Welcome to the Missouri Credit Union Association's website. The Missouri Credit Union Association (MCUA) has designed its website to be a resource about credit unions for use by the general public. In addition, MCUA maintains this site as a valuable business tool for its member credit unions. We respect your right to privacy and will protect it when you visit our website. This page explains how we handle information about you when you visit and use our site. MCUA provides this website as a public service - you do not have to provide any personal information in order to browse many of the pages. Log-in may be required for certain information requests. The extent and type of information we receive depends on what you do while you are visiting our website.
MCUA collects no personal information about you when you visit our website unless you specifically and knowingly choose to provide such information to us or as described below. If you choose to provide information to us, we use it only to fulfill your request for information or services.
Because the privacy of our members and other visitors to this website is of the utmost importance, MCUA has adopted the following policies:
Security Notification. This system is owned and operated by Missouri Credit Union Association (MCUA). This system may be used only for authorized purposes. MCUA may monitor and audit the usage of this system, and all persons accessing this system are hereby notified that the use of this system constitutes consent to such monitoring and auditing. Unauthorized attempts to upload, download, or otherwise access or retrieve information and/or change information on this web site is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and 18 U.S.C. §§ 1001 and 1030.
Legal Disclaimer. By using this site, you are acknowledging that you have read, understand, and accept the terms set forth in this Policy. Inasmuch as Internet technologies and Internet business methods are continuing to evolve MCUA reserves the right to change or modify the contents of this website at any time and without notice. MCUA assumes no liability for such changes or modifications. While MCUA endeavors to provide up-to-date information and functions, MCUA cannot guarantee and expressly does not warrant that such information or functions are up-to-date, error-free or that user access to the website will be uninterrupted or that material accessible from this site is free of viruses. This site, including all of its contents, software, functions and information made available on or accessed through this site, is provided "as is" and MCUA and its subsidiaries and affiliates make no representations or warranties of any kind whatsoever for the contents on this site or the information and functions made accessible through this site.
Any material and information provided by any user to this site may be included in any database owned by MCUA and our subsidiaries and affiliates in which we have rights and interest. MCUA reserves the right to use any information you provide to us or that is obtained through your use of this website to the fullest extent permitted by law. User shall not transmit any material or information to this site that infringes on any copyright or other proprietary rights of any other person. Unless otherwise indicated on this website, duplication of information found within this site, is prohibited without express written permission from MCUA. Any modification or redistribution of the material within this website is a violation of applicable copyright laws. Information is subject to change without notice.
The public portions of this website are a resource of general information. The public information provided on this website is intended, but not promised or guaranteed to be correct, complete, or up-to-date. The public information is not intended be a source of legal advice and you should not rely on the information on this site in place of the advice of competent counsel. This website is not sponsored or associated with any particular linked entity unless specifically stated. The existence of any particular link is simply intended to imply potential interest to the reader and inclusion of a link should not be construed as an endorsement.
Statistical Information Collected and Stored Automatically. Our website automatically records website usage information that we analyze statistically to track operational problems, to prevent fraud and to improve the effectiveness, security and integrity of the site. This information does not identify you personally and we do not use this information to track or record information about individuals. We will disclose this information to third parties only in aggregate form or as may be required by law. For each page that you visit, we may collect and store the following technical information in what is called a web server log file:
- URL address of the MCUA webpage visited
- Internet domain and IP address from which our website was accessed
- Type of browser and operating system used to access our site (if provided by the browser)
- URL address of the referring page (if provided by the browser)
- Completion or success status of the request for a web page or other on-line item
- File size of the webpage visited
For the purpose of enabling better website design and a better user experience, we employ Google Analytics (a web service by Google, Inc.) to track site traffic and provide aggregate reports of how the public interacts with our website. In utilizing this analytics service, MCUA maintains its existing standards in regards to the sharing and disclosure of information, security and privacy safeguards for the data, and the data retention policy, each described below. Google Analytics analyzes website usage information automatically upon visits to MCUA’s websites. Users who do not wish to have their visit information collected by Google Analytics may opt-out by downloading a browser extension or by disabling cookies in their browser settings. Opting-out of web measurements will still permit users to access the full mcua.org website, with all included information and functionality.
Information You Provide Voluntarily. If you voluntarily provide us with personal information, for example by sending an e-mail or by filling out a form and submitting it through our Website, you are indicating voluntary consent for us to use the information you are submitting to respond to your message and to help us provide you with the information and services that you have requested. We make every effort to disclose clearly how information is used at the point where it is collected so that our users can determine for themselves whether they wish to provide the information.
Sharing and Disclosure of Information. Your submission, including personal information, may be shared within the MCUA organization as well as with other organizations that may, from time to time, be assisting MCUA in its efforts. We do not collect, give, sell or rent any personal information to third parties for commercial marketing.
Retention of Information. We may retain electronically submitted information as long as necessary to respond to your request. Computer web server logs may be preserved as long as administratively necessary and are scheduled for destruction in accordance with guidelines approved by NARA. The information in the logs may be used at any time as necessary to prevent security breaches and to insure the integrity of the data on our servers.
If you use an on-line form to receive filing software or to register for informational e-mail updates, or for other purposes, information you provide may be retained so that we can notify you about changes or upgrades, where appropriate.
Security of Personal Information. We use commercial encryption techniques to protect the transmission and storage of the information you submit to us when you use one of our secure online forms. E-mail that you send to us is not necessarily secure against third-party interception or misdirection. For your own protection, you may wish to communicate sensitive information using a method other than e-mail.
For website security purposes and to ensure that our website remains available to all users, MCUA computer systems that support the website use industry-standard methods and software to monitor and audit network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. Anyone visiting our website expressly consents to such monitoring and auditing.
Cookies. A cookie is a piece of data stored by a website or service on a user's computer that allows the website or service to recognize the user's unique computer. You can remove or block cookies by changing the settings on your browser.
Some videos embedded in the MCUA website may set a persistent cookie when you click to play the video. These cookies are stored on your computer's hard drive and allow the third party video provider to record and track the website that you have visited and which videos you have played. The third party video service provider uses this information, among other things, to maintain accurate statistics of video use and to customize the video service for individual users. Further information regarding the handling of these cookies is available in the privacy statements available on the video providers' websites.
For the purposes of improving the services delivered via MCUA.org, all visitors will periodically be given the opportunity to provide feedback about the website. During periods when feedback is collected, a visitor's browser will automatically set a persistent cookie to register that a user has been presented with the opportunity to provide this feedback, and to avoid repeatedly requesting feedback on subsequent visits.
Personalization and Registration. Some MCUA electronic systems such as event registration or e-mail newsletters, allow you to customize how you interact with them in order to enhance service and add personalized functionality. In order to use these systems and make use of this functionality, individuals and entities doing business with MCUA must obtain a user identification number. Request an account at the top of this page for access. This unique number is used to identify your personal information and preferences in dealings with MCUA.