Privacy Policy & Disclosures | Greater Nevada Credit Union

Below you will find Greater Nevada Credit Union’s various privacy policy and account disclosures. If you have any questions or comments about these documents, please call (775) 882-2060 or (800) 421-6674 and a representative will be happy to assist you.

Greater Nevada Credit Union (GNCU) values its users’ online privacy. This Online Privacy Policy (“Policy”) will help you understand how we collect and use personal information from those who visit our website or make use of our online facilities and services, and what we will and will not do with the information we collect. Our Policy has been designed and created to ensure those affiliated with Greater Nevada Credit Union of our commitment and realization of our obligation not only to meet, but to exceed, most existing privacy standards.

We reserve the right to make changes to this Policy at any given time. If you want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. If at any point in time Greater Nevada Credit Union decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.

This Policy applies to Greater Nevada Credit Union, and it governs any and all data collection and usage by us. Through the use of gncu.org, you are therefore consenting to the data collection procedures expressed in this Policy.

Please note that this Policy does not govern the collection and use of information by companies that Greater Nevada Credit Union does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and statements of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected.

Specifically, this Policy will inform you of the following

What personally identifiable information is collected from you through our website;
Why we collect personally identifiable information and the legal basis for such collection;
How we use the collected information and with whom it may be shared;
What choices are available to you regarding the use of your data; and
The security procedures in place to protect the misuse of your information.

Information We Collect

It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services. This website collects various types of information, such as:

Voluntarily provided information which may include your name, address, email address, billing and/or credit card information etc. which may be used when you purchase products and/or services and to deliver the services you have requested.
Information automatically collected when visiting our website, which may include cookies, third party tracking technologies and server logs.

In addition, Greater Nevada Credit Union may have the occasion to collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race and religion, as well as the type of browser you are using, IP address, or type of operating system, which will assist us in providing and maintaining superior quality service.

Greater Nevada Credit Union may also deem it necessary, from time to time, to follow websites that our users may frequent to gleam what types of services and products may be the most popular to customers or the general public.

Cookies may be used when you visit our website. Cookies are small files that your device stores when you visit a website. Cookies make it possible, for example, to assess you have previously visited that particular website, can take into account your preferred language or other settings, can offer particular functions, or recognize your interests based on your usage. Cookies may contain personal data. Cookies also depend on the settings of the web browser you are using (i.e., Google Chrome, Microsoft Edge, Mozilla Firefox, Apple Safari). Most web browsers are preset to automatically accept particular types of cookies, but you can typically change these settings. You can also delete stored cookies at any time. Please consult information guides for your device and/or browser to learn more. Using, rejecting or deleting cookies is all related to the device and web browser you use. If you use multiple devices or web browsers, you can make separate decisions regarding settings for cookies on each device and/or web browser. Please know that if you decide against the use of cookies or delete them, you may not have access to all functions of our websites or particular functions may be limited.

Users of the Greater Nevada Credit Union mobile banking application downloaded from Google Play and the Apple App Store can access various features, some of which may require permission. These permissions are optional, and without acceptance, some app features may not be available. Below are the permissions and what they are used for.

Permission	Function
Location	This application needs access to your location to direct you to the closest financial center or ATM.
Browser or Device Information	Information such as computer type, screen resolution, operating system name and version, internet browser, and the application name and version are collected to ensure the application functions properly.
Camera	Access to your camera is required to take pictures of checks when using Mobile Check Deposit.
Images	An image of the check is transmitted (but not stored on the device) when using Mobile Check Deposit.
Foreground Service and Wake Lock	The application is prioritized for processing power, which could reduce the device’s battery life.
Post Notifications	Enabling post notifications allows you to receive notifications regarding transactions and accounts.
Contacts	Access to your contacts allows you to make person-to-person payments, such as those through Zelle®, if you opt-in.
Biometrics	Access to biometrics and fingerprints stored on your phone allows you to log in to your account without using a password.
Application Information	Usage data based on your specific device is tracked and collected when you download and use the application.

