HCUA Privacy & Security Policy



The Heartland Credit Union Association (HCUA) maintains this site as a valuable business tool for its member credit unions. We respect your right to privacy and will work to protect it when you visit this website. Log-in may be required for certain information requests. The extent and type of information we receive depends on what you do while you are visiting our website.

We collect personal information about you when you visit our website, use this information to specifically fulfill your request for information or services and to deliver specialized communications to you based on your preferences and user activity.

Because the privacy of our members and other visitors to this website is of the utmost importance, we have adopted the following policies (collectively referred to herein as “Privacy & Security Policy):

Security Notification

This system is owned and operated by HCUA, and is used only for authorized purposes. We may monitor and audit the usage of this system, and by accessing this system, you are consenting to such monitoring and auditing. Unauthorized attempts to upload, download, or otherwise access or retrieve information and/or change information on this web site is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and 18 U.S.C. §§ 1001 and 1030. This site is protected under applicable copyright, patent, trademark, and other proprietary rights.

Legal Disclaimer

By using this site, you are acknowledging that you have read, understand,  accept, and agree to be bound by the terms set forth in this Privacy & Security Policy and you consent to the collection and use of information in accordance with this Privacy & Security Policy. You agree to comply with all applicable laws regarding use of this site and you agree that information provided by you is truthful and accurate to the best of your knowledge.  You further agree to indemnify, defend and hold harmless the HCUA and its employees, affiliates and subsidiaries from any liability, loss, claim and expense, including reasonable attorney’s fees, related to your violation of this Privacy & Security Policy or use of this site.  We reserve the right to change or modify the contents of this website at any time and without notice. We assume no liability for such changes or modifications. While we strive to provide up-to-date information and functions, we cannot guarantee and do not warrant that such information or functions are up-to-date, error-free or that user access to the website will be uninterrupted, or that material accessible from this site is free of viruses.

THIS SITE, INCLUDING ALL OF ITS CONTENTS, SOFTWARE, FUNCTIONS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED “AS IS” AND HCUA AND ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE WEBSITE CONTENT OR THE INFORMATION AND FUNCTIONS MADE ACCESSIBLE THROUGH THIS SITE, OR MATERIALS PROVIDED BY US HEREUNDER, INCLUDING, WITHOUT LIMITATION OF THE FOREGOING, ANY WARRANTY OF OWNERSHIP, ACCURACY, TIMELINESS, COMPLETENESS, AND AVAILIABILITY, AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE ARISING FROM THE COURSE OF DEALING OR COURSE OF PERFORMANCE.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, HCUA AND ITS SUBSIDIARIES AND AFFILIATES DISCLAIM LIABILITY, AND YOU AGREE THAT HCUA AND ITS SUBSIDIARIES AND AFFILIATES ARE NOT LIABLE, FOR ANY LOSSES AND EXPENSES OF WHATEVER AND HOWSOEVER ARISING OUT OF YOUR USE OF THE SITE OR ANY SITE WITH WHICH IT IS LINKED, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF HCUA AND ITS SUBSIDIARTIES AND AFFILIATES IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. THE FORGOING SHALL APPLY NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY REMEDY YOU MIGHT HAVE.

Any material and information provided by any user to this site may be included in any database owned by HCUA and our subsidiaries and affiliates in which we have rights and interest. HCUA reserves the right to use any information you provide to us or that is obtained through your use of this website to the fullest extent permitted by law. User shall not transmit any material or information to this site that infringes on any copyright or other proprietary rights of any other person. Unless otherwise indicated on this website, duplication of information found within this site, is prohibited without express written permission from HCUA. Any modification or redistribution of the material within this website is a violation of applicable copyright laws. Information is subject to change without notice.

The public portions of this website are a resource of general information and is intended, but not promised or guaranteed to be correct, complete, or up-to-date. The public information is not intended be a source of legal advice.

Links to other sites

This website is not sponsored or associated with any particular linked entity unless specifically stated. The existence of any particular link is simply intended to imply potential interest to the reader and inclusion of a link should not be construed as an endorsement. Our website contains links to the websites of other organizations that are outside of our control. When you follow a link to another site, you leave the HCUA site and your actions are no longer protected by our Privacy & Security Policy. We are not responsible for, and do not endorse the privacy or security practices and content of non-HCUA websites.

