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Privacy Policy

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Privacy Policy

Privacy matters — DNCU is committed to protecting your personal information.

Download Privacy Policy (PDF)

Read about why, what and how your information is used at DNCU and learn about our commitment to protecting children’s privacy.

What does Del Norte Credit Union 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
  • 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.

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

Reasons we can share your personal information

  • For our everyday business purposes—

    such as to process your transactions, maintain you account(s), respond to court orders and legal investigations, or to report to credit bureaus

    For our everyday business purposes—

    such as to process your transactions, maintain you 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 our marketing purposes—

    to offer our products and services to you

  • For joint marketing with other financial companies

    For joint marketing with other financial companies

  • For our affiliates' everyday business purposes—

    information about your transactions and experiences

    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' everyday business purposes—

    information about your creditworthiness

  • For our affiliates to market to you

    For our affiliates to market to you

  • For non-affiliates to market to you

    For non-affiliates to market to you

Does Del Norte Credit Union share?

  • For our everyday business purposes—

    such as to process your transactions, maintain you account(s), respond to court orders and legal investigations, or to report to credit bureaus

    Yes

  • For our marketing purposes—

    to offer our products and services to you

    Yes

  • For joint marketing with other financial companies

    Yes

  • For our affiliates' everyday business purposes—

    information about your transactions and experiences

    Yes

  • For our affiliates' everyday business purposes—

    information about your creditworthiness

    No

  • For our affiliates to market to you

    No

  • For non-affiliates to market to you

    No

Can you limit this sharing?

  • For our everyday business purposes—

    such as to process your transactions, maintain you account(s), respond to court orders and legal investigations, or to report to credit bureaus

    No

  • For our marketing purposes—

    to offer our products and services to you

    No

  • For joint marketing with other financial companies

    No

  • For our affiliates' everyday business purposes—

    information about your transactions and experiences

    No

  • For our affiliates' everyday business purposes—

    information about your creditworthiness

    We don't share

  • For our affiliates to market to you

    We don't share

  • For non-affiliates to market to you

    We don't share

What We Do

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.

We collect your personal information, for example, when you

  • open an account or make a wire transfer
  • show your government-issued ID or apply for financing
  • provide account information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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
  • sharing for non-affiliates to market to you

State law and individual companies may give you additional rights to limit sharing.

Definitions

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include other companies, such as Del Norte LOV Foundation.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Del Norte Credit Union does not share with our non-affiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include credit card companies, financial advisors,
    insurance companies and financial services companies.

Children’s Privacy Policy

Appendix B

(Effective as of February, 2018)

We understand how valuable and important privacy and online protection is for children and their parents. The Children’s Online Privacy Protection Act (“COPPA”) requires us to inform parents and legal guardians about how we collect, use, and disclose personal information about children under 13 years of age; and that we obtain the consent of a parent ( or guardian) to allow the collection of certain information for children under 13 years of age. We only collect the amount of personal information which is reasonably necessary to allow a child’s participation in the online activities which the Del Norte Credit Union site offers.

The Del Norte Credit Union website is provided as a service, providing information and advertising about the Credit Union to Credit Union members and others interested in the Credit Union. This website is operated by Del Norte Credit Union; a New Mexico state chartered credit union. Kim Currie will respond to all inquiries from parents concerning privacy policies and use of children’s information. Kim may be contacted by phone at 505-455-5342 or by e-mail at [email protected] or by mail at PO Box 1180, Los Alamos, NM 87544.

We do not solicit nor collect identifiable personal information directly from children. We do not enable children to make their personal information publicly available. From time to time, we do sponsor contests, or ask for articles written by children or offer prizes. For these events, we do collect information but we only do so if the child’s parent or guardian has consented to our collecting, or has directly submitted, the information. The types of information we may collect are: a child’s first name, age, videos, photographs and voice recordings, written articles and drawings. We display this information on our website or in Credit Union newsletters during the event and for a time thereafter, we also use it to determine the winners of a contest. We may also share the information with selected third parties who provide services and products to or for credit unions and credit union members.

The security, integrity and confidentiality of a child’s personal information are extremely important to us. Part of our procedures to protect the confidentiality, security, and integrity of personal information is that we never display a child’s last name, phone number, address, city, or state. In addition, we have implemented technical, administrative and physical security measures that are designed to protect information from unauthorized access, disclosure, use and modification. However, you should understand that no security measures are perfect or impenetrable.

If we have collected personal information on a child, a parent, at any time, you may contact Kim Currie to review what has been collected or to direct the deletion of the information or to stop any further collection or use of that information. A parent contacting us by e-mail should include the parent’s return e-mail address so that we can better handle the communication.

Alexa Privacy Policy

Digital Banking – Alexa Skill Privacy Policy

(Effective as of February, 2022)

  1. Description of Service. The Skill allows you to use your Alexa-enabled device (“Alexa Device”), such as an Amazon Echo, to communicate with Del Norte Credit Union by voice commands regarding your Del Norte Credit Union deposit account or loan account (individually, an “Account” and collectively, “Accounts”).

