Privacy Policy

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.

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
• checking account information and credit card or other debt
• credit history and payment history

When you are no longer our member, we continue to share your information as described in this notice.

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 Del Norte Credit Union chooses to share; and whether you can limit this sharing.

Appendix B – COPPA Privacy Notice, Del Norte Credit Union Children’s Privacy Policy
Effective Date: 08/27/2026

Del Norte Credit Union (Credit Union) values the privacy of children and is committed to complying with the Children’s Online Privacy Protection Act (“COPPA”). This Children’s Privacy Policy describes how we collect, use, disclose, and protect personal information collected from children under 13 years of age through youth-oriented financial products, financial education services, mobile applications, websites, and other online services offered or administered by the Credit Union.

This Policy applies only to information collected from children under 13 years of age. Information collected from adults and children age 13 and older is governed by the Credit Union’s general Privacy Policy.

Who Collects Information

Del Norte Credit Union may collect and maintain children’s personal information through youth-oriented financial products, financial education services, mobile applications, and related online services.

Questions regarding this Children’s Privacy Policy may be directed to:

Del Norte Credit Union
PO Box 1180
Los Alamos, NM 87544

Phone: 505-455-5358

Email: ogonzales@dncu.org

The Credit Union may partner with third-party service providers to deliver youth banking products, educational tools, and digital services. These providers are contractually obligated to maintain the confidentiality and security of children’s information and may only use such information to perform services on behalf of the Credit Union.

Information We Collect

Parents or legal guardians establish and manage accounts for children under 13.

Information that may be collected includes:

• Child’s first name
• Child’s age or date of birth
• Username and password
• Parent or guardian contact information
• Device registration information
• Account activity information
• Financial education progress and achievements
• Rewards and incentive activity
• Customer service communications
• Other information reasonably necessary to provide the service

The Credit Union will not require children to provide more information than is reasonably necessary to participate in the service.

Information Collected Automatically

When a child uses our services, we may automatically collect:

• IP address
• Device identifiers
• Browser type
• Operating system
• Mobile device information
• Push notification identifiers
• Referring website information
• Pages viewed
• Features used
• Session activity
• Usage statistics
• Application activity logs

This information is used solely to support the internal operations, administration, security, maintenance, and improvement of our services.

The Credit Union does not use persistent identifiers to track children across third-party websites or mobile applications for advertising purposes.

How We Use Children’s Information

We use information collected from children to:

• Provide and administer youth financial products and services
• Facilitate account management
• Track educational activities and achievements
• Administer rewards and incentive programs
• Communicate account-related information to parents or guardians
• Provide customer service and support
• Maintain system security
• Detect fraud and misuse
• Comply with legal and regulatory obligations
• Improve products and services

We may also use aggregated or de-identified data for research, reporting, analytics, and service improvement purposes.

How We Share Children’s Information

The Credit Union does not sell children’s personal information.

We may disclose information as follows:

• Service Providers: To service providers, contractors, and vendors performing services on behalf of the Credit Union subject to contractual confidentiality and security requirements.
• Legal Requirements: To comply with applicable laws, regulations, examinations, court orders, subpoenas, and legal processes.
• Protection of Rights and Safety: To investigate fraud, security incidents, violations of law, or threats to the safety of individuals or property.
• Business Transactions: As part of a merger, acquisition, asset transfer, or similar business transaction.
• Parents and Guardians: To verified parents or legal guardians.
• De-Identified Information: We may share aggregated or de-identified information that cannot reasonably identify a child.

Parental Rights

Parents and legal guardians have the right to:

• Review information collected about their child
• Request correction of information
• Request deletion of information
• Refuse future collection or use of information
• Withdraw previously granted consent where applicable

To exercise these rights, contact the Credit Union using the contact information provided in this Policy.

The Credit Union may require reasonable verification of parental identity before granting access to a child’s information.

Data Retention and Deletion

The Credit Union retains children’s personal information only for as long as reasonably necessary to fulfill the purpose for which it was collected, comply with legal obligations, resolve disputes, maintain records, and enforce agreements. When information is no longer required, it will be securely deleted, destroyed, anonymized, or otherwise disposed of in accordance with the Credit Union’s records retention and information security requirements.

Security
The Credit Union maintains administrative, technical, and physical safeguards designed to protect children’s personal information. These safeguards include controls intended to prevent unauthorized access, use, disclosure, modification, or destruction of information. No method of transmission or storage can be guaranteed to be completely secure. However, the Credit Union employs commercially reasonable measures designed to protect the information under its control.

Mobile Communications
If a parent or guardian enrolls in services that include text messages, alerts, or push notifications, message frequency may vary and message and data rates may apply. Parents may opt out of text messaging services by following the instructions included in the communication or by contacting the Credit Union. Consent to receive communications is not a condition of obtaining Credit Union products or services.

Changes to This COPPA Privacy Policy
The Credit Union may update this Children’s Privacy Policy from time to time. Any material changes will be posted on the Credit Union’s website and will become effective upon posting unless otherwise stated. Where required by law, the Credit Union will provide notice and obtain any necessary parental consent before applying material changes to previously collected information.