Thrivent Federal Credit Union values your business and is committed to safeguarding the information you provide to us online. Please review this policy to help you better understand our views and practices regarding privacy and security for our website and online banking applications.
- What Information do we collect from you on our website?
- What other information do we capture?
- How do our mobile applications collect and use geolocation information?
- How can you update the personal information you provide?
- How do we protect your personal information?
- Do we use encryption technology?
- How do we share and use the information we collect and capture?
- How do you opt out of data sharing & email marketing?
- How do we respond to "Do Not Track" signals?
- Do we use cookie technology?
- How can you set or delete your computer’s cookies?
- Do we use web beacons?
- What cookies, site authentication and encryption are utilized by the Thrivent Federal Credit Union Online Access Website?
- Transmission of data to other countries
- Do you reside in California?
- Do you reside in the European Union (EU)?
- What is our policy for children (individuals under 18 years of age)?
- What about links to other websites from Thrivent Federal Credit Union’s site?
- In the event your data is compromised
- Questions or Comments
What information do we collect from you on our website?
In some sections of our website (e.g., information request forms or self-help budgeting tools) we collect information you supply, including email address, telephone number, information on monthly bills or other personal information in order to fulfill your request. If you open an account with us online Thrivent Federal Credit Union will collect the information required for that new account. Types of information collected can include religious identification to validate membership eligibility, contact information, government identification numbers, beneficiary information and banking information. This information will be used to open the new account and service it on an ongoing basis.
Thrivent Federal Credit Union will never ask you to provide or confirm your personal information through an email unless you have requested such an email or transaction from us. Never respond to an email (especially unsolicited email) which asks for personal or account information.
For security, to register for access to the credit union’s online banking applications, you will need to create a User ID and password. This information is used to identify you as a unique, authorized user.
What other information do we capture?
When you visit our website, we capture data about your activities that does not personally or directly identify you. We may use a variety of technologies that automatically or passively capture aggregate information about how our websites are accessed and used ("Usage Information"). Usage Information may include browser type, device type, operating system, application version, the page served, the time, the preceding page views, and your use of features or applications on the website.
Thrivent Federal Credit Union’s web server automatically recognizes your IP address when you visit our site as an anonymous visitor (without logging in). It does not recognize your email address. However, we do capture your email address if you communicate with us via email or provide your email address to us when completing an online survey, online form or register for online banking.
Thrivent Federal Credit Union captures aggregate information about the pages visited within our website. We also capture browser type and version, and screen resolution. This information will assist us in providing a more user friendly site and to aid in problem resolution if you experience technical difficulties while visiting our site. When you visit our website, we capture data about your activities that does not personally or directly identify you. This information can include the content you view, the date and time that you view this content, or the location information associated with your IP address. Similar information is captured when you use a web or mobile browser to click on a Thrivent Federal Credit Union advertisement provided by a third party search engine. If you choose to contact Thrivent Federal Credit Union on your mobile phone in this manner, we will also capture aggregate call data, such as duration; however, we will not capture your phone number. If you access or service your accounts through online banking using your user ID and password to authenticate yourself, a record of your online activity is maintained.
Thrivent Federal Credit Union uses third party vendors and hosting partners to provide hardware, software, networking, storage, support or related technology required to run our websites. In addition, we use third party providers to act as a data processor of any captured data. The third party providers will aggregate anonymous captured data to improve the usability of the website. The third party providers will also store any captured data for later retrieval by Thrivent Federal Credit Union and its agents to review aggregate analytics and review a detailed history of your interactions with Thrivent Federal Credit Union. The third party providers may combine captured data with other relevant data in order to provide you with more information about relevant products and Website offerings.
How do our mobile applications collect and use geolocation information?
Thrivent Federal Credit Union’s mobile applications periodically collect, transmit, and use geolocation information for enabling features that prevent fraudulent card use and alerts, but only if you expressly authorize collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the mobile solution is being used or not at all, depending on your selection. You can change your location permissions at any time in your device settings.
How can you update the personal information you provide?
We rely upon you to update and correct your personal information. If you identify an error in your information you can make a request that we modify it by contacting us using the phone number or address in the "Questions or comments" section below.
If you use our Online Banking tools, please keep your personal information, including your email address and phone number, up to date. These pieces of information are used as part of the authentication process when you log in from a device Online Banking does not recognize or to send a temporary password at your request if you have forgotten yours. You can make those updates by contacting us using the phone number or address in the "Questions or comments" section below.
