ProGrowth Bank Privacy Statement for All Current and Former Customers

Effective Date: 02/23/2014

This Security Statement includes ProGrowth Bank's Privacy Statement, which has been approved by TRUSTe.
Click here to see a user-friendly PDF of ProGrowth Bank's Privacy Statement, which has been approved by TRUSTe  (PDF document)

Notice of Your Financial Privacy Rights

When used in this notice:

  • we, our, and us means ProGrowth Bank.
  • You and your means our customers and our former customers who have previously had or continue to have a relationship by purchasing or holding financial products or services such as a:
    • Deposit Account
    • Online Banking
    • Loan Account
    • Other Services
    • Safe Deposit Box
    • Online Communities

Privacy Statement

At ProGrowth Bank, we trust you and value the trust you place in us. We continue to earn your trust each day. Our Privacy Policy and daily efforts focus on protecting your personal information. Additional information on our Privacy Policy can be obtained by contacting us by mail, email, or phone, as follows:

By Email: phil@progrowth.com
By Phone: Toll-free: 1-888-244-3490
By Regular
Mail:
ATTN: Compliance Officer
RE: Privacy Administration
ProGrowth Bank
320 Main Avenue, PO Box 266
Gaylord, MN 55334-0266

This Privacy Statement describes:

  • how ProGrowth Bank collects and uses the personal information you provide on our Web site:
    www.progrowth.com;
  • the choices available to you regarding our use of your personal information; and
  • how you can access and update this information.

ProGrowth Bank has been awarded TRUSTe's Privacy Seal signifying that this Privacy Statement and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions. If you have questions or complaints regarding our Privacy Statement or practices, please contact us by phone, email, or regular mail as shown on the first page of this Privacy Statement. If you are not satisfied with our response you can contact TRUSTe here.

The TRUSTe program covers only information that is collected through this Web site, www.progrowth.com, and does not cover information that may be collected through software downloaded from the site.

Our Pledge to You

  • We strive to protect your privacy at all times.

  • We do not share customer information with outside companies for purposes of selling their products and services to you.

  • We are committed to deliver banking services you need to succeed financially. If we do not offer a financial service, such as some insurance products, we may establish a joint marketing program with an outside company to offer that service to you. These programs include confidentiality agreements to protect customer information.

  • We maintain security standards and procedures designed to protect you. We continually test and update our technology to protect your information.

You can count on us to protect the privacy and security of your information, and to provide you with responsive, professional service. The ProGrowth name has been a trusted symbol of service and reliability for over 100 years. We are committed to earning your trust – and your business – every day.

Information Collection

Accurate, private customer information helps us to provide superior service to you. We may collect information about you from a variety of sources, such as:

  • Information we receive from you on applications or other forms, such as: your name, address, social security number, assets, Signer’s name, address, social security number, driver’s license number, liabilities and income.

  • Information we receive from an outside company, such as a consumer reporting agency, e.g., your credit history, payment history and creditworthiness; or

  • Information about your transactions or experiences with ProGrowth Bank or other parties, e.g., account balances, payment history and account activity.

Information Use and Disclosure

We use customer information for various reasons, including the following:

  • To protect you. The information we maintain about your customer relationship helps us identify you and helps prevent unauthorized persons from accessing your information, your accounts or your services.

  • To provide superior service. Your customer information allows us to respond quickly and efficiently to your needs.

  • To tell you about new or enhanced financial services. By understanding our relationship, we can better meet your needs and determine your eligibility for other ProGrowth services that could help you.

  • To improve and develop our products and services. We design our products and services to reflect the ways our customers actually use their accounts.

We will share your personal information with third parties only in ways that are described in this Privacy Statement. We do not sell your personal information to third parties. We do NOT disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. However, we may disclose information described in the “Information Collection” section to these types of outside companies or parties:

  • Non-financial companies, including companies that perform services on our behalf, such as check printers, companies that prepare account statements, or companies that help us market our own products to you; and

  • Independent contractors, such as technical systems consultants who program our software to help us administer or market our products to you.

