Northeast Family Federal Credit Union - About Us - Privacy Notice Mobile App

Northeast Family Federal Credit Union

Mobile Application Privacy Policy

Northeast Family Federal Credit Union ("NFFCU," "we," "our", or "us") understands the importance of data privacy and protecting Your Personal Information. This Mobile Application Privacy Policy (“Privacy Policy”) describes how we collect, use, disclose, and otherwise process Your Personal Information in connection with our mobile banking application (the “App”), which helps You control Your credit and/or debit cards through Your mobile device, making it easy to manage Your finances on the go.

This Privacy Policy only describes our privacy practices with regard to Personal Information collected from and/or provided by You in connection with Your use of the App. For more information related to how NFFCU may collect and use Your Personal Information in connection with the services we may provide you, please reference our general privacy policy, located at: https://www.nefamily.coop/home/home/fiFiles/static/documents/Privacy_Notice.pdf

This Privacy Policy DOES NOT apply to information that:

We collect offline or on our website (nefamily.coop)
You provide to or is collected on a website owned or operated by NFFCU or a third party that You may access through the App.
You provide to or is collected by any third party. These third parties may have their own privacy policies, which we encourage You to read before providing information on or through them.

DEFINITIONS

For the purposes of this Privacy Policy:

"Account" means a unique account created for You to access the App or parts of the App.

"Personal Information" is any information that relates to an identified or identifiable individual, including but not limited to personally identifiable information, financial and payment information, authentication information, device location, and other sensitive device or usage data.

"Service Provider" means any natural or legal person who processes data on behalf of NFFCU. It refers to third-party companies or individuals employed by NFFCU to facilitate the App, to provide the App on behalf of NFFCU, to perform services related to the App, or to assist NFFCU in analyzing how the App is used.

"You" or “Your” means the individual accessing or using the App or that individual’s legal representative, or other legal entity on behalf of which such individual is accessing or using the App, as applicable.

THE TYPES OF INFORMATION WE COLLECT IN THE APP

Through Your use of the App, 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 available through the App, 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 App or related 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 available through the App.

(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 App and related 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 App, 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 mobile device and agree to the collection of Your location when prompted by the App, we will collect Your location information when You use the App; 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 App to respond to your requests as submitted through the App, 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 App and related services;
provide the services You request;
improve the quality of experience when You interact with the App and related 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 App and related 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 App and related services; 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 App 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 Personal Information by us outside of the App or third parties with whom we share information. For more information related to how NFFCU may collect and use Your Personal Information in connection with the services we may provide you, please reference our general privacy policy, located at: https://www.nefamily.coop/home/home/fiFiles/static/documents/Privacy_Notice.pdf

(b) Third Party Service Providers. We may share Your Personal Information with 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 App and related services; to provide technical support; and/or to provide other services related 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 App.

(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 the 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 mobile phone number through the App, 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 App.

(d) Opting Out of Location Tracking. If You initially consented to the collection of geo-location information through the App, 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

This App and related 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 our collection, use, or disclosure of Your Personal Information as set forth in this Privacy Policy by posting a notice on the App. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the App. These changes will be effective immediately for new users of the App. 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 App following notice of any such changes shall indicate Your acknowledgement of and agreement to 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 NFFCU by email at [email protected] ; or by mail at:

Northeast Family Federal Credit Union

PO Box 180

Manchester, CT 06045