Last Updated: November 23, 2025
1. Introduction
Big Horn Cooperative ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Customer Portal.
2. Information We Collect
Personal Information
We collect information that you provide directly to us, including:
- Name, email address, and phone number
- Customer account number and account information
- Billing and payment information
- Communication preferences (email/SMS notifications)
- Any information you provide when contacting customer support
Payment Information
When you save payment methods or make payments:
- Credit/Debit Cards: Card information is securely processed and stored by our PCI-compliant payment processor (Stripe). We store only the last 4 digits of your card for display and identification purposes.
- Bank Account (ACH) Details: We securely store your bank account information, including account number and routing number, to process ACH payments and AutoPay transactions. This information is encrypted both in transit (using TLS/SSL) and at rest (using industry-standard encryption algorithms).
- Security Measures: We implement strict access controls, database encryption, and regular security audits to protect your stored payment information.
- Due Diligence: We maintain compliance with banking regulations and payment industry standards. All stored bank account information is subject to the same security protocols as financial institutions use to protect sensitive data.
- Payment Processing: Bank account information is only used for authorized payment transactions and is never shared with third parties except as necessary to process your payments.
Note: While we take extensive measures to secure your payment information, you are responsible for safeguarding your portal login credentials to prevent unauthorized access to your saved payment methods.
Automatically Collected Information
When you use the Portal, we automatically collect:
- IP address and login timestamps
- Browser type and device information
- Pages visited and features used
- Failed login attempts for security purposes
3. How We Use Your Information
We use the information we collect to:
- Provide and maintain your customer account and Portal access
- Process payments and manage billing
- Send you important account notifications, statements, and receipts
- Respond to your inquiries and provide customer support
- Send AutoPay reminders and payment confirmations
- Detect and prevent fraud or unauthorized access
- Comply with legal obligations and enforce our terms
- Improve our services and develop new features
4. Email and SMS Communications
We may send you:
- Transactional emails: Account verification, password resets, payment receipts (always sent)
- Service notifications: AutoPay reminders, billing statements, account updates (requires opt-in)
- SMS notifications: Only sent if you explicitly opt in to text messaging
You can manage your email and SMS notification preferences in your profile settings at any time.
5. Information Sharing and Disclosure
We do not sell your personal information. We may share your information only in the following circumstances:
- Service Providers: With third-party vendors who perform services on our behalf (e.g., payment processing, email delivery)
- Legal Requirements: When required by law, subpoena, or legal process
- Business Transfers: In connection with a merger, acquisition, or sale of assets
- With Your Consent: When you authorize us to share your information
6. Data Security
We implement appropriate technical and organizational measures to protect your personal information, including:
- Encryption of data in transit and at rest
- Secure password storage using industry-standard hashing
- Regular security audits and monitoring
- Access controls limiting who can view your information
- Account lockout after failed login attempts
However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
7. Data Retention
We retain your personal information for as long as necessary to:
- Maintain your active customer account
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
- Maintain business records for accounting and tax purposes
8. Your Rights and Choices
You have the right to:
- Access: Request a copy of the personal information we hold about you
- Correction: Update or correct inaccurate information in your profile
- Opt-Out: Manage email and SMS notification preferences
- Account Closure: Request closure of your Portal account
To exercise these rights, please contact us using the information below.
9. Cookies and Tracking
We use cookies and similar technologies to:
- Maintain your login session
- Remember your preferences
- Analyze Portal usage and performance
You can control cookies through your browser settings, but disabling cookies may limit Portal functionality.
10. Third-Party Services
Our Portal integrates with third-party services:
These services have their own privacy policies and practices.
11. Children's Privacy
The Portal is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.
13. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
Your privacy and data security are important to us. We are committed to protecting your personal information and using it responsibly.