Icon Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top 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 (208) 344-7948 or 800-877-3174.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider. Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. 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 to other third parties the information we provide to them.
The Icon Credit Union Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Icon Credit Union Web Site constitutes your agreement to all such terms, conditions, and notices.
Icon Credit Union reserves the right to change the terms, conditions, and notices under which the Icon Credit Union Site/Services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the Icon Credit Union Site/Services constitutes your agreement to all such terms, conditions, and notices.
Personal and non-commercial use limitation:
Unless otherwise specified, the Icon Credit Union Site is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Icon Credit Union site.
Links to third party sites:
No unlawful or prohibited use:
As a condition of your use of the Icon Credit Union Site/Services, you will not use the Icon Credit Union Site/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Icon Credit Union Site/Services in any manner which could damage, disable, overburden, or impair any Icon Credit Union Site/Service(s) (or the network(s) connected to any Icon Credit Union Site/Service(s) or interfere with any other party’s use and enjoyment of any Icon Credit Union Site/Service(s). You may not attempt to gain unauthorized access to any Icon Credit Union Site/Service, other accounts, computer systems or networks connected to any Icon Credit Union Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Icon Credit Union Sites/Services.
Service Contact: email@example.com
Icon Credit Union reserves the right, at its sole discretion, to terminate your access to the Icon Credit Union Site/Services and the related services or any portion thereof at any time, without notice.
Icon Credit Union may also terminate or suspend your access to Icon Credit Union Site/Service(s) for inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by Icon Credit Union. Upon termination of the Icon Credit Union Site/Service, your right to use the Icon Credit Union Site/Service immediately ceases. Icon Credit Union shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.
Copyright and trademark notices:
All contents of the Icon Credit Union Web Site is: © 2012 Icon Credit Union All Rights Reserved and/or its suppliers, 1010 North Rose Street, Boise, ID 83703.
Any rights not expressly granted herein are reserved.
© 2011 Icon Credit Union
Effective Date: November 22, 2000
Web Site Use Statement
1. We will use prudent and reasonable measures to protect the accuracy and privacy of all member information, including information used while conducting business via the Internet, ATM networks, telephone, wire services, mail, and other means of communication.
2. Article XIX, Section 2 of Icon Credit Union’s Bylaws requires its officers, directors, members of committees and employees to hold in confidence all transactions of this credit union with its members and all information respecting their personal affairs, except when permitted by state or federal law.
3. If you have provided personal identifying information via e-mail (such as name and address), the information will only be used to communicate with you in handling your request. It is not sold, given, or disclosed to other parties.
4. If you choose to use Icon products or services that require you to provide us with personal identifying information, we will not use that information except as permitted by state or federal law.
Effective Date: November 22, 2000
Safeguarding Your Information
In today’s high tech world, we are able to do things more quickly and conveniently electronically whether it is to send a letter via email, pay bills or even go shopping online. With this increase in speed and convenience also comes increased risk. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public.
At Icon Credit Union, the security of member information is a priority. We are strongly committed to the safety and confidentiality of your records. One of the best ways to avoid fraud is to become an educated consumer and we would like to help you in this endeavor. Please take a moment to read this important information on how to remain safe when conducting business online.
How to Keep Yourself Safe in Cyberspace
An important part of online safety is knowledge. The more you know, the safer you’ll be. Here are some great tips on how to stay safe in cyberspace:
- Set good passwords. A good password is a combination of upper and lower case letters and numbers and one that is not easily guessed. Change your password frequently. Don’t write it down or share it with others.
- Don’t reveal personal information via email. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Play it safe, do not send your personal information such as account numbers, social security numbers, passwords etc. via email or texting.
- Don’t download that file! Opening files attached to emails can be dangerous especially when they are from someone you don’t know as they can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have a good antivirus program on your computer that is up-to-date.
- Links aren’t always what they seem. Never log in from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into their trap, type in the URL address directly and then log in.
- Web sites aren’t always what they seem. Be aware that if you navigate to a Web site from a link you don’t type, you may end up at a site that looks like the correct one, when in fact it’s not. Take time to verify that the Web page you’re visiting matches exactly with the URL that you’d expect.
- Logoff from sites when you are done. When you are ready to leave a site you have logged in to, logoff rather than just closing the page.
- Monitory account activity. Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions right away.
- Assess your risk. We recommend periodically assessing your online banking risk and put into place increased security controls where weaknesses are found; particularly for members with business accounts. Some items to consider when assessing your online banking risk are:
- Who has access to your online business account(s)?
- How and where are user names and passwords stored?
- How strong are your passwords and how often are they changed? Are they changed immediately before (or after) terminating an employee who had access to them?
- Do you have dual controls or other checks and balances with respect to access to and performance of online banking transactions?
What to Expect From Icon
- Icon will NEVER call, email or otherwise contact you and ask for your user name, password or other online banking credentials.
- Icon will NEVER contact you and ask for your credit or debit card number, PIN or 3-digit (CVC) security code. (Please see below for more information about how our card providers, Fidelity and Vantiv, approach member service calls).
