Community Financial Services
Federal Credit Union Mobile App Privacy Policy
Community Financial
Services FCU 149 East St. George Avenue
Roselle, NJ 07203
Last Updated May 2024
The Community Financial Services Federal
Credit Union Mobile
App (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 computers 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., Wi-Fi, 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 / 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 act 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 in an effort
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 acknowledgement of such changes.
Community Financial Services Federal
Credit Union may limit access
to services in the
event of account activity or system use in violation of these terms and all
agreements associated with accounts at the Credit Union.
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: Admin@cfsfcu.com; or by mail at:
Community Financial Services Federal
Credit Union 149 East St.
George Avenue, Roselle, NJ 07203