2400 Bing Miller Lane
Urbana, IA 52345

Mailing address:
PO Box 248
Urbana, IA 52345
319-443-4359 (fax)
877-850-4343 (tollfree)

Privacy Policy
This privacy policy describes the fair information practices that govern the collection, maintenance, use, and disclosure of personal information on the web site provided by East-Central Iowa Rural Electric Cooperative.

Collection Practices
Like most other web sites, East-Central Iowa Rural Electric Cooperative, (“East-Central,” “We,” or “Us”) maintains web logs that automatically record basic, non-personal information about visitors. This information consists of: IP address, type of browser and operating system, date and time of access, pages visited, and referring/exit pages. We typically only use web log information in aggregate form to help make the web site more useful. We like to know which features are popular and how visitors locate the site. Web logs may be used to identify visitors who seek to damage the web site, use the web site in unauthorized ways, or interfere with operations. Information about users who try to engage in any unapproved activities may be shared with law enforcement agencies.

Member Privacy and Confidentiality
As we continue to improve and expand our services and delivery channels, we recognize our customers’ needs and desire to preserve their privacy and confidentiality. East-Central recognizes the trust you have placed in us and are committed to safeguarding the privacy of our customers’ information.

The Information We Collect
We receive and retain information about our customers through many sources:
• Applications or other forms
• Your transactions with use, our affiliates or others
• A consumer-reporting agency

The Way We Use Information
We limit the use and collection of nonpublic personal information to that which is necessary to maintain and administer financial services. We do not share this information with outside parties unless:
• The information is provided to help complete a customer initiated transaction (such as credit reporting agencies, document processing companies, etc.)
• The customer has requested it
• The disclosure is required by law (e.g., subpoena, investigation of fraudulent activity, etc.); or
• The disclosure is required by banking regulation (e.g., Fair Lending Reporting Act, Home Mortgage Disclosure Act)
When customer information is provided to any of the third parties mentioned, that third party must agree to adhere to privacy principles that provide for keeping such information confidential.

Limiting Employee Access to Information
East-Central limits employee access to customer information to those with a business reason for knowing such information. All of our employees are educated on the importance of confidentiality and customer privacy. Any employee that violates the financial privacy of our customer will be subject to appropriate disciplinary measures.

Protection of Information via Established Security Procedures
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriated physical, electronic, and managerial procedures to safeguard and secure the information.

Maintaining Accurate Information
We have established procedures so that our customers’ financial information is accurate, current and complete in accordance with reasonable commercial standards. East-Central will respond to requests to correct inaccurate information in a timely manner.

At East-Central, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy.

E-mail and Web Forms
If you use the web site to send an e-mail to request information, or if you provide personal information through the web site in any other way, East-Central collects and may maintain the information that you provide. Your information may be shared among East-Central staff and others as necessary to respond to you. Routine e-mail sent to us through this web site or otherwise is not necessarily secure against interception. If your communication contains personal information that you consider sensitive, you may not want to use e-mail.

Links to Other Sites
This web site contains links to other sites, some of which are not owned or controlled by East-Central. Please be aware that we are not responsible for the privacy practices of such other sites. This privacy policy applies only to this web site.

Security and Data Quality
We maintain this web site and its content with appropriate safeguards to protect against loss, misuse, etc. We are committed to taking prudent steps to ensure that the information we maintain about users is accurate. However, no computer system can ever be fully protected against every possible hazard. We provide reasonable and appropriate security to protect against foreseeable hazards.

Changes in this Privacy Policy
We reserve the right to modify this privacy policy at any time, so please review it periodically. We will post any such changes here and possibly in other places that we deem appropriate so that you are aware of the changes.

No Unlawful Use of Web Site
As a condition of your use of the East-Central Web Site, you warrant to East-Central that you will not use the East-Central Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the East-Central Web Site in any manner which could damage, disable, overburden, or impair the East-Central Web Site or interfere with any other party's use and enjoyment of the East-Central Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the East-Central Web Site.

Questions, Access, and Disputes
If you have any questions about this privacy policy, you may send an e-mail to