  • as required by law, such as to comply with a subpoena, or similar legal process

  • when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request,

  • Government agencies, consumer-reporting agencies, and other outside parties as permitted or required by the Federal Privacy Act and other applicable laws. These disclosures are made for specific, limited purposes, such as to:

    • verify individuals’ identities (reducing fraud and identity theft),

    • meet customer service expectations (connecting to national ATM networks for ATM card access),

    • verify information for prompt credit approvals (meet customers’ immediate financial needs), or

    • make certain information a matter of public record (recording mortgages to let prospective buyers, title insurers, and others know about property liens).

  • if ProGrowth Bank is involved in a merger, acquisition, or sale of all or a portion of its assets, we will notify you via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information, or to any other third party with your prior consent.

We do not share customer information with outside companies for the purpose of marketing non-financial products or services of those companies.

Information Confidentiality and Protection Practices

ProGrowth Bank is committed to preventing others from unauthorized access to your information. We take several steps to protect your information, including:

  • We improve, update, and test our procedures and technology to protect your information.

  • We require outside companies and independent contractors to whom we provide customer information for marketing, servicing or processing purposes to enter into a confidentiality agreement that restricts the use of the information beyond the performance of the specified services on our behalf.

  • Our procedures limit access to your information to employees who need to know that information to help you. Our physical, electronic, and procedural safeguards comply with federal standards to guard your nonpublic personal information.

Information Integrity Measures

The security of your personal information is important to us. When you enter sensitive information (such as a social security and/or bank account number) on our application forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at phil@progrowth.com.

We work hard to ensure that your personal information is complete, accurate and safeguarded. We have secure procedures and processes to update your private information and to remove old information. We safeguard customer information through measures such as:

  • maintaining backup copies of account data in the event of power outages or other business interruptions,

  • using computer virus detection and eradication software on systems containing customer data,

  • installing computer hardware and software, and

  • employing other technical means (known as “firewalls”) to protect against unauthorized computer entry into systems containing customer information.

Children’s Online Privacy Protection Act (COPPA) Statement

The Children’s Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. In general, ProGrowth Bank’s Web sites and online services are not directed to children under the age of 13, nor is information knowingly collected from them.

However, ProGrowth Bank (ProGrowth) has developed several sections of its website for the convenience and education of children. ProGrowth offers links to several websites for young members. We encourage parents or guardians to monitor children under age 13 when children are online and to participate in any interactive activities offered on the website.

ProGrowth is committed to protecting the online privacy of the children who visit its website and to complying with the Children’s Online Privacy Protection Act. COPPA prohibits unfair or deceptive acts or practices in connection with the collection, use or disclosure of personally identifiable information from and about children on the Internet.

  • Personal information – ProGrowth does not collect or use underage members’ personal information through this website.

  • Site traffic records – ProGrowth collects information on domain names, types of browsers used and dates and times of visits to www.progrowth.com. This information includes no personal identifiers and allows ProGrowth to record website traffic to improve navigation and content.

  • Cookies – www.progrowth.com does not require the use of per-session cookies. Cookie information is never sold, given or disclosed to third parties.

  • Email – ProGrowth may use feedback information from readers to respond to member service requests, inquiries, comments or suggestions when emails are initiated by the visitor to the Credit Union website. Email information is never sold, given or disclosed to third parties.

ProGrowth’s website may include links to the external websites of others. These external sites are not part of ProGrowth Bank’s services, are not under our control, and may not comply with applicable law. Because these external websites may have privacy policies that are different than ProGrowth Bank’s Privacy Policy, please consult the privacy policies of any website that asks for personally identifiable information before providing it.

For information on COPPA protections, visit the Federal Trade Commission's website.

Cookies & Other Tracking Technologies
Cookies

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

There are times when we may use session ID cookies and/or persistent cookies on our website in order to provide you with a more favorable online banking experience. When we use session cookies, our intent is to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.

We will normally use session ID cookies for enhance your online banking experience. However, we will also periodically use persistent cookies to provide you with greater convenience and a faster online banking experience. We set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.

Tracking Technologies & Third Party Cookies

The use of cookies by our partners, affiliates, or service providers is not covered by our Privacy Statement. We do not have access or control over these cookies. Our partners, affiliates, or service providers may use session ID cookies to make it easier for you to navigate our site, in order for you to use the shopping cart, etc.

Our third party partners employe clear gifs (a.k.a. Web Beacons/Web Bugs), images, and scripts that help them better manage content on our site. We do not tie the information gathered to our Customers' or Users' personally identifiable information.