Intended Audience

This site is intended for adults only.  This site is not intended for any children under the age of 18.   If you are under 18, you may use this site only with the involvement of a parent or guardian.

Information We Collect & How We Use It

Website Usage
Our website automatically records website usage information that we analyze statistically to track operational problems, to prevent fraud and to improve the effectiveness, security and integrity of the site. This information does not identify you personally and we do not use this information to track or record information about individuals. We will disclose this information to third parties only in aggregate form or as may be required by law.

For each page that you visit, we may collect and store the following technical information:

URL address of the FCC webpage visited
Internet domain and IP address from which our website was accessed
Type of browser and operating system used to access our site (if provided by the browser)
URL address of the referring page (if provided by the browser)
Completion or success status of the request for a web page or other on-line item
File size of the webpage visited

Google Analytics
HCUA uses Google Analytics (a web service by Google, Inc.) to track site traffic and provide aggregate reports of how the public interacts with our website. We maintain our existing standards in regards to the sharing and disclosure of information, security and privacy safeguards for the data, and the data retention policy, each described below. Google Analytics analyzes website usage information automatically upon visits to HCUA’s websites. Users who do not wish to have their visit information collected by Google Analytics may opt-out by downloading a browser extension or by disabling cookies in their browser settings. Opting-out of web measurements will still permit users to access the full, public pages HeartlandCUA.org, with all included information and functionality.

Information You Provide Voluntarily
If you voluntarily provide us with personal information, (i.e. by sending an email, completing and submitting a website form or registering for an event on our website), you are indicating voluntary consent for us to use the information you are submitting to respond to your message and to help us provide you with the information and services that you have requested. We make every effort to disclose clearly how information is used at the point where it is collected so that our users can determine for themselves whether they wish to provide the information.

Sharing and Disclosure of Information
Your submission, including personal information, may be shared within the HCUA organization as well as with other organizations that may, from time to time, be assisting HCUA in its efforts.

We do not collect, give, sell or rent any personal information to third parties for commercial marketing.

Retention of Information
We may retain electronically submitted information as long as necessary to respond to your request. Computer web server logs may be preserved as long as administratively necessary and are scheduled for destruction in accordance with guidelines approved by the National Archives and Records Administration (NARA). The information in the logs may be used at any time as necessary to prevent security breaches and to insure the integrity of the data on our servers.

If you complete an online form, register for informational email updates or attend an event, information you provide may be retained so that we can notify you about changes or upgrades, where appropriate.

Security of Personal Information
We use commercial encryption techniques to protect the transmission and storage of the information you submit to us when you use one of our secure online forms. Email that you send to us is not necessarily secure against third-party interception or misdirection. For your own protection, you may wish to communicate sensitive information using a method other than email.

For website security purposes and to ensure that our website remains available to all users, HCUA computer systems that support the website use industry-standard methods and software to monitor and audit network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. Anyone visiting our website expressly consents to such monitoring and auditing.

Cookies
A cookie is a piece of data stored by a website or service on a user's computer that allows the website or service to recognize the user's unique computer. Most browsers are set up to accept cookies, but you can remove or block cookies by changing the settings on your browser to notify you when you receive a new cookie or to refuse to accept cookies. HCUA sometimes uses cookies, and these session cookies are temporarily stored on your computer's hard drive and are automatically erased after a specified period of time. Information from these cookies are not collected or saved. Some of the interactive sections of our website may set session cookies in temporary memory in order to provide streamlined navigation.

Some videos embedded on the HCUA website may set a persistent cookie when you click to play the video. These cookies are stored on your computer's hard drive and allow the third party video provider to record and track the website that you have visited and which videos you have played. The third party video service provider uses this information, among other things, to maintain accurate statistics of video use and to customize the video service for individual users. Further information regarding the handling of these cookies is available in the privacy statements available on the video providers' websites.

User Accounts
Some features of our website, such as event registration or email newsletters, allow you to customize your interactions to enhance service and add personalized functionality. To do this, individuals and entities doing business with us must request/create an account. This unique number is used to identify your personal information and preferences in dealings with HCUA.