How do we protect your personal information?
We have strict standards of security to safeguard your data. The technology we use to protect your data is reviewed and improvements are implemented as needed. Our program includes administrative, technical and physical safeguards that are reasonably designed to safeguard the security, confidentiality and integrity of the personal information you share with us. Within the security aspect of our program, we have implemented many security and privacy features and employ information security and privacy professionals to protect your information. Central to this program are:
- Policies and standards to govern information technology resources, protect information assets, and safeguard personal information.
- Use of appropriate technologies such as firewalls and encryption.
- Monitoring and testing our systems to detect weaknesses and potential intrusions.
- Maintaining access controls designed to restrict access to those with legitimate business need.
- Taking reasonable steps to ensure our selected service partners maintain similar high standards and adhere to all legal and regulatory requirements.
- Ongoing security and privacy awareness training of our employees.
- Reviewing and updating our technologies, policies and programs at regular intervals in light of emerging risks and developments.
Only authorized employees, agents, contractors, and third parties will be allowed to access and use data about you. All are trained to safeguard your data. Those who use your data must follow established standards, procedures and laws.
Do we use encryption technology?
Several areas on Thrivent Federal Credit Union’s website (e.g., Online Banking) have been built to handle sensitive or confidential information. These pages utilize an internet method known as Secure Socket Layers (SSL). With SSL engaged, pages are sent to you in an encrypted (scrambled) format and any information you submit to Thrivent Federal Credit Union also is encrypted. Encryption is the transformation of data into a form unreadable by anyone who doesn't have the appropriate decryption key. This method of transferring sensitive data is considered the industry standard for the Internet.
For added security, close your browser completely when you finish using this site. While online, your browser is using part of your computer's memory. If your browser is left open, it may be possible for someone using your computer to go back and use this memory to access your information. Closing your browser clears this memory. You may also want to consider clearing your browser's temporary files. For added security with online banking applications you should log out of the application as soon as you are done using it. For ease of login to our mobile online banking application you can enable the use of Touch ID if available on your mobile device.
For your security, we highly recommend maintaining an updated browser version that supports SSL. Microsoft Internet Explorer, Mozilla Firefox and Apple Safari are three browsers that support these encryption techniques. A solid lock graphic will display when the SSL mode is engaged to reflect the connection is encrypted. If you are not sure if your browser is compatible, check with your service provider.
Thrivent Federal Credit Union has taken steps to make all information you provide to us secure against unauthorized access and use, alteration, and/or loss. This information is kept in a secure database. You should keep in mind, however, that no data transmission over the internet is 100% secure and any information disclosed online can potentially be intercepted and used by unauthorized parties.
How do we share and use the information we collect and capture?
We share or exchange information collected on this site or within the Thrivent Federal Credit Union application or website with outside organizations that are performing services for us or on our behalf and as permitted by law. Your information will be accessible by third party vendors for the purpose of enabling them to store such data in connection with the permitted uses of your information. Our third party website and application providers have an obligation to maintain the confidentiality of the information, except where disclosure is required by law. Unless you direct us otherwise, we will share your information with other financial companies for purposes of jointly marketing our products and services to you.
We may share your information to protect against or prevent actual or potential fraud, unauthorized claims or other liability. We may share your information with organizations that we acquire or that acquire some or all of our assets. We will also share your information with others as you direct with your permission.
We use the information we collect about you in one or more of the following ways:
- For our everyday business purposes such as to process your transactions, maintain your account(s), report to credit bureaus or respond to valid subpoenas, court orders, legal processes and legal and regulatory investigations or as otherwise required by law.
- To verify your account ownership.
- To fulfill your requests and provide services under our agreements with you.
- For general aggregate site visitor analysis and statistical research.
- To increase visitor satisfaction in their online experience with Thrivent Federal Credit Union.
- To provide you with information about features available on our website or application.
- To provide you with information about products and services available through Thrivent Federal Credit Union and/or its partner companies that may be of interest to you.
- To help resolve any requests for support.
- To provide you with security information to assist you in accessing our website or application.
How do you opt out of data sharing & email marketing?
You can opt out of data sharing by calling us toll-free at 866-226-5225. Our call center is available Monday through Friday, 7 a.m. to 6 p.m., Central Standard Time.
