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Web server activity logs -
Like most web servers on the Internet, our servers collect and
store all of the information that your web browser sends when
it requests a web page, including:
o the name, domain, and numerical Internet address of the "host"
computer (typically a computer belonging to your Internet Service
Provider and not your personal computer) from which you access
the Internet. For example, your host computer's name is Harriet
and its numerical address is 63.145.212.102;
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the
date and time you accessed our site;
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the
Internet address of the web page that you came from;
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the
page you requested from our site and the number of characters
sent to your computer; and
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the information your web browser software sends as its so-called
"User Agent," which typically identifies the browser
software and may also indicate the operating system and
type of CPU used in your personal computer.
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It is impossible to determine the actual identity of an
individual user from this information. The logs are periodically
summarized and analyzed in order to study site usage over
time and to perform other studies to help us improve the
site's organization, performance, and usefulness.
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Electronic
mail - When you send us personal identifying
information via e-mail (that is, in a message containing a question
or comment, or by filling out a form that e-mails us this information),
we use it to respond to your requests. We may forward your e-mail
to individuals who are better able to answer your questions.
We do not retain or distribute lists of e-mail addresses to
any parties outside of NM ENERGY FCU. In no event, do we distribute
lists of e-mail addresses.
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File
transfer protocol (FTP) - Many NM ENERGY FCU
sites using the file transfer protocol may also store your e-mail
address if your web browser is configured to provide it. By
default most web browser software does not send your e-mail
address; this option is configured through your browser preferences.
In Netscape Navigator, for example, this option must be set
by you through the Advanced preferences category by the item
labeled, "Send e-mail address as anonymous FTP password."
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Online
surveys - When you voluntarily provide us with
personal information as part of an online survey, we use it
to perform various quantitative and qualitative analyses to
improve customer service and satisfaction. You are under no
obligation to participate in such surveys. Non-participation
will not inhibit your use of our web site in any way. If you
provided the information to us in error, you may request its
removal at any time. InfoDesk/Contact
Collection and release of gathered information:
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We want to make it clear that we will not obtain personal identifying
information about you when you visit our web sites, unless you
choose to provide such information to us. We do not attempt to
identify individual users or share any information we receive
with any parties outside of NM ENERGY FCU. The only exceptions
to this are:
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officially authorized law enforcement investigations wherein
NM ENERGY FCU has been served with an appropriate warrant to
provide specific information, or
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a
suspected attempt to deliberately circumvent our system's security
with the intent to gain unauthorized access or to do physical
damage for example, an attack by hackers. In this case, collected
information associated with a suspected intruder will be provided
to the FBI.
Retention of collected
information:
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Cookies
- Some applications may save a "cookie" on
your computer's hard disk to provide a temporary history of actions
taken. A common example is the tracking of items placed in an
online "shopping basket." We do not retain any record
of "cookies" beyond what is necessary for running the
application.
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Web server activity logs -
Monthly extracts of the log files are archived and stored off-line
at our discretion for an indefinite period of time. Some statistical
summaries derived from these data may be retained online or
off-line at our discretion for an indefinite period of time.
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E-mail
- Information
collected via e-mail will be retained at our discretion in a
directly readable form for as long as necessary to complete
our response. The e-mail itself may be retained in an archival
form.
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Online
surveys - Information
collected via online surveys may be maintained at our discretion
for an indefinite period of time.
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Marketing information -
Such information may be maintained at our discretion for an
indefinite period of time.
Copyright: <top>
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All content provided on this web site, including but not limited
to button icons, formatting, graphics, images, logos, software,
and text, is copyrighted by NM ENERGY FCU or its customers
under United States law and is protected by worldwide copyright
laws and treaty provisions. Any reproduction, modification,
storage in a retrieval system or retransmission, in any form
or by any means, electronic, mechanical, or otherwise, for
reasons other than personal use, is strictly prohibited without
prior written permission.
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You are welcome to make a link to any of the NM ENERGY FCU
web pages published on the Internet. There is no need to request
permission.
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Use of the NM ENERGY FCU logo is prohibited.
COPPA:
Compliance
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NM
ENERGY FCU does not operate a commercial Web site directed to
children under 13. We do not collect personal information from
children. We do not have actual knowledge that we are collecting
personal information from children. If at a future date NM ENERGY
FCU establishes or provides services on a web site that in anyway
meets the criteria of the Act, NM ENERGY FCU will ensure that
full compliance is met by NM ENERGY FCU in every aspect of the
Act. Compliance
Privacy
Notice
New
Mexico Energy Federal Credit Union, is a member-owned financial
cooperative that is committed to providing financial services
to meet your needs and help you to reach your financial goals.
