Online & Mobile Banking Privacy Policy
INTRODUCTION
Allegent Community Federal Credit Union, (collectively, “Allegent,” “we,” “our,” “us”) respect your privacy and strive to protect your identity and any information obtained as part of our Online and Mobile Banking Services
WHAT INFORMATION WE COLLECT
In addition to all other information and documentation you provide to us to verify your identity, prevent fraud, process transactions, manage preferences, and comply with applicable law and terms and conditions, when using our Online & Mobile Banking Services, we collect personal information about you such as the IP address and device identifier you are using to access our Online & Mobile Banking Services to perform analytics to improve our products and services and to provide added verification of your identity as well as security to your account.
WITH WHOM DO WE SHARE THE INFORMATION
We may share your personal information in accordance with our Privacy Policy, to enhance your experience when using Online & Mobile Banking Services, marketing purposes, and to meet legal and regulatory obligations.
WHAT WE DO WITH THE INFORMATION
We may utilize analytics software such as Google Analytics features as well as thirty-party vendors and cookies to report and optimize advertising experiences across any web-based platform you use to access Online & Mobile Banking Services. In addition, our use of cookies is essential for our website to function properly on your browser or device because they often provide authentication details that allow you to remain logged in. While you cookies require your authorization to function and you may opt-out at any time; if you disable all cookies, you may have issues with functionality or access to Online & Mobile Banking Services such that some features may not work properly.
Also, due to a lack of consistent standards across various browsers, our sites may not respond to “do not track” browser settings. However, we do not monitor any of your online activities after you leave our Online & Mobile Banking Services. And, while you may opt-out of the utilization of cookies, as explained above, you may not opt-out of sharing non-personal information such as IP address and device identifiers.
All documentation and information you share with us utilizing our Online & Mobile Banking Services is protected using strong industry standard encryption methods recommended for financial institutions. However, please note there is a serious risk of interception of any information sent outside of these methods such as sending an email from your home email servicer or posting a message to us through a social media website. Therefore, we recommend our secure messaging service. And, if you have security concerns or wish to discuss our methods of safeguarding your information, please call us at (412) 642-2875.
DATA RETENTION
The National Credit Union Administration and federal and state law require that we retain personal information for a certain period of time based upon the type of information. We comply with all regulations, laws, and guidelines required of any federal credit union and retain information based upon those standards. If you have a question about how long we retain information related to your personal information, please call us at (412) 642-2875 and we would be happy to discuss our records retention policies in greater detail.
THIRD PARTY SITES
We are not responsible for the content, practices, and policies of any non-Allegent website in which we advertise, any social media sites that display information, or any third-party service or affiliation utilized on our website. And, the utilization of any third-party service or link on our website to an external service or website does not constitute an endorsement by use of the content or any product, service, or program on that external website. Before providing any information, you should always review the policies and terms and conditions of any website or service you are utilizing. The terms and conditions of this Policy do not apply to any websites owned by other companies.
SERVICE PROVIDERS
We may have business relationships with other businesses believed to be reputable and trustworthy. As part of the due diligence we conduct when considering entering into these business relationships, we confirm the privacy policies and practices of each of our service providers is consistent with our own. In addition, during the course of the business relationship, we only provide our service providers with the information necessary for each to perform the services for which they were contracted and as part of our arrangements we require our service providers to utilize all standard security protocols that are customary of the services they provide.
LOCATION INFORMATION
If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, Allegent Mobile Banking will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want Allegent Mobile Banking to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
OTHER LOCATIONS
During the course of our normal business practices, your personal information and communications may be transferred to or maintained on servers or databases outside your state, province, or country. Please note regardless of where information is stored or located, even temporarily, unless contrary to applicable law, it is the intention of Allegent to follow the privacy and security polices, laws, and regulations required by the Commonwealth of Pennsylvania and the United States of America as well as best practices of federal credit unions of similar size. If you are accessing our Online & Mobile Banking Services from locations outside of the Commonwealth of Pennsylvania in the United States, you expressly consent to transfer of and storage of your data within the Commonwealth of Pennsylvania, subject to applicable law.
CHILDREN UNDER THE AGE OF 13
The Children’s Online Privacy Protection Act of 1998 (“COPPA”) restricts the collection, use, or disclosure of personal information from and about children under the age of 13 on the internet and internet-based platforms. While our Online & Mobile Banking Services are not directed to or intended to be used by any children under the age of 13, we are committed to protecting the privacy of any child and therefore request that children under the age of 13 not be permitted to utilize our Online & Mobile Banking Services and not provide any personal information through our Online & Mobile Banking Services. As such, any children under the age of 13 that identify themselves as such will not be permitted to open any accounts or create a profile for Online & Mobile Banking Services. However, during the normal course of the child’s accessing our Online & Mobile Banking Services, non-personal information such as domain names, dates and times of visit, page views may be collected as a matter of policy. However, we do not knowing collect, use, or disclose any personal information of any kind or nature from children under 13 without any parent prior approval or consent.
KEEPING YOUR INFORMATION ACCURATE
As part of our ongoing relationship and in order for us to best serve you and your needs, is essential for you to keep your information accurate and up to date. Please ensure that you review periodically information available on our Online & Mobile Banking Services, such as legal name, address, email address, and telephone number, to ensure that it is correct and complete. If you notice that any information is inaccurate or incomplete that you are not able to update on your own or have questions about some of the information provided by you, please contact us by sending a secure message through our Online & Mobile Banking Services, call us at (412) 642-2875, or visit a local branch.
CHANGES TO THIS POLICY
We reserve the right to update this Policy from time to time in accordance with updated standards and procedures as well as applicable law. All changes will be effective as of the date set forth on the top of the updated policy. Please check our website periodically for changes to our Privacy Policy as well as this Online & Mobile Banking Privacy Policy.
CALIFORNIA RESIDENTS
If you are a resident of the state of California and desire additional information on your rights under the California Consumer Privacy Act of 2018 as well as our policies related thereto, please contact us by sending a secure message through our Online & Mobile Banking Services, call us at (412) 642-2875, or visit a local branch.
CONTACT US
If you have any questions or concerns about this Policy, your personal information that may be shared with us, our use of that information, or any other matters related to your account, please contact us by sending a secure message through our Online & Mobile Banking Services, call us at (412) 642-2875, or visit a local branch.