You may select one or more of the following options:
- Direct us not to share data about you with other financial companies with which we have joint marketing agreements.
- Request we remove your name from some or all of our internal marketing lists. You should know that our regular service mailings may still contain marketing materials. If you have opted in to receive electronic service notifications and/or confirmations, you will continue to receive such emails.
How do we respond to "Do Not Track" signals?
Thrivent Federal Credit Union permits third parties to use tracking technology to collect information about visitors to our website over time and across different websites.
Thrivent Federal Credit Union does not modify a user’s experience based on whether they are broadcasting “Do Not Track” signals.
Do we use cookie technology?
Yes, Thrivent Federal Credit Union’s website uses cookie technology. Cookies are a technology storage mechanism. Specific pieces of information, some of which may be personal, such as an IP address, are contained within a cookie. Most often though, the cookie will contain anonymous unique identifiers given to your web browser by a web server. The browser stores the cookie on your device. The cookie, and any information contained within it, is sent back, via a web beacon, to the server each time your browser requests that site.
The information within the cookie might be about you, your preferences, or your device, but mostly, cookies are used to make the site work as you would expect it.
We generally employ four types of cookies.
- Necessary: These cookies are necessary for the website to function and cannot be switched off in our systems. They do not store any personally identifiable information.
- Performance: These cookies allow us to count visits and traffic to our sites so we can improve the site’s performance. All information contained in these cookies are aggregate and anonymous and it is recommended that they not be turned off.
- Functional: These cookies allow our website to provide you with customized services or personalization and increase the quality of your online experience. These cookies may be set by us or a third party on our behalf.
Keep in mind that cookies:
- Cannot be used to reveal your email address obtained from your hard drive or learn confidential or personal information about you that you have not already explicitly revealed.
- Cannot read data off your hard drive or read cookie files created by other sites.
- Are not executable programs and cannot damage your computer or the files on your device.
For security reasons, cookies are not used for automatic access to secure areas on Thrivent Federal Credit Union’s websites. You need to type your user ID and password every time you log in to a secure access area like Online Banking.
Cookie technology may be used to create a unique identifier or session identification when opening a new account through the use of one of our online tools.
How can you set or delete your computer's cookies?
You can set your computer's browser to opt-out of receiving and storing cookies, however, doing so may limit your access to certain sections of our site. You also can delete cookies stored on your computer's browser. Clearing your browser’s cookies is the only way to change the Thrivent Federal Credit Union cookie settings you may have previously elected or opted out of.
If you have previously selected to have Thriventcu.com remember your device, deleting cookies will disable this feature. The process to set or delete cookies differs by browser. See your browser's Help feature or contact the manufacturer for instructions on how to set/delete your browser's cookie options.
Do we use web beacons?
Yes. Web beacons (also known as web bugs, pixels, and page tags) are the mechanism by which cookies, and their data, are transferred across the internet. In other words, web beacons and cookies work in conjunction with each other to monitor the behavior of site visitors. Thrivent Federal Credit Union uses web beacons on our website and in email communications for aggregate statistical purposes and marketing conversion tracking.
What cookies, site authentication and encryption are utilized by the Thrivent Federal Credit Union Online Banking Websites?
If you utilize a Thrivent Federal Credit Union Online Banking Website, it uses two types of cookies:
- Session cookies which are temporary cookies that are automatically deleted whenever you close all open Web browser windows. Session cookies are used to ensure that you are recognized when you move from page to page within the site and that any information you have entered is remembered. Session Cookies do not collect information from the user's computer. They typically will store information in the form of a session identification that does not personally identify the user.
- Persistent cookies that remain permanently on the cookie file of your computer. The persistent cookies contain an encrypted identification value associated with the User ID. Persistent cookies personalize your website experience and enhance security measures by recognizing your computer.
The cookies placed on your computer do not contain any personal information, such as an email address or name.
Although your browser may permit you to reject cookies, cookies are required to login and navigate within Online Banking. If you should choose to disallow cookies you may be required to authenticate through phone call, text or email each time you log on.
We protect your account information from unauthorized access by placing it within our Online Banking solution which requires you to enter a unique username and password each time you want to access Online Banking. Your password should never be shared with anyone. None of our other members can access your data, and only a restricted set of our employees can access your data in order to provide service to you. When you access password-protected portions of the site using a web browser, Secure Sockets Layer (SSL) technology is used to protect your communications through server authentication and data encryption. Although our Website may link to some external sites, we are not responsible for the privacy practices of those websites.
