Privacy Policy

This privacy policy describes our policies and procedures regarding the use of your data. It also tells you about your privacy rights and how the law protects you. We use your personal data to service your account with us.

Definitions

For the purposes of this Privacy Policy:

Account means your membership account or accounts with us.

Credit Union means Victoria Federal Credit Union.

Cookies mean small text files containing some data that are used to identify your browser.

Device means any device that can access our services such as a computer, a cellphone or a digital tablet.

Personal Data is any information that relates to an identified or identifiable individual.

You means the individual using our services by any means, including via a third-party, such as an interpreter.

Affiliates means companies related by common ownership or control. They can be financial and nonfinancial companies. Victoria Federal Credit Union has no affiliates.

Nonaffiliates means companies not related by common ownership or control. They can be financial and nonfinancial companies. We disclose to non-affiliated firms only for our everyday business purpose, to process transactions, maintain accounts, respond to court orders and legal inquiries, or report to credit bureaus.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

As part of servicing your account and assisting you, we will ask you to provide us with certain personally identifiable information that can be used to identify you. Personally identifiable information may include the following:

● Email address
● First name and last name
● Phone number
● Full Address

Usage Data

Usage Data is collected automatically when you use our website and when you access your account online.

Usage Data may include information such as your Device's internet protocol address (IP address), browser type, browser version, pages that you visit, time and date of usage, time spent on our systems or services, type device used, device unique ID, device operating system, unique device identifiers and other diagnostic data.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track activity on our website and online account system. Along with cookies, tracking technologies include scripts to collect and track information and to improve and analyze our systems.

You can configure your browser to refuse some or all Cookies or to indicate when a Cookie is being sent. However, if you do not accept our Cookies, you may not be able to use some or all our services.

We use persistent cookies and session cookies. Persistent cookies remain on your browser when you go offline, while session cookies are deleted as soon as you close your web browser.

Persistent cookies help us honor your preferences to provide you with a personalized experience.

Session cookies help us authenticate you and manage potential risk associated with fraudulent attempts to use our system.

Use of Your Personal Data

The Credit Union may use Personal Data for the following purposes:

● To provide and maintain our services to you, including to monitor the usage of our systems;

● To manage your account(s) with us;

● To contact you, including by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as via push notifications;

● To manage your requests to us;

● We may use your information for other general purposes, such as data analysis, identifying usage trends, to evaluate and improve your experience with us and to evaluate and improve our products and services.

We may share your personal information in the following situations:

● For our everyday business purposes, such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus;

● For our marketing purposes, to offer our products and services to you;

● For joint marketing with other financial companies;

● For our affiliates everyday business purposes, information about your transactions and experiences;

● For our affiliates everyday business purposes, information about your credit worthiness.

Retention of Your Personal Data

The Credit Union will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Credit Union will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our systems and services, or if we are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Credit Union's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of your state.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

The Credit Union will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Your Personal Data

Law enforcement

Under certain circumstances, the Credit Union may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Credit Union may disclose your Personal Data in the good faith belief that such action is necessary to:

● Comply with a legal obligation

● Protect and defend the rights or property of the Credit Union

● Prevent or investigate possible wrongdoing in connection with our systems

● Protect the personal safety of Users of the Service or the public

● Protect against legal liability

CardNav Alerts and Controls App

The Controls & Alerts App periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User’s selection. End Users can change their location permissions at any time in their device settings.

Children's Privacy

Our systems, products and services are NOT intended for anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from anyone under the age of 13 without verification of parental consent, we take steps to remove that information from our systems.

Links to Other Websites

Our services may contain links to external web services that are not operated by us.

The Credit Union is not responsible for any external web service. The Credit Union does not represent either the external third-party web service or member if the two enter into a transaction. Privacy and security policies of the external web service are different from those practiced by the Credit Union.

If you choose to follow a third-party link, you will be directed to that third party's web service. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over third party content and assume no responsibility for the content, privacy policies or practices of any third-party web services.

Changes to this Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, you can contact us:
info @ victoriafcu.org