 

  1. Communication, Privacy and Security. The use of the Skill is voluntary. The Skill uses the public internet, third-party networks, and inside wiring in your premises to communicate by voice with us regarding your Accounts. To use the Skill, you must speak commands and questions aloud to Alexa, and you will receive responses aloud. Your communication with Del Norte Credit Union using the Skill constitutes an authorized communication by you. Once you set up your Alexa Device with the Skill, you are authorizing Del Norte Credit Union to provide information to Alexa Device based on the Alexa Device security settings. For example, the settings on your Alexa Device may allow Alexa Device to retrieve information about your Accounts based on only verbal requests from anyone who uses your Alexa Device, or to save information about your Accounts for easier access. By enabling the Skill on your Alexa Device, you are responsible for how the Skill is used (including any communication between Del Norte Credit Union and your Alexa Device). You are solely responsible for all communications with Del Norte Credit Union using the Skill. For example, it is possible that someone other than you could interact with Del Norte Credit Union using the Skill, or that someone could overhear you interacting with Del Norte Credit Union using the Skill and learn information about your Accounts. It is also possible that Alexa, the Alexa Device, and/or Amazon will record your interactions with the Skill or Alexa. Consult your agreements with Amazon to learn more about how Amazon and your Alexa Device treat those interactions. See Amazon’s Privacy Noticeand the Alexa Terms of Use

 

  1. Release of Your Information to Amazon. Your interactions with Del Norte Credit Union using the Skill are subject to the Del Norte Credit Union Privacy Policy. By installing the Skill, you are authorizing Del Norte Credit Union to perform the actions and share with Amazon the information communicated to Del Norte Credit Union or requested from Del Norte Credit Union. We will send that information through Amazon, which will then go through the internet. For example, if you request that Alexa tell you your balance on your Del Norte Credit Union Account, you authorize Del Norte Credit Union to release that information to Amazon.

 

Alexa Terms and Conditions

Digital Banking – Alexa Skill Terms and Conditions

(Effective as of February, 2022)

  1. In these Alexa Skill Terms & Conditions (“Terms”) the words “you” and “your” mean the person or entity accessing the Del Norte Credit Union Skill for Amazon Alexa (“Alexa”) on any Alexa-enabled device (“Skill”), and the words “we”, “us”, “our,” and “Del Norte Credit Union” mean Del Norte Credit Union together with its parents and subsidiaries.Carefully read these Terms, the Del Norte Online Privacy Notice (“Privacy Notice”), and the Del Norte Credit Union Website Terms of Use/Online Services Agreement (collectively, this “Agreement”).
    1. Description of Service. The Skill allows you to use your Alexa-enabled device (“Alexa Device”), such as an Amazon Echo, to communicate with Del Norte Credit Union, by voice commands, regarding your Del Norte Credit Union deposit account or loan account (individually, an “Account” and collectively, “Accounts”).
    2. Eligibility. To access the Skill, you must: (1) be enrolled in Del Norte Credit Union Digital Banking; (2) have an Alexa Device; and (3) an Amazon account.
    3. Accuracy. Del Norte Credit Union did not design or manufacture Alexa or your Alexa Device and Del Norte Credit Union did not design or has no control over the other software that runs the Alexa Device (e.g., Alexa and other third-party applications). Alexa could malfunction. Alexa may not hear you correctly and may incorrectly translate what you say, or even say something to you different than what you asked it to say. By accepting these Terms, you understand and agree that Del Norte Credit Union is not responsible for inaccuracies in your interactions with Del Norte Credit Union using the Skill. If you have any issues or doubts about the accuracy of your interactions with Del Norte Credit Union using the Skill, you can still obtain your Account information Del Norte Credit Union Online or Del Norte Credit Union Mobile.
    4. Prohibitions. You agree to only use the Skill for your own personal, non-commercial use, and only in a manner that complies with all laws that apply to you. You are responsible for all of your activity in connection with the Skill. If your use of the Skill is prohibited by applicable laws, then you are not authorized to use the Skill. You further agree that you will not directly or indirectly: (i) decipher, decompile, disassemble, reverse engineer or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the Skill, (ii) modify, translate, or otherwise create derivative works of any part of the Skill, or (iii) copy, rent, lease, distribute, or otherwise transfer any or all of the rights that you receive hereunder.
    5. Intellectual Property Rights. You agree that all intellectual property rights, including patents, copyrights, trademarks, service marks or other intellectual property rights in and to the Skill remain the sole and exclusive property of Del Norte Credit Union. Nothing in this Agreement will be construed as granting any of these rights to you. You further agree that that we own the Skill and you may not sell, rent, lease, distribute, or provide service to a third party using the Skill without our prior written consent.
    6. Amazon Alexa Terms. The Skill is a “Third Party Service” as that term is used in the Amazon Alexa Terms of Use, and your use of the Skill will be further governed as set forth therein.
    7. Electronic Records and Signatures. By accepting these Terms, you consent to conduct transactions with us by electronic means and general use of electronic records and signatures in our relationship with you and specifically agree that clicking the “I Accept” button represents your electronic signature.

Have questions about how your data is used? E-Mail us.

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