Northern
Redwood FCU (the “App”)– powered by Fiserv – helps you control your
credit and/or debit cards through your mobile device, making it easy to manage
your finances on the go.
The
App allows you to:
·
get
real-time balances for your accounts
·
manage
your money
·
view
your transactions and statements
·
make
transfers
·
pay
your bills and manage billers
·
deposit
a check
·
receive
alerts
·
manage
cards
This
Privacy Policy, in combination with other relevant privacy notices that we
provide to you (e.g., pursuant to financial privacy laws), inform you of the
policies and practices regarding the collection, use and disclosure of any
personal information that we and our service providers collect from or about
users in connection with the App’s website and mobile application (the “Services”).
THE
TYPES OF INFORMATION WE COLLECT IN THE APP
Through
your use of the Services, we may collect personal information from you in the
following ways:
(a)
Personal Information You Provide to Us.
- We may collect
personal information from you, such as your first and last name, address,
e-mail, telephone number, and social security number when you create an
account.
- We will collect
the financial and transaction information necessary to provide you with
the Services, including account numbers, payment card expiration date,
payment card identification, verification numbers, and transaction and
payment history.
- If you provide
feedback or contact us via email, we will collect your name and email
address, as well as any other content included in the email, in order to
send you a reply.
- We also collect
other types of personal information that you provide voluntarily, such as
any information requested by us if you contact us via email regarding
support for the Services.
(b)
Personal Information Collected from Third Parties. We may collect certain
information from identity verification services and consumer reporting
agencies, including credit bureaus, in order to provide some of our Services.
(c)
Personal Information Collected Via Technology. We and our service providers may
automatically log information about you, your computer or mobile device, and
your interaction over time with our Services, our communications and other
online services, such as:
·
Device
data, such as your computer’s or mobile device’s operating system type and version,
manufacturer and model, browser type, screen resolution, RAM
and disk size, CPU usage, device type (e.g., phone, tablet), IP address,
unique identifiers, language settings, mobile device
carrier, radio/network information (e.g., WiFi, LTE, 3G), and general
location information such as city, state or geographic area.
- Online activity
data, such as pages or screens you viewed, how long you spent on a page or
screen, the website you visited before browsing to
the Service, navigation paths between pages or screens, information
about your activity on a page or screen, access times, and duration of
access.
- Cookies, which
are text files that websites store on a visitor’s device to uniquely
identify the visitor’s browser or to store information or settings in the
browser for the purpose of helping you navigate between pages efficiently,
remembering your preferences, enabling
functionality, and helping us understand user activity and patterns.
- Local storage technologies,
like HTML5 and Flash, that provide cookie-equivalent functionality but can
store larger amounts of data, including on your device outside of your
browser in connection with specific applications.
- Web beacons,
also known as pixel tags or clear GIFs, which are used to demonstrate that
a webpage or email was accessed or opened, or that certain content was
viewed or clicked.
- Location
Information. If you have enabled location services on your phone and agree
to the collection of your location when prompted by the Services, we will
collect location data when you use the Services even
when the app is closed or not in use; for example, to provide our
fraud detection services. If you do not want us to collect this
information, you may decline the collection of your location when prompted
or adjust the location services settings on your device.
HOW WE USE YOUR INFORMATION COLLECTED IN THE
APP
(a)
General Use. In general, we use your personal information collected through
your use of the Services to respond to your requests as submitted through the
Services, to provide you the Services you request, and to help serve you
better. We use your personal information, in connection with the App, in the
following ways:
- facilitate
the creation of, and secure and maintain your account;
- identify
you as a legitimate user in our system;
- provide
improved administration of the Services;
- provide
the Services you request;
- improve
the quality of experience when you interact with the Services;
- send
you administrative e-mail notifications, such as security or support and
maintenance advisories; and
- send surveys,
offers, and other promotional materials related to the Services.
(b)
Compliance and protection. We may use your personal information to:
·
comply
with applicable laws, lawful requests and legal process, such as to respond to
subpoenas or requests from government authorities;
·
protect
our, your or others’ rights, privacy, safety or property (including by making
and defending legal claims);
·
audit
our internal processes for compliance with legal and contractual requirements
and internal policies;
·
enforce
the terms and conditions that govern the Service; and
·
prevent,
identify, investigate and deter fraudulent, harmful, unauthorized, unethical or
illegal activity, including cyberattacks and identity theft.
