Thank you for visiting Your Legacy Federal Credit Union’s Website and reviewing our Online Privacy Policy.

We respect and value your privacy. Our Online Privacy Policy ("Privacy Policy") describes and applies to the information we collect from you when you visit this website ("Website"). The terms "we," "our," and "us" in this Privacy Policy refer to Your Legacy Federal Credit Union (Your Legacy FCU) and/or its affiliates, divisions, or subsidiaries. Our Privacy Policy generally describes how we collect, share, use, and protect your information. If you are a member who has opened an account or obtained a financial product or service from us for personal, family, or household purposes, our Privacy Notice may apply to you as well and further explains how we may use your information.

Your Legacy Federal Credit Union’s Privacy Policy Notice

Information That We Collect

When you visit our Website, we receive and collect certain information about you. The information that we receive and collect depends in part on what you do when you visit our Website. You may be able to improve your experience on our Website when you tell us who you are - for example, by signing up for e-mail or newsletters, applying for products, making inquiries, or requesting further information about a product or service.

Some of the information you may submit is personally identifiable information, but much of it is not. Personally identifiable information is information that identifies a particular person. Examples include your name, phone number, address, and social security number. It is possible to browse our Website without actively submitting any personally identifiable information.

We may use this information for a number of purposes; for example, to better service your requests and/or inquiries, monitor Website usage and/or performance, improve the member experience of our Website, ensure technological compatibility with your computer, protect against fraud or identity theft, or conduct aggregate analyses on usage patterns.

Automatically Collected Information

Every time you visit a website, some information is automatically collected from you. For example, this information may include some or all of the following items: your computer's Internet protocol (IP) address and/or domain; type and version of Internet browser software and operating system you use; date, time, and duration of your Website access; specific pages, buttons, images, videos, links, or forms that you access while visiting the Website; and demographic information concerning the country of origin of your computer and the language(s) used by it.

Information Collected Via Cookies and Other Similar Technology

"Cookies" are small text files that are placed on your computer to distinguish you from other visitors to our Website. The use of cookies is standard practice among websites to collect or track information about your activities while using the website. We, or our third-party advertising service providers, may place cookies or similar files on your hard drive for many of the reasons listed above while you are visiting our Website. Most people do not know that cookies are being placed on their computers when they visit websites because browsers are typically set to accept cookies. You can choose to have your browser warn you every time a cookie is being sent to you or you can choose not to accept cookies. You can also delete cookies from your computer at any time. If you refuse cookies, the functionality of our Website may be impacted or become non-functional.

In addition to using cookies, we, or our third-party advertising service providers, may also use similar technologies to track users' interactions with our Website. Some of these technologies include web beacons (transparent graphical images placed on a website) and flash objects.

We may use these technologies on our Website to verify your identity, remember personal settings including your preferences, to offer you additional options or enhance your online experience, and to improve our products and services. We may also use them for marketing site personalization, and tracking of online applications and programs and/or track the effectiveness of advertisements for our products and services, referred to as banner ads, that we may place on our Website or other linked and/or partner websites. Cookies used for tracking advertising effectiveness do not collect personally identifiable information. In order to better serve you, some of these technologies allow us the ability to view your past interactions with our Websites and/or online banking environment for member service, troubleshooting, risk analysis and fraud detection, as well as other related purposes.

Information You Choose To Submit

For most of the browsing on our Website, we neither require nor collect personally identifiable information. You can browse our Website and take as much time as you want to review our services without having to submit such information.

Links to Other Websites (Third Party Websites)

Your Legacy Federal Credit Union’s website provides links to other websites for convenience and informational purposes only. Users should be aware that when you select a link on Your Legacy FCU’s website to an external website, you are leaving Your Legacy FCU’s site. You will see a disclosure on our site that alerts you when you are leaving our website. Linked sites are not under the control of Your Legacy FCU we are not responsible for the contents of any linked site or any link contained in a linked site, or changes or updates to such sites. Inclusion of such links in Your Legacy FCU’s website does not imply endorsement by us of the site, its content, advertisers or sponsors. For your protection, we recommend that you review the separate privacy notices provided on these linked websites. External sites may contain copyrighted materials with restrictions on use and reuse, whereby permission for use or reuse must be obtained from the original source, not from Your Legacy FCU.

Your Legacy Federal Credit Union’s Mobile Banking & Mobile Website

For your convenience, Your Legacy FCU offers you the ability to access products and services through our mobile banking application and mobile-optimized website. When you interact with us through our mobile banking application and our mobile-optimized website, we may collect information such as unique device identifiers for your mobile device, access to your device’s camera, usage of your pre-established biometric authentication on your device, screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device. We may ask your permission before collecting certain information (such as precise geo-location information) through Your Legacy FCU’s mobile-optimized website.

Notice Regarding Children’s Information

We respect the privacy of your children and encourage all parents to supervise their children's computer usage. We do not knowingly collect or retain personal information from children under the age of thirteen. We advise all visitors to our Website under the age of 13 not to disclose or provide any personally identifiable information on our Website. To learn more about the Children's Online Privacy Protect Act (COPPA) please visit the Federal Trade Commission's website at www.ftc.gov/privacy/privacyinitiatives/childrens.html.

Email Communications

When you choose to identify yourself to Your Legacy FCU and provide an email address as an accepted communication channel, you are consenting to Your Legacy FCU using the information you provide, including personally identifying information, in accordance with this notice, unless you expressly state in the email your objection to any use(s). This may include the transmission of service communications such as welcome letters, billing reminders, technical service information and security announcements. Since general email is not secure and may be intercepted or viewed by others, you should refrain from sending confidential or private information via email.

Suspicious E-Mail

We will never e-mail you to request personal account information over the Internet or by any other means.  Help protect yourself against online fraud and contact us immediately if you receive an unsolicited e-mail.

Additional Uses or Sharing of Your Information

Unless you are a member and have opted-out of receiving marketing offers based on your eligibility information, see our Privacy Policy, we may use information about your relationship with us, such as what types of accounts you have, as well as transactional information, and the region in which you bank to tailor advertisements to you while you are on our Website. These advertisements may take the form of banner ads to offer you additional products and services or enhance your online experience.

In addition to those methods discussed in this Privacy Policy, we may use and share your information, including personally identifiable information, without limitation, in the following manner:

• In response to judicial or other governmental subpoenas, warrants and court orders served on us in accordance with their terms, or as otherwise required by applicable law;
• To comply with legal, regulatory or administrative requirements of governmental authorities;
• To protect our rights or property, protect our legitimate business interests, to enforce the provisions of our terms or policies, in cases of member fraud/disputes, and/or to prevent harm to you or others;
• To protect or defend us, our subsidiaries, affiliates, or parent company and any of their officers, directors, employees, agents, contractors and partners, in connection with any legal action, claim or dispute;
• As disclosed in other applicable policies, terms of use, or other agreements; or
• As permitted or required by law or as authorized by you.

Online Security

We maintain security standards that are designed to protect your information as it is transmitted from your computer to our network. This technology is called Secure Socket Layer (SSL). SSL is the leading security protocol for data transfer on the Internet and helps to protect the safety and confidentiality of your online banking information.

How To Protect Your Personally Identifiable Information

You have a role in helping us by safeguarding your information from others. You have several options when deciding how you can best protect your personally identifiable information. One option is simply not to volunteer it. The Federal Trade Commission's websites (www.ftc.gov, www.ftc.gov/idtheft, and www.onguardonline.gov) offers useful information about how to protect your personally identifiable information.