Upstate Telco FCU Mobile Privacy Notice
Last Updated: August 2024
Upstate Telco FCU Mobile (the “App”), powered by Fiserv,
helps you manage your money, view your transactions and accounts, making it
easy to manage your finances on the go.
This Privacy Notice, in combination with 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 the app collects from or about users in
connection with our mobile application (the “Services”). You can find more information about our privacy
policies and your choices at our website or by contacting the credit union
office.
The app allows you to:
·
get real-time balances for your accounts
·
manage your money
·
view your transactions and statements
·
make transfers
·
deposit a check
·
manage cards
·
receive alerts
THE TYPES OF INFORMATION OUR MOBILE APP COLLECTS
The app may collect personal information from you in the following ways:
(a) Personal Information You or Your Financial Institution Provide
to us.
(b) 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:
HOW OUR MOBILE APP USES
YOUR INFORMATION
(a) General Use. In general, the app uses your personal
information to respond to your requests as submitted through the Services, to
provide you the Services you request, and to help serve you better. The app uses
your personal information in the following ways:
(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 its discretion.
DISCLOSURE OF YOUR PERSONAL INFORMATION
We disclose your personal information as described below.
(a) Other than as described in this Privacy Notice in connection
with the Services, this Privacy Notice 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, for the purposes described in
this Privacy Notice, 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) Corporate Restructuring. We may share some or all of
your personal information in connection with or during negotiation of any
merger, financing, acquisition or dissolution transaction involving the sale,
transfer, divestiture, or disclosure of all or a portion of our business
or assets. In the event of an insolvency, bankruptcy, or receivership, personal
information may also be transferred as a business asset. If our company,
business or assets is acquired by another company, that company will possess the
personal information collected by us and the company will assume the
rights and obligations regarding your personal information as described in this
Privacy Notice.
(d) 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 Services may contain links to third party websites. When you
click on a link to any other website or location, you will leave the Services
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, does not review, and cannot be responsible for, these outside websites or
their content. Please be aware that the terms of this Privacy Notice do not
apply to these outside websites. We encourage you to read the privacy notice 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 communications. 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 Services.
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.
Federal laws and regulations require that we retain original,
active and historical records. Your personal and financial data will be
retained for a period of five to ten years, depending on applicable laws,
regulations and legitimate business needs.
A NOTE ABOUT CHILDREN
The Services are not directed towards individuals under the age of
18, and we do not intentionally gather personal information about
visitors who are under the age of 18. If a child under 18 submits personal
information to us 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 NOTICE UPDATES
This Privacy Notice 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 Notice 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 (or use of the Services after any such changes)
shall indicate your acknowledgement of such changes.
CONTACT US
If you have any questions or complaints about this Privacy Notice
or The App’s data collection or processing practices, or if you want to
report any security violations to us, please contact us by email
at: contact@upstatetelcofcu.org or by mail at:
Upstate Telco FCU
137 Harrison Street
Gloversville, NY 12078
1-800-324-8870
1-518-773-6548