North Dade Community Development Federal Credit Union

North Dade Community Development Federal Credit Union Home Banking disclosure/Terms Introduction: North Dade Community Development Dev. FCU Internet Home Banking Service and provides certain disclosures and information to you concerning the service. Each of your accounts at North Dade Community Development Federal Credit Union is also governed by the applicable account disclosure/Agreement and Truth in Savings Disclosure you received when you opened your account. How To Access Your Accounts: To access your accounts through our Internet Home Banking service, you must have your account number and an Internet Home Banking password. This information is requested when you enter our home banking page. The password that is used to gain access to your information should be kept confidential, just as you would keep other PIN numbers and security codes confidential. For your protection we recommend that you change your home banking access password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money between your accounts without your permission, notify North Dade Community Dev. FCU at once at (305) 620-5877. You cannot use E-mail to initiate transactions, change information or inquire on your account(s). We will not respond to these types of requests via E-mail since we cannot be certain we are corresponding with you. Please use the appropriate functions within or Internet Home Banking Service, Call (305)620-5877 or visit the Credit Union for these functions. To get an initial password for the Internet Home Banking service, visit the Credit Union office or call us at (305) 620-5877. Fee: Home Banking Fees: There are no monthly fees and/or transaction fees for accessing your account(s) through our Internet Home Banking service. We do not intend to charge in the future for the service but reserve the right to do so after providing 30 days advance notice to all users at the home banking login page. Bill Payer Fees: You may receive 10 Transactions free, then .50 cents after. Your internet service provider (ISP) probable charges you a fee to access the internet via its server. We have no control over ISP related fees. North Dade Community Development FCU Privacy Policy At North Dade Community Development FCU, the privacy and confidentiality of your personal information is important to our Board of Directors, Management and Employees. We value your business and the trust you put in North Dade Community Dev. FCU.. To offer you the financial products and services you seek, we collect, maintain and use information about you on a routine basis. To help you better understand how your personal information is protected here at North Dade Community Dev. FCU, we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information. In the event you terminate your customer relationship with us, or become an inactive customer, we will continue to adhere to the policies and practices described in this notice. Information We Collect As a trusted Federal Credit Union and financial institution, we collect, retain and use nonpublic personal information about individual customers to provide products and services to our customers. We may collect nonpublic personal information about you from such sources as: a Applications or other forms; b Information about your transactions with us, our affiliates or others; and c Information we receive from a consumer-reporting agency. Information We Share We may disclose nonpublic personal information about you with our affiliates -- businesses related to us by common ownership or control -- and other nonaffiliated third parties under limited circumstances. Any nonpublic personal information shared is conducted in strict adherence to applicable law. Such nonpublic personal information includes: a Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets and income; b Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions and credit card usage; and c Information we receive from a consumer-reporting agency, such as information related to your credit worthiness and credit history. Who Receives Information & Why We may exchange information with our affiliates and certain nonaffiliated third parties (under limited circumstances) to the extent permissible under law to service your account, offer products or services we believe you may find valuable, report to credit bureaus, manage risk and perform other financial services related activities. Service Providers/Joint Marketing Partners To provide our customers with products or services that we believe may meet your financial needs, we may exchange limited nonpublic personal information (described under the "Information We Share" section of this statement) about you to nonaffiliated firms that conduct marketing services on our behalf, or with financial institution partners to offer jointly endorsed financial products or services. How We Protect Your Information We understand that the protection of your nonpublic personal information is of the utmost importance. Guarding your privacy is our obligation. North Dade Community Dev. FCU maintains strict procedures and policies to safeguard your privacy. We restrict employee access to customer information to only those who have a business reason to know such information, and we educate our employees about the importance of confidentiality and consumer privacy. Giving You the Power to Choose To continue providing you with the best possible service and offering you a vast array of financial products that we believe may be of interest to you, we reserve the right to share nonpublic personal information with our nonaffiliated third party partners as allowed by law. If you determine that you do not want North Dade Community Dev. FCU to share your nonpublic personal information with our nonaffiliated third party partners (except under limited circumstances allowed by law), you may "Opt Out" by calling us at (305) 620-5877. If you have a joint account, each account holder may make a separate choice to "Opt Out", but any account holder can "Opt Out" on behalf of the other joint account holders. Under existing law, North Dade community Dev. FCU may share information relating to your account application and other information received from third parties (such as credit bureaus) with any You may request that such information not be disclosed to our affiliates by contacting us at the phone number listed above. It is important to note that transactional and experiential information (such as account transactions, balance and payment history) with a customer can be shared among affiliates and others as permitted by federal law. North Dade Community Dev. FCU may amend this policy at any time, and we will inform you of changes as required by law. Internet Privacy We do not collect personal identifying information about those who are merely visiting our web site. When our web site is accessed to apply for accounts or services, visitors may be asked to provide online personal information that is necessary for us to process applications or to otherwise provide the services requested. To ensure that information submitted online remains confidential, all information is transmitted by means of secure connection using encryption (visit our NORTHDADECDFCU.NET). We and the company which we work may maintain the information provided to us in order that we can meet additional financial needs. Customers often communicate with us by use of e-mail. In order to efficiently respond to e-mail communications and to meet legal and regulatory requirements, we will preserve the text of any visitor's e-mail, the e-mail address and our response. Information submitted to us by e-mail is treated as confidential and used only where appropriate for business purposes. To make a web site as efficient as possible to online visitors and customers, some web sites use “cookies” as part of their interaction with browsers. A “cookie” is a small text file placed on the visitor’s hard drive by a web site server. “Cookies” are used to determine if visitors have previously visited the web site and for administrative purposes. North Dade community Dev. FCU web site (including online banking) does not use “cookies”. However, some of the links you click to from North Dade Community Dev. FCU’s web pages may utilize “cookies”. We are not responsible for the information collection practices of non-North Dade Community Dev. FCU links you click to from our web pages. We cannot guarantee how these third parties use “cookies” or whether they place on your computer “cookies” that may identify you personally. We urge customers to review the privacy policies of each of the linked sites they visit before providing them with any personally identifiable information. Furthermore, links to non-North Dade Community Dev. FCU web sites contained in this site are offered only as pointers to sources of information on subjects that may be of interest to users of our web site, and North Dade Community Dev. FCU is not responsible for the content of such sites as we have no control over what is displayed there. North Dade Community Dev. FCU does not guarantee authenticity of documents at such sites and links to non-North Dade Community Dev. FCU sites do not imply any endorsement or responsibility for their ideas, opinions, information, products, or services offered at such sites. Use of links to a non-North Dade Community Dev. FCU site is solely at the user's own risk. Email Privacy Notice Email is not a secure transmission route. Thus we ask that you never send sensitive personal information like Social Security numbers, Account numbers, Credit Card numbers or any type of password via email to North Dade Community Dev. FCU or anyone else for your own protection. Please use one of our secured forms or a telephone call when submitting this information. If you have any additional questions about our privacy policy, please contact us at (305) 620-5877.		WHAT YOU CAN DO ONLINE • Check your statements • Check your accounts

	You must have a valid Account Number and Password to use these On-Line Banking services. Please contact your Credit Union to obtain an Account Number and password.