We may use Google Analytics, a third-party tracking service, which uses cookies to track non-personally identifiable information about our visitors to our site in the aggregate to capture usage and volume statistics. Some of our business partners (e.g., Google Analytics) use cookies on our site. We have no access to or control over these cookies. This Privacy Statement covers the use of cookies by ProGrowth Bank only and does not cover the use of cookies by any third-party.

We may also use a third party to gather information about how you and others use our Web site. For example, we will know how many users access a specific page and which links they clicked on. We use this aggregated information to understand and optimize how our site is used.

Additional Policy Information
Links to Other Web Sites

Our Site includes links to other Web sites whose privacy practices may differ from those of ProGrowth Bank. If you submit personal information to any of those sites, your information is governed by their Privacy Statements. We encourage you to carefully read the Privacy Statement of any Web site you visit.

Customer Testimonials/Comments/Reviews

We post customer testimonials/comments/reviews on our web site which may contain personally identifiable information. We do obtain the customer's consent via email prior to posting the testimonial to post their name along with their testimonial. Our Web site may offer publicly accessible blogs and/or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from public areas of our site, contact us at phil@progrowth.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Surveys

From time-to-time we may provide you the opportunity to participate in surveys on our site. If you participate, we may request certain personally identifiable information from you. Participation in these surveys is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code).

Data Retention

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at phil@progrowth.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

To Limit Our Direct Marketing

  • To limit our direct marketing to you by mail or telephone, please call 1-888-244-3490 or visit us online at www.progrowth.com/privacy and tell us your preference on the "Exercise Your Privacy Choice" Page.

  • To limit our direct marketing to you by e-mail, visit us online at www.progrowth.com/privacy and tell us your preferences on the "Email Preferences" page.

Please note:  We may contact our existing customers by mail, telephone, or e-mail to offer additional financial products or services that we believe may be of interest to you. You may direct us not to send you such offers. A "Do Not Call" Election is effective for five years (or while you are an active consumer customer, if longer). The Do Not Mail election is effective for three years. You may continue to receive marketing information in regular account mailings and statements, when you visit us online, or at an ATM. Even if you limit direct marketing, we may still contact you to service your account, to ask you to participate in surveys, or as otherwise allowed by law. If you have an assigned relationship manager, they may continue to contact you to assist you in managing your account relationship.

Important Notice About Credit Reporting

We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on you accounts(s) may be reflected in your credit report and/or consumer report.

Do Not Call Policy

This Privacy Policy constitutes ProGrowth Bank's Do Not Call Policy under the Telephone Consumer Protection Act for all consumers. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. ProGrowth Bank maintains an internal Do Not Call preference list. Do Not Call requests will be honored within 30 days and will be effective for at least five years from the date of request. Telemarketing calls will not be made to residential or cellular phone numbers that appear on the ProGrowth Bank Do Not Call list. If you communicate with us by telephone, we may monitor or record the call.

Customer Identification Program

In accordance with the USA PATRIOT Act, Federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or entity opening an account. This includes all personal and commercial accounts, including loan and deposit accounts, as well as trust, brokerage, insurance, and investment management accounts.

What This Means to You Customers

When you open an account, you will be asked for your name, address, Social Security or tax identification number, date of birth (if applicable), and other information that will allow ProGrowth Bank to identify you. You will also be asked to furnish your driver's license or other identifying documents. We are required to follow this procedure each time an account is opened, even if you are a current customer of ProGrowth Bank.

Notification of Privacy Statement Changes

We may update this Privacy Statement to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Information to Correct and/or Update Your Personal Information

To review, delete inaccuracies, and update your personal information to ensure it is accurate, contact us at:

By Email: phil@progrowth.com
By Phone: Toll-free: 1-888-244-3490
By Regular
Mail:
ATTN: Compliance Officer
RE: Privacy Administration
ProGrowth Bank
320 Main Avenue, PO Box 266
Gaylord, MN 55334-0266

You can also contact us about this Privacy Statement by writing or email us at the address shown above.

Special Note About Other Disclosures

ProGrowth Bank has other information about its policies and business practices available either on our website, by visiting one of our banking facilities, or by sending us a written request at the address shown above.