Privacy Policy (United States)

1. Introduction

Eagle Federal Credit Union ("we," "us," "our," or "Eagle FCU") is committed to protecting the privacy and security of your personal information. This Privacy Policy (United States) explains how we collect, use, disclose, and safeguard your information when you visit our website https://eaglefcu-onlineba.com or use our financial services.

Eagle Federal Credit Union is registered under Registration Number 15240581 and operates from our principal office at 648 Emmerich Prairie Suite 767, Pourosside, HI 15598, United States.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide to us when you:

• Apply for membership or open an account
• Apply for loans, credit cards, or other financial products
• Use our online banking services
• Contact us via phone, email, or our website contact form
• Subscribe to our newsletter or marketing communications
• Participate in surveys, promotions, or contests

This personal information may include:

• Full name and date of birth
• Social Security number or tax identification number
• Contact information (address, phone number, email address)
• Employment information and income details
• Financial information (account numbers, transaction history, credit history)
• Government-issued identification documents
• Biometric data (for identity verification purposes)

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing activities, including:

• IP address and geographic location
• Browser type and version
• Device type and operating system
• Pages visited and time spent on our site
• Referring website addresses
• Clickstream data and navigation patterns

2.3 Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience and collect information about website usage. You can control cookie preferences through your browser settings, though disabling cookies may limit certain website functionalities.

3. How We Use Your Information

We use collected information for the following purposes:

3.1 Service Delivery

• Processing membership applications and account openings
• Providing banking products and services
• Processing transactions and maintaining account records
• Responding to inquiries and providing customer support
• Administering loans, credit cards, and other financial products

3.2 Legal and Regulatory Compliance

• Verifying your identity and preventing fraud
• Complying with federal and state banking regulations
• Meeting Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements
• Reporting to credit bureaus and regulatory agencies as required
• Responding to legal processes and government requests

3.3 Business Operations

• Analyzing usage patterns to improve our services
• Conducting internal research and analytics
• Detecting and preventing security threats
• Managing risk and maintaining business records

3.4 Marketing and Communications

• Sending newsletters and promotional materials (with your consent)
• Informing you about new products and services
• Conducting customer satisfaction surveys
• Personalizing your website experience

4. Information Sharing and Disclosure

4.1 Service Providers

We may share your information with trusted third-party service providers who assist us in operating our business, including:

• Payment processors and transaction networks
• Credit bureaus and reporting agencies
• Identity verification services
• Technology and hosting providers
• Marketing and analytics companies
• Professional advisors (attorneys, accountants, auditors)

These service providers are contractually obligated to maintain confidentiality and use your information only for specified purposes.

4.2 Legal Requirements

We may disclose your information when required by law or in response to:

• Court orders, subpoenas, or legal processes
• Government or regulatory requests
• Investigation of suspected illegal activities
• Protection of our rights, property, or safety
• Enforcement of our terms and conditions

4.3 Business Transfers

If Eagle Federal Credit Union merges with another institution, is acquired, or transfers assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control.

4.4 With Your Consent

We may share your information with third parties when you have given explicit consent for such sharing.

5. Data Security

Eagle Federal Credit Union implements comprehensive security measures to protect your personal information:

5.1 Technical Safeguards

• Industry-standard encryption (SSL/TLS) for data transmission
• Secure servers with firewall protection
• Regular security audits and vulnerability assessments
• Multi-factor authentication for online banking access
• Intrusion detection and prevention systems

5.2 Administrative Safeguards

• Strict access controls limiting employee access to personal information
• Comprehensive employee training on data privacy and security
• Confidentiality agreements with all staff and service providers
• Regular review and update of security policies

5.3 Physical Safeguards

• Secure facilities with restricted access
• Surveillance and monitoring systems
• Secure disposal of physical documents containing personal information

While we implement robust security measures, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but remain committed to protecting your information.

6. Your Privacy Rights

6.1 Access and Correction

You have the right to access your personal information and request corrections to inaccurate or incomplete data. Contact us at +1 (478) 440-1650 or [email protected] to review or update your information.

6.2 Opt-Out Rights

You may opt out of receiving marketing communications by:

• Clicking the "unsubscribe" link in our emails
• Contacting us directly with your opt-out request
• Adjusting your communication preferences in online banking

Note that opting out of marketing communications does not affect service-related notifications or legally required communications.

6.3 California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information is collected
• Right to request deletion of personal information
• Right to opt-out of sale of personal information
• Right to non-discrimination for exercising privacy rights

6.4 Do Not Track Signals

Our website does not currently respond to "Do Not Track" browser signals. You may control tracking through browser settings and third-party tools.

7. Children's Privacy

Eagle Federal Credit Union does not knowingly collect personal information from individuals under 13 years of age without parental consent. Our services are not directed to children. If we discover we have inadvertently collected information from a child under 13, we will promptly delete it. Parents or guardians who believe we may have collected information from a child should contact us immediately.

8. Third-Party Websites

Our website may contain links to third-party websites, including social media platforms and partner organizations. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes described in this Privacy Policy (United States)
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain business records

Retention periods vary based on the type of information and applicable regulations. Financial transaction records are typically retained for seven years or longer as required by law.

10. International Data Transfers

Eagle Federal Credit Union primarily operates within the United States. If you access our services from outside the U.S., your information may be transferred to and processed in the United States, where data protection laws may differ from those in your jurisdiction. By using our services, you consent to such transfers.

11. Changes to This Privacy Policy (United States)

We may update this Privacy Policy (United States) periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated policy on our website with a revised "Last Updated" date. Material changes will be communicated through prominent website notices or direct notification to members. Your continued use of our services after policy updates constitutes acceptance of the revised terms.

12. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy (United States) or our privacy practices, please contact us:

13. Consent

By using Eagle Federal Credit Union's website and services, you acknowledge that you have read, understood, and agree to the terms outlined in this Privacy Policy (United States). If you do not agree with this policy, please discontinue use of our services.