Dakotaland Federal Credit Union Privacy Policy
Dakotaland Federal Credit Union's (DFCU) top priority is protecting our members privacy.  We value the trust you place in us, not only to deliver the best products and services we can at the best rates that we can offer, but also to keep your personal finances and other information confidential.

The information below explains our policies for using and protecting the personal financial information that you entrust to us.

Your Information Is Not For Sale
We do not and will not sell mailing lists or the financial information of our members.

All Information We Share With Third-Party Service Providers Is Protected
In the course of providing and administering the products and services you use, we do share some information with our service providers.  All of our information sharing is protected by contractual non-disclosure agreements that address the confidential nature of all of our member information.  They require strict measures to protect the privacy of that information.  In addition, all of the contractual provisions are specifically worded to survive the termination of every contract.  This means that we have protected your information both now and at any future point in time.

Collection And Disclosure Of Personal Information
When you apply for a product or service, you provide personal information necessary for us to process your application.  In order to fulfill your requests and continue to maintain your membership effectively, we retain and may share information we learn about you from the following sources;  information we receive from you on applications (paper and on-line) or other forms such as your name, address, Social Security Number; information about your transactions with us such as your payment history and credit card usage; information we receive from consumer reporting agencies such as credit history.  See additional details below.

Sharing Information With Third-Party Service Providers
By using the services of reputable companies, we can provide you state-of-the-art products and services we would not be able to provide you on our own.  In all cases where we use third-party service providers to help us serve you, contract provisions and our due diligence protect the privacy of all member information shared.   Generally, we share you nonpublic personal information with nonaffiliated third parties to complete transactions or maintain accounts and related records.  We limit the information shared to only what is absolutely necessary to provide the service to you.  Here are some examples of third-party providers we use:

• ATM Transaction Processor
• Bill Payment Service
• Plastic Card Production
• Check Printer
• Statement Printer
• Mortgage Application Processors
• E*Teller Access Provider

We may also share information with select nonaffiliated third parties if:  you request or authorize it, such as a deposit verification, or the information is necessary to process a transaction initiated by you, such as a Visa Credit Card purchase, or an ATM withdrawal.

Dakotaland enters into arrangements only with businesses we believe provide a quality product or service and who follow strict confidentiality requirements to assure they are legally bound to safeguard any information that is shared with them.

Credit Reporting
Without using and sharing information with credit reporting agencies as virtually all lenders do, DFCU would be unable to meet the mortgage and consumer loan needs of our members.  DFCU has a fiduciary responsibility to protect the assets of your credit union from losses.  As a result, we make use of data supplied by credit reporting firms to help ensure members we lend money to or give a checking account to will fulfill their financial obligations.

In exchange for access to this data, we are required by contract to report back to these agencies on what loans members have with us and if they are repaying their loans on time.  The use and reporting of credit information is regulated under the Fair Credit Reporting Act.  DFCU follows the letter and the spirit of these regulations.  We make every effort to ensure credit information we report is accurate and up to date.

Group Benefit Providers, Surveys, & Consulting Firms
We may occasionally provide information to reputable non-affiliated third parties to give you access to products you have requested that are not offered directly by Dakotaland Federal Credit Union, often at a reduced cost .  For example, as a DFCU member, you're eligible for a certain amount of FREE Accidental Death & Dismemberment Insurance and reduced cost additional coverage through Cuna Mutual Group.

From time to time, we contract with financial institution consulting and survey firms.  They may survey your opinions on our behalf or analyze financial data to help us identify trends and determine what future services may be of value to you.

Information We Must Report To Government Agencies Or The Courts
As a financial institution, we may be required by law or regulation to disclose personal financial information to government agencies, law enforcement, or the courts.  Here is a summary of what we disclose under these circumstances:

Tax Reporting:  By law, we must report information on your dividends, Individual Retirement Account contributions, and real estate loan interest to the Internal Revenue Service.  The IRS requires this reporting include your name, address, and Social Security Number (or tax I.D. number).  This same information is mailed to you in accordance with the IRS requirements to assist in preparation of your tax returns.

