Privacy
Your privacy is our main concern! To protect your personal information from unauthorized access and use, we use security measures that comply with state and federal laws including computer safeguards as well as secured files and buildings. We also restrict access to your personal information to only those employees who need to know to perform his/her job duties or to provide you with quality products and services.
Like all financial institutions, though, we do need to share some of your personal information as part of our everyday business. But, what does Alpena Alcona Area Credit Union do with your personal information? Let our privacy policy explain that to you…
To protect children’s privacy online, AAACU does not collect or retain any personal information on its website from children under the age of 13.
AAACU does, however, use small text files called cookies to collect anonymous website traffic data. This information helps improve our web services. Our cookies do not collect or store any personally identifiable information.
Our Privacy Policy does not apply to third-party sites linked within our web pages. For further information you should consult the privacy disclosures of the third party site(s).
Alpena Alcona Area Credit Union will never call, email or otherwise contact you and ask for your personal, confidential information. Contact us immediately if you ever suspect fraud or receive suspicious emails, text messages or phone calls about your credit union account.
And, remember, protect yourself! Do not send personal, confidential information such as your account number, PIN, credit card number or social security number through unsecure channels such as email. Instead, use our home banking product to send us secure information. If you cannot access our home banking site, call us, fax us or send us an email with your name and phone number only.
If you have any questions or comments regarding AAACU’s Privacy Policy Statement, please send us an e-mail at aaacu@aaacu.com or you may contact us at (989) 356-3577 or 1-800-443-3577. You may also write us at:
Alpena Alcona Area Credit Union
1100 S Bagley St.
PO Box 515
Alpena, MI 49707
BIOMETRIC INFORMATION PRIVACY POLICY AND CONSENT
Effective Date: June 1, 2023
Scope and Overview
This policy outlines how Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.
Biometric Data Defined
As used in this policy, biometric data includes “biometric identifiers” and “biometric information”. “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a "biometric identifier." “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.
Disclosure and Authorization Policy
To the extent that Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, Alpena Alcona Area Credit Union must first:
Inform each consumer that Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the consumer’s biometric data, and that the Alpena Alcona Area Credit Union is providing such biometric data to its vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software;
Inform the consumer of the specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used; and
Receive consent by the consumer authorizing Alpena Alcona Area Credit Union, its vendors, and/or Alpena Alcona Area Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by the Alpena Alcona Area Credit Union, and for Alpena Alcona Area Credit Union to provide such biometric data to its vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software.
Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from consumers’ biometric data; provided, however, that the Alpena Alcona Area Credit Union’s vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software may be paid for products or services used by Alpena Alcona Area Credit Union that utilize such biometric data.
This policy is intended to comply with all federal, state, and local laws.
Purpose for the Collection of Biometric Data
Alpena Alcona Area Credit Union, its vendors, and/or the licensor of Alpena Alcona Area Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.
Disclosure
Alpena Alcona Area Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the Alpena Alcona Area Credit Union’s consumer verification software providing products and services using biometric data without/unless:
First obtaining consumer consent to such disclosure or dissemination;
The disclosed data completes a financial transaction requested or authorized by the consumer;
Disclosure is required by law or ordinance; or
Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.
Security
Alpena Alcona Area Credit Union shall use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which Alpena Alcona Area Credit Union stores, transmits and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license numbers and social security numbers.
Retention
Alpena Alcona Area Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of Alpena Alcona Area Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:
The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity;
Request of consumer to destroy the biometric data; or
Within 30 days of consumer’s provisioning of biometric data.
Contact Information
If you have any questions about our use, storage, or security of your biometric data you can contact us at: info@aaacu.com.
BIOMETRIC INFORMATION CONSUMER CONSENT
As outlined in the “Biometric Information Privacy Policy”, I understand and consent to the collection, use, retention, storage, and/or disclosure or re-disclosure of data or images from biometric verification technology by Alpena Alcona Area Credit Union, its vendors, and/or the licensor of the Alpena Alcona Area Credit Union’s consumer verification software. I acknowledge that I have been given a copy of the Policy, or that the Policy has been made accessible to me, and I have had an opportunity to review it and request any additional information concerning the Alpena Alcona Area Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.
