Your Right to Privacy
The Mass Bay Credit Union recognizes the importance of protecting the privacy of nonpublic personal information about you as a Member, and User of our web site. This section describes our policy regarding safeguarding your confidential information, the treatment of information received about you during visits to our web site, and some steps you can take to protect your personal and financial information. To download a copy of the Mass Bay Credit Union Privacy Statement, click here.
About Web Site Usage
Normal Web Site Usage
You can visit the Mass Bay Credit Union web site to read service information or to use our online tools and information without telling us who you are and without revealing any personal information. The only information we collect and store during normal web site usage is the name of your Internet service provider, the pages you request, and the date and time you visited the page. This information is used to measure the site activity and generate statistics to enable us to improve the usefulness of visits. During normal web site usage we do not collect or store nonpublic personal information.
Information We Collect As A Member And Web Site User
We collect a variety of nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us or others
- Information we receive from a consumer reporting agency
- E-mail and electronic information sources
- Information we receive from marketing surveys to provide new services
Disclosure To Parties That Provide Services
The credit union uses a variety of third party vendors to assist in offering competitive products and services to our members. We may disclose all of the information we collect to companies that perform marketing on our behalf or to other financial institutions with whom we have joint marketing agreements. This Credit Union will partner only with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We will not continue a relationship with any third party vendor who violates this policy.
We may disclose nonpublic personal information about you to the following types of third party vendors:
- Financial service providers, such as companies providing mortgage or insurance services
- Non-financial companies, such as consumer reporting agencies, data processors, direct marketers, check/share draft and other printers, plastic card processors and government agencies
Although we may be permitted by law to disclose certain information about our members, the credit union will not disclose that information if we determine it does not contribute to your financial interests. We will disclose information with your consent or if required by law. If you decide to terminate your membership or you become an inactive member, we will continue to adhere to the privacy policies and practices as described in this notice.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We have designed physical, electronic, and procedural safeguards that meet or exceed federal regulations to guard your nonpublic personal information.
Electronic Mail Sent To Us That Contains Nonpublic Personal Information
We will use your e-mail address only to contact you in response to requests for information or services you have indicated are of interest to you. Users of this site should understand that any nonpublic personal information that is voluntarily sent via an unsecured e-mail form or voluntarily posted by a user to a public area of this web site (for example, a posting to the Bulletin Board), may always be collected and used by others, and that there is nothing the Mass Bay Credit Union can do about that. Nonpublic personal information sent to us via our secured e-mail forms will be collected and stored in a manner appropriate to the nature of the data and used to fulfill your request for additional information or services.
Use Of Our Web Site By Minors
The Mass Bay Credit Union encourages all minors to seek permission from their parent or guardian before providing information about themselves or their family over the Internet. In the event information is sent to us by a minor, the same privacy policies will apply to that information.
What You Can Do To Help Safeguard Your Information
In this increasingly connected world, we all must take proactive steps to safeguard our data. Channels (such as online and mobile banking) and tools (such as social networks) have become a part of our daily life. We would encourage you to take the time to review the following recommendations in order to reduce the risk of your information being compromised:
• Review your financial statements (e.g. bank, credit card, retirement etc.) and monitor your transactions on a regular basis, at least weekly, through online, mobile, voice banking or the ATM.
• Never leave your computer, tablet or mobile phone unattended when using any Internet banking, mobile banking or other financial services.
• After you have completed your Internet or mobile banking session, log off to ensure the session is closed.
• It is also good practice to lock your computer or mobile device whenever you plan to leave it unattended.
• Never use publicly available information to create your password. Examples to avoid are common names or phrases, birthdates, social security numbers, etc. Never reveal your password to anyone.
• Change your passwords frequently. Establish a routine where you routinely change your password to reduce the risk of a compromised account.
• Avoid using password managers. Password managers create a habit of not changing your passwords regularly and therefore make it easy to forget your passwords over time.
• Never click on links or applications that you receive in e-mail, as those are common ways viruses, malware and malicious software are installed. If you get an e-mail with links purporting to be from your financial institution, please visit your financial institution’s main website through your browser or call your financial institution to verify legitimacy.
• As a general rule, Mass Bay Credit Union will never contact you by email, telephone or any electronic method and ask you for your login and/or password information, or other sensitive personal information. We have most of this information and do not need to obtain it unsolicited. Likewise, you should never send personal information such as account or social security numbers in emails.
• While using the Internet, verify use of a secure session (“https://” and not “http://”) in your browser’s address bar. This is your indication that the data being transmitted between your browser and your financial institution’s systems is securely encrypted.
• Install anti-virus and anti-malware software. There are many good applications available for both your
computer and your mobile device. Some are even free. Also, remember to keep these products updated regularly so they can be most effective.
• If you have a mobile device such as a Smart phone or tablet, ensure that you install software capable of remotely wiping the device should it get stolen or lost. The minute you suspect your device is lost or stolen, notify your mobile carrier and suspend your service.
• Install mobile software only from the Android Market or the Apple App Store and never a 3rd party site. Android users should read the permissions requested by the application carefully and determine whether the permissions coincide with the alleged function of the application.
• Do not “jailbreak” your iPhone or “root” your Android to avoid unintentionally opening “backdoors” for malicious software.
• Turn off wireless device services such as Wi-Fi, Bluetooth and GPS when they are not being used.
• Avoid using unsecured public wireless connections. If you must, then use VPN software to provide a secure “tunnel” within which to work.
• Be aware of the types of information that you post to social networking sites. Ensure you know who your “friends” are on such sites and do not accept “friend” requests from unverified parties. Statistics show that users of such sites experience a higher incidence of fraud. Use privacy settings on social networking sites to control who is able to access your personal information.
• Make use of the alerts found in your Internet and mobile banking service. Once you set up the alerts you need, your financial institution’s systems will notify you of activity on your accounts.
• Checks and your financial statements all have your private financial information on them. Request electronic statements and use online bill pay whenever possible to reduce the paper trail and the risk of your account information being compromised.
• If you suspect fraudulent activity or have doubts about the authenticity of a site or communication you have received via any medium, call your financial institution immediately.