POLICIES
Our privacy policy and statement on accessibility.
Privacy & Security Policy
Facts — What does Lighthouse Credit Union do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and name
- Name and address
- Account balances and payment and credit history with Northeast Credit Union
How?
All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Northeast Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Lighthouse Credit Union share? | Can you limit this sharing? |
| For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes — to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes — information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes — information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We don’t share |
To limit our sharing
Visit us online: www.lighthousecu.org
Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Call 888.436.1847 or go to www.lighthousecu.org
Who we are
Lighthouse Credit Union
What we do
How does Lighthouse Credit Union protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
This includes asking for certain information to identify a member who is transacting business or inquiring via telephone, online or in person.
How does Northeast Credit Union collect my personal information?
We collect your personal information, for example, when you
- Apply for a membership or use Online Bill Pay
- Apply for a loan or deposit money
- Use your credit or debit card
Why can’t I limit all sharing?
Federal law gives you the right to limit only
sharing for affiliates’ everyday business purposes – information about your
- creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Lighthouse Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- Lighthouse Credit Union shares with non affiliates such as insurance companies and investment services.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include cooperatives.
Other important information
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.
For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.
For Vermont Members.
- We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
- Additional information concerning our privacy policies can be found at www.lighthousecu.org or call 888.436.1847.
Accessibility
AudioEye Accessibility Certification
The AudioEye Certification seal represents a commitment to accessibility and digital inclusion. The AudioEye certification process involves automatic and manual testing with the goal of maximizing conformance with Web Content Accessibility Guidelines (WCAG) 2.1 Level AA Success Criteria.
AudioEye certifies that this site is in the process of being enhanced to conform with WCAG 2.1 Level AA Success Criteria to the greatest extent possible.
AudioEye and lighthousecu.org continue to collaborate in an ongoing effort to maintain conformance and provide an accessible user experience for all users.
This website is regularly tested using a variety of assistive technologies. We recommend using the following web browser / screen reader combinations for an optimized experience:
For Windows users: JAWS and Chrome or NVDA and Firefox
For Mac users: VoiceOver and Safari or VoiceOver and Chrome
For mobile users: VoiceOver for the iPhone and TalkBack for Android devices
Web Accessibility Guidelines
Please see more information about WCAG compliance.
Improving the User Experience for Users of Assistive Technologies
lighthousecu.org has leveraged the Web Content Accessibility Guidelines (WCAG) 2.1 as reference to ensure the web content made available from this site is more accessible for individuals with disabilities and user friendly for everyone.
These globally recognized best practices (as recommended by the World Wide Web Consortium) consist of three levels of accessibility measurement (A, AA, and AAA). To the greatest extent feasible, lighthousecu.org has elected to conform to Level AA of these guidelines.
The AudioEye Toolbar
Providing Users with a Free and Customizable Assistive Utility
In addition to the above-mentioned techniques and strategies—and since not all site visitors have access to assistive tools such as screen readers—we have provided free Web Enhancement Tools that allow site visitors to customize their user experience.
Activate the AudioEye Toolbar by clicking on the Accessibility icon on any page on this website. You can also click the button below.