If at any time our card provider (Fidelity) suspects fraud on your account they will identify themselves as calling from “Icon Credit Union’s Fraud Service Center”. (Fidelity uses an automatic dialer to contact the cardholder).
They will confirm if the recipient is the cardholder [Cardholder Name Spoken] as follows:
- If the cardholder is unavailable, a message is played asking that the cardholder return the call, and provides the appropriate toll-free number.
- If the cardholder is available, the system verifies their identity by prompting entry of the last four digits of their Social Security number or Tax Identification number.
When the cardholder’s identity is confirmed, they are then prompted to confirm the reported transaction(s) as legitimate or suspect by using their telephone keypad to respond. If the cardholder indicates that they do not recognize the reported transaction(s), the call is automatically routed to a Fraud Alert Specialist for further action. If all transactions are acknowledged as legitimate, the call is completed and no action is taken. If the automatic dialer reaches an answering machine or voicemail system, the following message is left for the cardholder:
“Hello. This message is for (cardholder name). This is the fraud service center for your Icon Credit Union (Visa/MasterCard) credit card account. We are calling to verify recent activity that has appeared on your account. Please refer to Case Number (insert assigned case number) when returning our call. Please give us a call at 1.800.437.9392. Again the telephone number is 1 (800) 437-9392. We are available 24 hours a day, seven days a week. If you are traveling or reside outside Canada or the US, you may call us collect at (727) 227-2447. Thank you.”
If at any time our card provider (Vantiv) suspects fraud on your account they will identify themselves as “Icon Credit Union’s Card Fraud Detection”. Here is the call script the Vantiv specialist will use:
“Hello, I am calling for (member name); this is (specialist name) and I am calling on behalf of card fraud detection for Icon Credit Union in regards to your debit card. I would like to verify some unusual charges.”
When Vantiv makes contact with a cardholder they do not ask for a card number. If they have left a reference number on voicemail (but the member did not write it down), they give the member the option of providing their card number or calling back with the reference number.
Vantiv specialists would validate the cardholder by asking for:
- address information (ZIP code or street address)
- the last 4 digits of their Social Security Number
Vantiv specialists will NEVER ask for:
- Social Security Number
- CVC (Security) Code
- Checking or Savings account data
If the cardholder is concerned about speaking with the representative, the Vantiv specialist will direct them to their branch or the customer service number on the back of their card.
Rights and Responsibilities
With respect to online banking and electronic fund transfers, the Federal government has put in place rights and responsibilities for both you and the credit union. These rights and responsibilities are described in the Important Account Information for Our Members disclosure you received when you opened your account with Icon.
Ultimately, if you notice suspicious account activity or experience security-related events, please contact the credit union immediately at (208) 344-7948 or 1(800) 877-3174.
Agreement and Consent to Electronic Delivery of Information
In this Agreement And Consent To Electronic Delivery Of Information (“Consent”), the words I, me and my mean the undersigned member of Icon Credit Union (“Credit Union”). The words you and your mean Icon Credit Union.
IMPORTANT DISCLOSURES. PLEASE READ CAREFULLY
Records To Be Delivered Electronically
I understand that you will use an electronic record to provide or make available the following information relating to transactions between you and I:
- Periodic statements for checking, savings and loan accounts, including notices and disclosures required by law.
I further understand that Icon CU will discontinue sending me statements via postal mail service and the current statement information will be available by the 5th day of each month. I may occasionally receive additional messages from the credit union.
Right to Paper Record
I may obtain a paper copy of any disclosure or other information received electronically under this Consent by mailing a written request to the address below:
Icon Credit Union
7615 West Riverside Drive
Boise, ID 83714
I may also request a paper copy electronically through e-mailing us at firstname.lastname@example.org. I must identify the specific record requested. Fees for receiving paper records, if any, will be assessed in accordance with your published fee schedule, which is available at your credit union office.
Right to Withdraw Consent
I may withdraw my consent and terminate this Agreement at any time by notifying you in writing at the address above, or by electronic means at email@example.com. I agree to allow you a reasonable time to resume providing disclosures and other information covered by this Agreement in written form. There are currently no conditions, fees or other restrictions relating to my withdrawal of consent. However, you reserve the right to impose such conditions, fees or other restrictions at any time upon such notice as may be required by law.
Updated Contact Information
If I change my e-mail address, Internet Service Provider or other information needed to contact me electronically, I must provide you with updated information by written notice sent to the address above or by electronic notice to firstname.lastname@example.org.
Hardware and Software Requirements
I must maintain a computer system with a web browser (Netscape Navigator 4.0 or higher, Microsoft Internet Explorer 4.0 or higher) in order to receive statements and disclosures electronically. Further, I must have a printer capable of printing Portable Document Format (PDF) files and Adobe Acrobat Reader 4.0 (or higher) Software to print any disclosures or account statements that are e-mailed to me and/or made available on your website, or have the ability to electronically save and visually display on my computer screen such documents.
I have reviewed and understand the above disclosures and hereby consent to your use of an electronic record to provide or make available the information described above relating to all transactions between you and I.