Loans Secured By Real Property:  By law, any loan secured by a home or land (such as a mortgage or home equity loan) must be recorded with the local government - typically a county government.  This information includes the name of the borrower(s), address of the property, the name of the financial institution, and the amount of the loan.  DFCU must follow these local laws as do all mortgage lenders.

Once recorded, the information becomes public record and is usually accessible to anyone.  Various businesses compile and sell this public record information to other firms who may use it to market mortgage insurance, mortgage refinancing, and other services to you.  Be wary of any mail solicitations that mention Dakotaland Federal Credit Union, but do not have the DFCU logo, or our address.  Please be sure to report anything suspicious to the credit union so we can take action if warranted.

Loans Secured By Vehicles:  By law, any loan secured by a titled vehicle is recorded with the state Registry of Motor Vehicles or similar agency.  Our security interest is noted on the title.  Dakotaland follows applicable state laws when filing a security interest.  Only the fact that we have a security interest in the vehicle is shared.  Unfortunately, some state agencies still sell access to motor vehicle registration information to marketers and automotive companies.

Court Order:  There are instances when we may be ordered by a court of law to provide certain account information.  This is usually the result of a court proceeding that you have been involved with and are therefore aware of.

Security Of Information
We take security seriously.  And, while we continue providing you convenient new methods by which to access your account, we realize there are a number of precautions we must take to safeguard the information you are transmitting.  Transmissions between your PC and the E*Teller servers, for example, are encrypted so that the information you enter can only be deciphered by Dakotaland Federal Credit Union. 

We restrict the level of access our employees have to your membership based on their responsibilities and hold them to high levels of confidentiality.  In addition, we maintain physical, electronic, and procedural protections that comply with federal regulations to guard your nonpublic personal information and privacy.

Opt-Out
You may have seen or heard the term opt-out in articles or on the news in relation to privacy laws.  An opt-out method is required to be provided by any institution sharing customer or member information in a manner that is not allowed for within the privacy laws.  The opt-out effectively removes that customer or member's information from sharing processes.  Dakotaland Federal Credit Union currently only shares information as is allowed in the privacy laws.  We NEVER sell our member information and only share it within the context of providing services to you.

Our confidentiality agreements include provisions preventing any third-party we deal with from contacting you in any manner outside of the terms of the agreement.  Therefore, Dakotaland does not currently provide an opt-out option.  We do not intend to alter our current practices but rest assured that if we do, we will provide an opt-out method and make sure that you are given notice and more than adequate time to respond.

Discontinuation Of Direct Mail Communications
We do provide you with a method to discontinue receiving any of our mailed member communication pieces.  We use these to keep you informed of the benefits of Dakotaland Federal Credit Union membership as we try to help you achieve financial well-being.  We hope you find them worthwhile especially because the ideas behind many of these mailings come directly from our members.  If you do decide to discontinue receiving DFCU promotional pieces, you will cease receiving the following from us:

• Mailed offers of credit union products
• Loans approved for you in advance
• Mailed credit union newsletters including special coupons
• Statement inserts not sent to all members
• Mailed offers we provide for third-party financial services

If you wish to stop receiving these mailings, send an email to helpdesk@dakotalandfcu.com with Discontinue DFCU Promotions in the subject line.  Please include your name in the body of the message.  You can also call us at (800) 440-6573 or mail this information to:

Dakotaland Federal Credit Union
Marketing Department
1371 Dakota Avenue S.
Huron, SD  57350

Accuracy Of Information
We strive to make sure our records contains accurate information.  Inaccurate information, when brought to our attention, is corrected promptly.  We request that you keep your personal information with us as current as possible so that you may take advantage of all that Dakotaland has to offer.  You can check your current address and phone number on file by logging into E*Teller and looking at the top of the Account Access page.  You can give us updating instructions by calling our office at (605) 352-2845 or (800) 440-6573.

We Care About Your Privacy and You
Again, we take our member's privacy very seriously.  We do not however, have control of the privacy practices of other institutions or web sites.  We strongly advise you to review the privacy policies of any other institution or web site you visit including those you've heard about through us. 

Our privacy policy and practices apply whether you are an active Dakotaland member, an inactive member, or a former member.