We are equally committed to protecting our members' privacy. You
can be confident that your financial privacy is a priority of
this Credit Union. We are required by law to give you this privacy
notice to explain how we collect, use and safeguard your personal
financial information. If you have any questions, please contact
a member service representative at 845-6939
or 1-800-837-6065.
INFORMATION WE COLLECT AND DISCLOSE
ABOUT YOU
We collect nonpublic personal information about you from the following
sources:
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Information
we receive from you on applications and other forms;
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Information
about your transactions with us or others;
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Information
we receive from a consumer reporting agency;
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Information
obtained when verifying the information you provide on an application
or other forms. This may be obtained from your current or past
employers or from other institutions where you conduct financial
transactions.
We may disclose all the information we collect, as described previously,
to companies that perform marketing services on our behalf. To
protect our members' privacy, we only work with companies that
agree to maintain strong confidentiality protections and limit
the use of information we provide. We do not permit these companies
to sell the member information we provide to other third parties.
In order to conduct the business of the Credit Union, we may also
disclose nonpublic personal information about you under other
circumstances as permitted or required by law. These disclosures
typically include information to process transactions on your
behalf, conduct the operations of our Credit Union, follow your
authorized instructions or protect the security of our financial
records.
If you terminate your membership with New Mexico Energy Federal
Credit Union, we will not share information we have collected
about you, except as permitted or required by law.
HOW
WE PROTECT YOUR INFORMATION
We restrict access to nonpublic personal information about you
to those employees who have a specific business purpose in utilizing
your data. Our employees are trained in the importance of maintaining
confidentiality and member privacy. We maintain physical, electronic,
and procedural safeguards that comply with federal regulations
and leading industry practices to safeguard your nonpublic personal
information.
WHAT
YOU CAN DO TO HELP PROTECT YOUR PRIVACY
New Mexico Energy Federal Credit Union is committed to protecting
the privacy of its members. Members can help by following these
simple guidelines:
Protect your account numbers, card numbers, PINs (personal identification
numbers) and passwords. Never keep your PIN with your debit or
credit card which can provide free access to your accounts if
your card is lost or stolen.
Use caution when disclosing your account numbers, Social Security
numbers, etc. to other persons. If someone calls you, explains
the call is on behalf of the Credit Union and asks for your account
number, you should beware. Credit Union staff will not need to
ask for your information.
Keep your information with us current. It is important that we
have current information on how to reach you. If we detect potentially
fraudulent or unauthorized activity or use of an account, we will
attempt to contact you immediately. If your address or phone number
changes, please let us know.
If you have questions concerning this notice, please do not hesitate
to call us – we are here to serve you.
YOUR
PRIVACY CHOICES
Under certain circumstances, federal laws give you the right to
instruct financial companies not to share some of your information.
This is referred to as “opting out” of information
sharing. The laws also permit financial companies to share certain
information about you without permitting you to opt out. Generally,
this type of information sharing is necessary for normal business
such as maintaining your accounts complying with your requests,
complying with the law or offering you additional products and
services. New Mexico Energy Federal Credit affiliates only share
information with third parties for normal business reasons. Therefore,
you may not be able to “opt out” of any of our information
sharing activities.
Despite our limited sharing practices, non-affiliated third parties
can still obtain information about you from consumer reporting
agencies and other outside sources to market their own products
and services. If you wish to limit their ability to obtain and
use your information for marketing purposes, call 1-888-5-OPTOUT
(1-888-567-8688). This service instructs credit
reporting agencies not to share your information with third parties
in connection with pre-approvals for insurance or credit cards.
You may also choose to send your request to be added to the OPT
OUT list by mail. For the addresses of the three credit reporting
agencies, please see below.
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Experian Credit Marketing, P.O. Box 919 , Allen , TX 75013
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Equifax
Options, P.O. Box 740123 , Atlanta , GA 30374-0123
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TransUnion
Opt Out Option, P.O. Box 7245 , Fullerton , CA 92637
If
you have questions concerning this notice, please do not hesitate
to call us – we are here to serve you.
USA Patriot Act
To help the government fight the funding of terrorism and money
laundering activities, Federal law requires all financial institutions
to obtain, verify, and record information that identifies each
person who opens an account. What this means to you: When you
open an account, we will ask for your name, address, date of birth,
and other information that will allow us to identify you. We may
also ask to see your driver’s license or other identifying
documents.
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