(c)
Creation of Non-Identifiable Data. The App may create de-identified information
records from personal information by excluding certain information (such as
your name) that makes the information personally identifiable to you. We may
use this information in a form that does not personally identify you to analyze
request patterns and usage patterns to enhance our products and services. We
reserve the right to use and disclose non-identifiable information to third
parties in our discretion.
DISCLOSURE
OF YOUR PERSONAL INFORMATION
We
disclose your personal information collected through your use of the Services as
described below.
(a)
In Accordance with Our Other Privacy Notices. Other than as described in this
Privacy Policy in connection with the App, this Privacy Policy does not apply
to the processing of your information by us or third parties with whom we share
information.
(b)
Third Party Service Providers. We may share your personal information with
third party or affiliated service providers that perform services for or on
behalf of us in providing the App, for the purposes described in this Privacy
Policy, including: to provide you with the Services; to conduct quality
assurance testing; to facilitate the creation of accounts; to optimize the
performance of the Services; to provide technical support; and/or to provide
other services to the App.
(c)
Authorities and Others. Regardless of any choices you make regarding your
personal information, The App may disclose your personal information to law
enforcement, government authorities, and private parties, for the compliance
and protection services described above.
LINKS
TO OTHER SITES
The
App may contain links to third party websites. When you click on a link to any
other website or location, you will leave the App and go to another site and
another entity may collect personal and/or anonymous information from you. The
App’s provision of a link to any other website or location is for your
convenience and does not signify our endorsement of such other website or
location or its contents. We have no control over, do not review, and cannot be
responsible for, these outside websites or their content. Please be aware that
the terms of this Privacy Policy do not apply to these outside websites. We
encourage you to read the privacy policy of every website you visit.
YOUR
CHOICES REGARDING YOUR INFORMATION
You
have several choices regarding use of information on the Services.
(a)
How We Respond to Do Not Track Signals. Some web browsers transmit “do not
track” signals to the websites and other online services with which your web
browser communicates. There is currently no standard that governs what, if
anything, websites should do when they receive these signals. We currently do
not take action in response to these signals. If and when a standard is
established, we may revise its policy on responding to these signals.
(b)
Access, Update, or Correct Your Information. You can access, update, or
correct your information by changing preferences in your account. For
additional requests, please contact us.
(c)
Opting Out of Email or SMS Communications. If you have signed-up to receive our
email marketing communications, you can unsubscribe any time by clicking the
"unsubscribe" link included at the bottom of the email or other
electronic communication. Alternatively, you can opt out of receiving marketing
communications by contacting us at the contact information under "Contact
Us" below. If you provide your phone number through the Services, we may
send you notifications by SMS, such as provide a fraud alert. You may opt out
of SMS communications by unlinking your mobile phone number through the Services.
(d)
Opting Out of Location Tracking. If you initially consented to the collection
of geo-location information through the Services, you can subsequently stop the
collection of this information at any time by changing the preferences on your
mobile device. Please note, however, that if you withdraw consent to our
collection of location information, you may no longer be able to use some
features of the App.
SAFEGUARDS
AND RETENTION
We
implement reasonable administrative, technical, and physical measures to
safeguard the information in our custody and control against theft, loss and
unauthorized access, use, modification, and disclosure. Nevertheless,
transmission via the Internet is not completely secure and we cannot guarantee
the security of your information.
A
NOTE ABOUT CHILDREN
The
Services are not directed towards individuals under the age of 18, and we do
not, through the App, intentionally gather personal information about visitors
who are under the age of 18. If a child under 18 submits personal information
to us through the App and we learn that the personal information is the
information of a child under 18, we will attempt to delete the information as
soon as possible.
PRIVACY
POLICY UPDATES
This
Privacy Policy is subject to occasional revision. We will notify you of any
material changes in its collection, use, or disclosure of your personal
information by posting a notice on the Services. Any material changes to this
Privacy Policy will be effective thirty (30) calendar days following notice of
the changes on the Services. These changes will be effective immediately for
new users of the Services. If you object to any such changes, you must notify us
prior to the effective date of such changes that you wish to deactivate your account.
Continued use of the Services following notice of any such changes shall
indicate your acknowledgment of such changes.
CONTACT
US
If
you have any questions or complaints about this Privacy Policy or The App’s
data collection or processing practices, or if you want to report any security
violations to The App, please contact The App by email at: info@northernredwoodfcu.org;
or by mail at:
Northern Redwood FCU
1270 Guintoli Lane
Arcata, Ca. 95521