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
- 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
At ProGrowth Bank, we trust you and value the trust you place in us.
can be obtained by contacting us by mail, email, or phone, as follows:
ATTN: Compliance Officer
RE: Privacy Administration
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
- 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
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.
Accurate, private customer information helps us to provide superior
service to you. We may collect information about you from a variety of sources,
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 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
verify information for prompt credit approvals (meet customers’ immediate financial
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 email@example.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
using computer virus detection and eradication software on systems containing customer
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)
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
A cookie is a small text file that is stored on a user’s computer for
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
Tracking Technologies & Third Party Cookies
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
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
to our site in the aggregate to capture usage and volume statistics. Some of our
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.
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
firstname.lastname@example.org. 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.
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).
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
email@example.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
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:
ATTN: Compliance Officer
RE: Privacy Administration
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.