Acknowledgement and Acceptance of Terms
MCCI Decatur is committed to preserving, protecting, and respecting the privacy and security of your personal information and data. This Privacy Policy (“Policy”) summarizes our policies and processes for protecting the privacy of all personal information gathered from consumers, customers, potential customers, clients, potential clients and visitors to our website (“Website”). This policy explains when and how such information is collected, used and safeguarded. This Policy covers the Website of MCCI Decatur www.mccionline.com and all online forms contained on this Website used to collect personal information. It does not cover third-party sites that are linked to or from the Website. This Policy does not apply to other entities that we do not own or control. By using this Website, you are agreeing to the terms of this Policy. If you do not agree with any terms or practices described in this Policy, please exit from this Website. Various federal and state laws and regulations require personally identifiable and/or otherwise protected consumer information to be protected from unauthorized access and/or disclosure.
Collecting Personal Information
You can access our Website without providing us with any personal information. However, MCCI Decatur does collect personal information in various locations on our Website when you request specific information. We may collect information that can identify you (Personal Information). Such information includes your name, address, telephone number(s), account number and Social Security number or other identifying information.
Information We Collect
When you request information from our Website, such as detail or information regarding your account, we ask you to provide Personal Information to verify that you are a person to whom such detail can be provided.
In addition to the information you volunteer when you log in to our Website, we may also collect additional information as follows. Our server logs automatically collect information, such as your IP address, your browser type and language, and the date and time of your visit. This helps us to track user’s movements around our Website and understand trends. We may assign your computer one or more cookies, which collect information that tracks your use of our Website and enables us to customize our services. We may use this data in aggregate to better understand the needs and interests of visitors to our Website. This information is collected on an aggregated and anonymous basis.
Our primary goal in collecting the information described above is to provide you, the user, with a customized experience on our Website. By knowing a little about each user, we are able to deliver better service and more relevant contact to our Website users and visitors.
Cookies
A ”cookie” is a small amount of data that is sent to your browser from a web server and stored on your computer’s hard drive. We may use cookies to track non-personal information about our users (e.g. pages viewed, time spent on our Website, and the websites visited just before and just after our Website) for statistical and market research purposes. The information is collected on an aggregated and anonymous basis.
We use cookies to gather information about our Website users’ browser activities to improve our Website and better serve our Website users. We may use standard Internet tools, which collect information that tracks your use of our Website and enables us to customize our services. This information assists us in designing and arranging our web pages in a most user-friendly manner and to improve our Website to better meet the needs of our Website users and visitors.
Use of Personal Information
We will not disclose any Personal Information collected, except as described below: MCCI Decatur maintains adequate safeguards to prevent the improper use or disclosure of private information as defined in the Fair Debt Collection Practices Act (FDCPA), Gramm-Leach-Bliley Act (GLBA), Health Insurance Portability and Accountability Act (HIPAA) and their implementing regulations, and other applicable laws and regulations. Access to data that we hold on behalf of our clients is limited to individuals authorized by our clients and protected by individual secure login and password combinations. Otherwise, the provisions of this Policy are limited only by legal process, negotiated contract and the technical operation of the Website. Users who wish to contact MCCI Decatur may do so through by calling 217-423-3418.
Your information will not be sold, distributed, or disclosed to any other organization or entity without your consent or as is necessary to effectuate the transaction for which the data was provided to MCCI Decatur.
Use by MCCI Decatur
We use the information you provide so that we may provide you with information that you requested or that we believe will be beneficial to you. We may use your Personal Information to customize the content you see on our Website, facilitate your use of our Website, manage your account and your preferences, analyze use of and improve our Website and services, identify and protect against fraudulent transactions and other misuses of our Website and enforce our Terms of Use.
Disclosures Required by Law
We may disclose Personal Information when required by law or in the good faith belief that such action is necessary to conform to the requirements of the law or comply with and respond to legal process served on us.
Information Others May Collect
We do not allow third-party advertising companies or ad networks to display advertisements on our Website. We DO NOT provide any Personal Information to unauthorized third parties
Sharing information with Third Parties
We do not sell or trade any Personal Information about our customers, prospects, consumers or visitors to any third parties. We will not share your Personal Information with others, except as indicated below. We may share Personal Information with:
Service providers such as credit card payment processors performing services on our behalf;
Consumer reporting agencies (aka credit bureaus) regarding your payment history with us; and,
Law enforcement authorities in limited circumstances, such as preventing fraud and identity theft, protecting the safety of our users and complying with legal requirements, such as the Higher Education Act, the Family Educational Rights and Privacy Act, The Fair Credit Reporting Act, the Gramm-Leach Bliley Act, and their implementing regulations.
Opt Out
We may send certain messages on a periodic basis. If you wish to be removed from these messages you may do so at any time using the contact information provided on this website; however, certain messages may be required by law and will not have opt-out capabilities.
Your Choices
You may choose to:
- Not provide Personal Information, although that may result in your ability to obtain certain services or to use certain features of our Website;
- Delete or decline cookies by changing your browser settings, although if you do so, some of the features of our Website services may not function properly; and
- Review and update your Personal Information by contacting us at the address information below or, if you have an online account on our Website, by logging into that account.
Storage of Personal Information and Security
We take reasonable precautions to protect the Personal Information we collect from our Website users and visitors. When users submit Personal Information via the Website, the information is housed in a secure database. To prevent unauthorized access, maintain data accuracy, and ensure the appropriate us of information, we have put in place physical, administrative, technological and other security measures to safeguard and secure the Personal Information we maintain from unauthorized access, alteration, use or disclosure. MCCI Decatur uses industry standard technology, such as firewalls, in an effort to protect the confidentiality of your Personal Information. Moreover, only employees who need the information to perform their duties are granted access to your Personal Information.
While we strive to protect your Personal Information, you should know that information sent over the Internet, whether by email, or by using our online system and Website, is not necessarily secure against interception. Therefore, we cannot be responsible for such interception and cannot guarantee the security of such information.
No Guarantees
While this Policy states our standards for maintenance of Personal Information, and we will make efforts to meet them, we are not in a position to guarantee these standards. There may be factors beyond our control that may result in disclosure of Personal Information. As a consequence, we disclaim any warranties or representations relating to maintenance or nondisclosure of any Personal Information collected from Website users or visitors
Links to Third-Party Websites
Please be advised this Website may contain certain hyperlinks to other websites. Although these websites may have privacy policies, all of these websites and their privacy policies are independent of our Website and this Policy. We are not responsible for compliance with other websites’ privacy policies or data collection practices. You should review these privacy policies carefully before providing personal information to these websites.
Protection of Children’s Privacy
We understand the importance of protecting children’s privacy, particularly in an online environment. This Website is not designed to attract children under the age of thirteen (13).
Contact Us
If you have questions or suggestions about our Website, this Policy or our information practices, please contact us.
MCCI Decatur
PO Box 445
306 W Eldorado St
Decatur, Illinois 62522
Changes to Privacy Policy
We reserve the right to change the terms of this Privacy Policy at any time. Any updates to the Privacy Policy will be posted here and we urge you to check this site periodically to stay informed about any changes. Your continued use of this website constitutes your agreement to any updates to this Privacy Policy.