances, credit history and credit scores, and income and payment history. When you are no longer our member, we continue to share your information as described in this notice.
How?
All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Altra Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Altra Federal Credit Union share?
Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus
For our marketing purposes – to offer our products and services to you
For joint marketing with other financial companies
*Data obtained through the short code program will not be shared with any third-parties for their marketing reasons/purposes
For our affiliates’ everyday business purposes - information about your transactions and experiences
For our affiliates’ everyday business purposes - information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you
What we do
How does Altra Federal Credit Union protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Altra Federal Credit Union collect my personal information?
We collect your personal information, for example, when you open an account or deposit money, pay your bills or use your credit or debit card, and apply for financing. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes – information about your creditworthiness, affiliates from using your information to market to you, and sharing for nonaffiliates to market to you. State law and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
• Altra Federal Credit Union does not share with our affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• Altra Federal Credit Union does not share with our nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Our joint marketing partners include insurance companies.
Web Privacy Policy
For statistical and security purposes, Altra Federal Credit Union tracks the Internet protocol addresses, browser type, domain names, and the previous site visited of the users who contact our website.
Use of our website does not require users to disclose personally identifying information. Those who email the credit union should be aware that any information attached to that email address, such as name or workplace, will be revealed to Altra Federal Credit Union. It is Altra's pledge that those who communicate with us via email, their email information will be used only to respond to their comments or questions. Altra will not sell our members' email addresses or share our members' email addresses with any other third party. The exception would be if we were required to share this information by statute, regulation, or court order.
Cookies
Altra Federal Credit Union may use cookies within this website to enhance the user's experience. Cookies are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns. Our online banking service uses cookies set on our members' personal computer, which enables them to conduct transactions on their accounts. Our contract with the online vendor addresses confidentiality of the personal information those cookies contain.
Location Information
If you use our mobile banking application on your mobile device, we may collect and process information about your actual location.
We use background location opt-in data to provide relevant messaging, even when the app is not open on your screen, to tailor our products and services for you, occasionally offer you promotions of interest, location-specific push notifications, Card Control and potentially other features that require knowing where the user is located. Foreground opt-in location data is used for ATM/Branch location features while using our mobile app.
You can enable or disable access to this information anytime, through your device settings.
Opting Out of Location Information. If you initially consented to the collection of geo-location information, you may subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of our sites.
Social Media, Bulletin Boards or Chat Rooms
Members should be aware that information they post to social media, online bulletin boards or chat rooms, name, email address and any other information can be accessed by others viewing the online message board. This could result in members receiving unsolicited email or marketing material from parties that Altra Federal Credit Union has no control over. Social media, bulletin boards and chat rooms are a public forum.
Marketing Solicitations
Altra Federal Credit Union may solicit personal information from members on a voluntary basis. This information will be used for a specific promotion or to enable the credit union to contact members with additional information about our products and services.
Electronic Documentation Delivery
Altra Federal Credit Union may solicit personal information from members, so they may receive services such as electronic statement delivery.
Google Analytics and Personal Data Usage
We take your privacy seriously, and we want you to know exactly what we do with information we gather from your visits to our website and mobile apps.
This website uses Google Analytics to help analyze how visitors use this site. Google Analytics is a web analysis service provided by Google which uses “cookies,” text files placed on your computer, to collect standard Internet log information and visitor behavior information in an anonymous form. The information generated by the cookie about your use of this website includes, but is not limited to, IP addresses, browser details, timestamps and referring pages. This information is then used to evaluate visitors’ use of the website and to compile statistical reports that let us know what pages and information are useful and helpful to you.
All personal data gathered by our mobile apps is used to enhance the user experience. We do not sell your information. We will never use the information gathered to track or collect any Personally Identifiable Information (PII), nor will we ever allow third parties to track or collect any information that can personally identify you. Google will not associate your IP address with any other data held by Google. Neither we nor Google will link, or seek to link, an IP address with the identity of a computer user. We will not associate any data gathered from this site with any Personally Identifiable Information from any source, unless you explicitly submit that information to us as a special request.
You may choose to accept or decline cookies. Most web browsers automatically default to accept them, but you can usually modify your browser setting to decline cookies. If you reject cookies by changing your browser settings then be aware that this may disable some of the functionality on our Website and Online Banking.
Click here for Google Analytics’ currently available opt-outs for the web.
Altra Federal Credit Union reserves the right to change this Website Privacy Policy at any time by posting and disclosing a new policy. Please see our Privacy Notice or California Privacy Notice for information on how Personal Information may be shared and whether you can limit certain types of sharing.