If the GNCU mobile app collects sensitive information from your mobile device that is not disclosed here, we will notify you before doing so.

Why We Collect Information and For How Long

We are collecting your data for several reasons:

To better understand your needs and provide you with the services you have requested;
To fulfill our legitimate interest in improving our services and products;
To send you promotional emails containing information we think you may like when we have your consent to do so;
To contact you to fill out surveys or participate in other types of market research, when we have your consent to do so;
To customize our website according to your online behavior and personal preferences.

The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy.

Use of Information Collected

Greater Nevada Credit Union does not now, nor will it in the future, sell, rent or lease any of its customer lists and/or names to any third parties.

Greater Nevada Credit Union may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from gncu.org.

Greater Nevada Credit Union may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.

Greater Nevada Credit Union uses various third-party social media features including but not limited to Facebook, LinkedIn, and other interactive programs. These may collect your IP address and require cookies to work properly. These services are governed by the privacy policies of the providers and are not within Greater Nevada Credit Union’s control.

Disclosure of Information

Greater Nevada Credit Union may not use or disclose the information provided by you except under the following circumstances:

as necessary to provide services or products you have ordered;
in other ways described in this Policy or to which you have otherwise consented;
in the aggregate with other information in such a way so that your identity cannot reasonably be determined;
as required by law, or in response to a subpoena or search warrant;
to outside auditors who have agreed to keep the information confidential;
as necessary to enforce the Terms of Service;
as necessary to maintain, safeguard and preserve all the rights and property of Greater Nevada Credit Union.

Non-Marketing Purposes

Greater Nevada Credit Union greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and/or changes in Greater Nevada Credit Union products and services). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.

Unsubscribe or Opt-Out

All users and visitors to our website have the option to discontinue receiving communications from us by way of email or newsletters. To discontinue or unsubscribe from our website, please submit an online inquiry through our contact form to let us know that you wish to unsubscribe. If you wish to unsubscribe or opt-out from any third-party websites, you must go to that specific website to unsubscribe or opt-out. Greater Nevada Credit Union will continue to adhere to this Policy with respect to any personal information previously collected.

Links to Other Websites

Our website does contain links to affiliate and other websites. Greater Nevada Credit Union does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. This Privacy Policy Agreement applies only and solely to the information collected by our website.

Notice to Nevada Residents

Nevada law allows users to “opt out” of the sale of particular personal information, called “covered information.” However, we do not sell covered information as defined by Nevada law, and we have no plans to change that practice.

Notice to European Users

Greater Nevada Credit Union’s operations are located primarily in the United States. If you provide information to us, the information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on the EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the US under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy.

Security

Greater Nevada Credit Union takes precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (e.g. credit card information), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for “https” at the beginning of the address of the webpage.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure or modification of the user’s personal information under our control.

The company also uses Secure Socket Layer (SSL) for authentication and private communications to build users’ trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information.

Acceptance of Terms

By using this website, you are hereby accepting the terms and conditions stipulated within the Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you agree and accept such changes.

How to Contact Us

If you have any questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to contact us at the following email, telephone number or mailing address. If you are a California resident and wish to exercise your rights under California law, please refer to “CCPA” in your communication.

Email: Contact Us

Phone: (775) 882-2060 or (800) 421-6674

Mailing Address:

Greater Nevada Credit Union
P.O. Box 2128
Carson City, NV 89702

Políticas de Confidencialidad y Divulgación de Información de una Cuenta

En la parte de abajo, usted encontrará un archivo que contiene un documento acerca de las Políticas de Confidencialidad y Divulgación de Información de una cuenta de Greater Nevada. Si usted tiene alguna pregunta ó comentario acerca de estos documentos, por favor llame al (775) 882-2060 ó al (800) 421-6674 y un representante con gusto le ayudará.

Page last updated: June 25, 2024