Transmission of data to other countries
Your personal information is processed in the United States, where privacy laws may be less stringent than the laws in your country and where the government, courts, or law enforcement may be able to access your information. By submitting your personal information to us you agree to the transfer, storage and processing of your information in the United States.
Do you reside in California?
Do you reside in the European Union (EU)?
If you reside, permanently or temporarily, in the European Union, we may provide you with additional options concerning your information.
- Changes to your Personal Information. We rely upon you to update and correct your personal information. If you identify an error in your information you can make a request that we modify it by contacting us using the phone number or address in the “Questions or comments” section below.
- Access to your Personal Information. If required by law, we will grant reasonable access to Personal Information that we hold about you. All requests must be directed to the phone number or address included in the “Questions or comments” section below.
- Revocation of Consent or Restricting Processing. If you revoke your consent for the processing of personal information or wish to restrict the ways in which we can use your information, then we may no longer be able to provide you certain services. In some cases, we may limit or deny your request to revoke consent or restrict use if the law permits or requires us to do so, or if our processing is not based on your consent. If you would like to revoke your consent or restrict our use of information such a request must be directed to the phone number or address included in the “Questions or comments” section below.
- Deletion of your Information. Typically, we retain your Personal Information for the period necessary to fulfill the purposes outlined in this notice, unless a longer retention period is required by law or regulation. If required by law, and permitted by our regulators, we will grant a request that we delete your Personal Information. All such requests must be directed to the phone number or address included in the “Questions or comments” section below.
- Complaints. Complaints can be directed to us at the phone number or address included in the “Questions or comments” section below. Some jurisdictions may also allow you to complain to a data protection authority as well.
- Automated Decision Making. If you apply for credit, we may use automated processing to help us make fair and responsible lending decisions. This may include, for example, automatically reviewing and analyzing the following information in order to determine whether to offer you credit, or the terms upon which it will be offered:
- The information you provide on an application form;
- Information about previous account conduct, including any payment arrears;
- Consumer reports, and scores that predict your likelihood to repay a loan, based upon consumer reports,
- Official public records information such as fraud record information and insolvency records.
What is our policy for children (individuals under 18 years of age)?
The Children’s Online Privacy Protection Act (COPPA) restricts the collection, use or disclosure of personal information collected from children under the age of 13 on the internet. Thrivent Federal Credit Union’s website and online services are not directed to children under the age of 13, nor is information knowingly collected from children under the age of 13. If the Credit Union receives information from a child known to be under the age of 13, the information will only be used to respond directly to the child or provide parental notice and will then be deleted from our files. The Credit Union is not responsible for the data collection and practices of nonaffiliated third parties. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission’s website: www.ftc.gov.
What about links to other websites from Thrivent Federal Credit Union’s site?
In the event your data is compromised
If Thrivent Federal Credit Union becomes aware that your nonpublic personal data has been breached or compromised, we will notify you via email, mail or telephone. The notification method used will be determined by the type of breach, the type of data that was compromised and legal requirements. The notification will include information on what happened, how it might affect you and any actions you are required to take.
Questions or comments
Thrivent Federal Credit Union
3600 Commerce Court
Appleton, WI 54911-8580
You can also contact us by calling us toll-free at 866-226-5225. Our call center is available Monday through Friday, 7 a.m. to 6p.m., Central Standard Time.
If you receive email messages from Thrivent Federal Credit Union about updates to our website and wish to no longer receive these updates, you can unsubscribe from our mailing list following the unsubscribe directions in the email.
The information, materials and services contained in this site, including text, graphics, links or other items are provided "as is," "as available." Neither Thrivent Federal Credit Union third party providers nor licensors warrant the accuracy, adequacy or completeness of this information, materials or services and expressly disclaim liability for errors or omissions in this information, materials and services. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of noninfringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer viruses is given in conjunction with the information, materials or services.
LIMITATION OF LIABILITY
THRIVENT FEDERAL CREDIT UNION SHALL NOT BE LIABLE IN ANY EVENT FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF THRIVENT FEDERAL CREDIT UNION, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. Hyper-linking to other internet sites is at your own risk. Thrivent Federal Credit Union does not investigate the content, accuracy, opinions expressed, and other links provided by these resources.