Privacy And The DFCU Website
No matter how your are interacting with us, Dakotaland Federal Credit Union values your trust and confidence.  We adhere to our Privacy Policy at all times, including on the phone, in the mail, at a branch office, and on the Internet.

DFCU has established standards and practices that we use to protect your privacy while using the Dakotaland Website.  These work in conjunction with our existing Privacy Policy.

On Our Web Site
Our servers collect standard non-identifying information about our web page visitors.  This information is viewed only in aggregate and is not personally identifying.  For example, we collect the date and time visited, IP address, city, state, and country.  This information is used to compile standard statistics on site usage only.  If personal identifying information is received from you via an email, this information will only be used to communicate with you and to handle your request.  Please be aware that email transmission are not necessarily secure against interceptions.  If communication is very sensitive or includes personal information like your credit union account number or social security number, you may want to notify us by other means.

Site Link Disclosures
Many of the sites accessed through Dakotaland Federal Credit Union's site will have disclosures, legal notices and privacy statements posted on their sites.  If you have concerns of any kind, please review these before providing information or using the sites.

Links
At certain places on this Dakotaland Federal Credit Union site, live links' to other internet addresses can be accessed.  Such external internet addresses contain information created, published, maintained, or otherwise posted by institutions or organizations independent of Dakotaland Federal Credit Union.  DFCU does not endorse, approve, certify or control these external internet addresses and does not guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses.  Use of any information obtained from such addresses involuntary, and reliance on it should only be undertaken after an independent review of its' accuracy, completeness, efficacy, and timeliness.  Reference therein to any specific commercial product, process, or service by trade name, trademarks, service mark, manufacturer or otherwise does not constitute or imply endorsement.

Disclaimer
By accessing this site, you agree to be bound by the following terms and conditions.  Dakotaland Federal Credit Union accepts no responsibility for decisions made by the user in regards to acting upon any content within these pages.  While Dakotaland Federal Credit Union makes every effort to present accurate and reliable information on this Internet site.  DFCU does not endorse, approve, or certify such information, nor does it guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of such information.  Use of such information is voluntary, and reliance on it should only be undertaken after an independent review of its' accuracy, completeness, efficacy and timeliness.  This site is provided by DFCU on a "AS IS" basis.  DFCU makes no representations or warranties of any kinds, express or implied, as to the operation of the site.  To the full extent permissible by applicable law, DFCU disclaims all warranties, express or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose.  DFCU will not be liable for any damages of any kind arising from the use of this site, including but not limited to direct, indirect, incidental punitive and consequential.

Applicable Law
This site is created and controlled by Dakotaland Federal Credit Union in the State of South Dakota, USA.  As such, the laws of the State of South Dakota will govern these disclaimers, terms and conditions, without giving effect to any principles of conflicts of laws.  We reserve the right to make changes to our site and these disclaimers, terms and conditions at any time.

Partners
All references to the term "partner" on this web site or in any printed materials mean that the party to whom is referred to as partner shares a mutual interest with us in our program and is supportive of our efforts.  The use of the term does not mean that those referred to as partner or ourselves are authorized to bind either said parties contractually or to share profits or losses with us in our business and does not have anything in common with the term partner as defined in the Uniform Partnership Act.

Child Privacy Notice
The personal information of a child received online under the age of thirteen (13) is not collected, stored, or disclosed by Dakotaland Federal Credit Union in order to comply with the Children's Online Privacy Protection Act.  This personal information includes name, address, e-mail address, telephone number, social security number, specific identifier, or any combination of various identifying elements.  If a child under the age of thirteen elects to send an e-mail or other electronic request to DFCU, the credit union may respond to that e-mail request.  However, the e-mail address of the child will be deleted and no personal information will be collected, stored or disclosed.

Change Without Notice
Rates, Prices, Options, and Availability are subject to change without notice.

If you need to contact us in connection with this policy, you may write us at:

Member Privacy
Dakotaland Federal Credit Union
1371 Dakota Avenue South
Huron, SD  57350

Or email us at helpdesk@dakotalandfcu.com or call us at (605) 352-2845 or (800) 440-6573.

Learn about ways to protect yourself by visiting our web page devoted to Preventing Identity Theft & Scams.