Mobile Privacy Policy Last Updated: 08/10/2022
New Hampshire 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 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.
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: marketing@nhfcu.org or by mail at:
New Hampshire Federal Credit
Union
70 Airport Road
Concord, NH 03301