Online Privacy Policy

ONLINE PRIVACY POLICY

Union Square Credit Union regards your privacy and security with the utmost importance and is committed to safeguarding any information that you share with the Credit Union. In order to provide services, the Credit Union must obtain from you, certain personal information regarding your accounts and financial relationships. The Credit Union collects only such information as you knowingly provide to us or specifically authorize us to obtain on your behalf.  Union Square Credit Union, together with its subsidiaries and affiliates (“Union Square,” “Credit Union,” “we,” “us,” or “our”), strives to serve your needs and protect your information, including any information we collect about you.  

The Online Privacy Policy ("Policy”), in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), informs 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 website and mobile applications (collectively, “Sites”).  This Policy covers your interaction with Union Square Credit Union, its subsidiaries and affiliates, and companies or third parties engaged by Union Square and its subsidiaries and affiliates (“Service Providers”) when you visit and use any website or application owned by the Credit Union, or visit any other sites where we have indicated our Policy expressly applies, including but not limited to, our website at unionsquare.org and our mobile application.  

THE TYPES OF INFORMATION WE COLLECT 

We take your privacy seriously and are committed to safeguarding information about our members.  To learn more, visit the Your Online Security page.  If you inquire, apply for, or obtain a financial product or service with us, we will use and share that information in accordance with our Privacy Policy.  For a better experience while using our Sites, we may require you to provide us with certain personal information, including but not limited to:

a) Personal Information You Provide to Us. 

  • We may collect personally identifiable information from you, such as your first and last name, address, email, phone number, and social security number when you create an account.

  • We collect the financial and transaction information necessary to provide you with the Sites, including account numbers, payment card expiration dates, payment card identification numbers, verification numbers, and transaction and payment history.

  • If you provide feedback or contact us via email, we 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, 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 Sites, our communications, and other online services, such as:  

  • Device data, such as your computer 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), 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.  
  • Log data, which is information that your browser sends to us. This Log Data may include information such as your computer’s Internet Protocol ("IP") address, browser version, pages of our Sites that you visit, the time and date of your visit, the time spent on those pages, and other statistics.  
  • 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 the Site, 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 with small amounts of data that are commonly used to uniquely identify the 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. 
  • Local storage technologies, like HTML5, 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 device and agree to the collection of your location when prompted by the Sites, we collect location data when you use the Sites even when the applications are 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 COLLECTED INFORMATION 

a) General Use.  In general, we use your personal information collected through your use of the Sites to respond to your requests as submitted through the Sites, to provide you the services you request, and to help serve you better.  We use your personal information in connection with the Sites in the following ways. 

  • Facilitate the creation of, and secure and maintain your account. 
  • Identify you as a legitimate user in our Sites and systems. 
  • Process transactions and payments you request.  
  • Conduct analytics and research.  
  • Provide improved administration of the Sites. 
  • Manage your preferences.  
  • Provide and improve the products and services and Sites you request. 
  • Improve the quality of experience when you interact with the Sites. 
  • Send you administrative email notifications, such as security or support and maintenance advisories, and send surveys, offers, and other promotional materials related to the Sites.  
  • Respond to your requests and communications.  
  • Any other permissible purpose we may specifically disclose at the time we collect or you provide the information.  

b) Compliance and Protection.  We may use your personal information to conduct the following.  

  • Comply with applicable laws, lawful requests, and legal processes, 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 Sites. 
  • Prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.  

c) Creation of Non-Identifiable Data.  The Sites 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 requests and usage patterns to enhance our products and services.  We reserve the right to use and disclose non-identifiable information to third parties at our discretion.  

YOUR RESPONSIBILITY FOR ACCURATE INFORMATION

In accordance with your Account Agreement, you are responsible for keeping your information accurate and updated.  If you notice that your information is out-of-date or incorrect, please contact us immediately at 940-720-8000 or update your information through Union Square Online Banking.  You may also submit a request to update your information by writing to us at Union Square Credit Union, 1401 Holliday, Wichita Falls, TX, 76301. 

DISCLOSURE OF YOUR PERSONAL INFORMATION

We disclose your personal information collected through your use of the Sites as described below.  

a) In Accordance with Our Other Privacy Notices.  Other than as described in this Privacy Policy in connection with the Sites, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.  We do not sell your 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 Sites for the purposes described in this Privacy Policy, including the following. 

  • To facilitate our Service. 
  • To conduct quality assurance testing. 
  • To facilitate the creation of your accounts. 
  • To optimize the performance of the Sites. 
  • To provide technical support. 
  • To provide other services to the Sites.  

c) Authorities and Others.  Regardless of any choices you make regarding your personal information, the Credit Union may disclose your personal information gathered from the Sites to law enforcement, government authorities, and private parties for the compliance and protection services described above.    

LINKS TO OTHER SITES

The Sites may contain links to third-party websites.  When you click on a link to any other website or location, you leave the Site and go to another site, and another entity may collect personal and/or anonymous information from you.  The Sites’ 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 assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.  Please be aware that the terms of this Privacy Policy do not apply to these outside websites.  We strongly advise you to review the Privacy Policy of every website you visit.  

YOUR CHOICES REGARDING YOUR INFORMATION

You have several choices regarding the use of information on the Sites. 

a) Disable or Remove Cookies.  Cookies store your preferences while utilizing the Sites.  You may disable or remove cookies within your web browser settings.  In doing so, the Sites will still work; however, some functions may not work properly.   

b) 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 the policy on responding to these signals.  

c) 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 at 940-720-8000.  

d) Opting Out of Email or SMS Communications.  If you have signed up to receive our email marketing communications, you can unsubscribe at 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 Sites, we may send you notifications by SMS, such as providing a fraud alert.  You may opt out of SMS communications by unlinking your mobile phone number through the Sites. 

e) Opting Out of Location Tracking.  If you initially consented to the collection of geolocation information through the Sites, you can subsequently stop the collection of this information at any time by changing the preferences on your 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 Sites.

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.  

CHILDREN’S PRIVACY

The Sites do not address anyone under the age of 18. We do not knowingly collect personal identifiable information from children under 18 through the Sites without obtaining consent from a parent or legal guardian.  In the case we discover that a child under 18 has provided us with personal information, we delete it from our servers as soon as possible.  If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we are able to take the necessary actions. 

PRIVACY POLICY UPDATES

The Online Privacy Policy is subject to occasional revision.  We notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Sites.  Any material changes to this Privacy Policy are effective thirty (30) calendar days following notice of the changes on the Sites.  These changes are effective immediately for new users of the Sites.  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 Sites following notice of any such changes indicates your acknowledgment of such changes.  

CONTACT US

If you have any questions or suggestions about the Online Privacy Policy or the Sites’ data collection or processing practices, or if you want to report any security violations to the Sites, do not hesitate to contact us. 

Phone:  940-720-8000

Email: info@unionsquare.org

Mailing Address:

Union Square Credit Union
1401 Holliday
Wichita Falls, TX 76301