Mobile Privacy Policy
What does ABEFCU do with your Personal Information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depends on the products or services you have with us. This information can include:
Social Security number and account balances.
Account transactions and checking account information.
Credit scores and payment history.
How?
All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reason ABEFCU Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
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.
Does ABEFCU share? Yes
Can you limit this sharing? No
For our marketing purposes – to offer our products and services to you.
Does ABEFCU share? Yes
Can you limit this sharing? No
For joint marketing with other financial companies.
Does ABEFCU share? Yes
Can you limit this sharing? No
For our affiliates’ everyday business purposes – information about your transactions and experiences.
Does ABEFCU share? Yes
Can you limit this sharing? No
For our affiliates’ everyday business purpose – information about your creditworthiness.
Does ABEFCU share? No
Can you limit this sharing? No
Questions? Call 516-763-7502
Who We Are
Who provides this Notice?
ABEFCU
What We Do
How does ABEFCU protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does ABEFCU collect my personal information?
We collect your personal information, for example, when you:
Open an account or deposit money
Pay your bills or apply for a loan
Use your credit or debit card
We also collect your personal information from other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
Sharing for affiliates’ everyday business purpose – information about your creditworthiness.
Affiliates from using your information to market to you.
Sharing for non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies. ABEFCU has no affiliates.
Non-Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Non-affiliates ABEFCU shares with can include car financing or leasing companies, mortgage companies, insurance companies, direct marketing companies, credit card companies, and non‐profit organizations.
Joint Marketing
A formal agreement between non‐affiliated financial companies that together market financial products or services to you.
ABEFCU joint marketing partners can include car financing or leasing companies, mortgage companies, insurance companies, direct marketing companies, credit card companies, and non‐profit organizations.
Can I request to have my data deleted when I will no longer user this app?
Yes, calling 800-598-0128
Terms and Conditions
Online Services
The term “Online Services” refers to this Website and any online or mobile service or services maintained or controlled by ABEFCU. By accessing ABEFCU’ Online Services, you accept and agree to be bound and abide by these Terms and Conditions.
Changes
ABEFCU may revise and update these Terms and Conditions from time to time at our sole discretion. All changes are effective immediately upon posting and apply to all access to and use of any Online Services thereafter. Your continued use of any Online Services following the posting of any revision means that you accept and agree to the changes made by ABEFCU. You are expected to review these Terms and Conditions and informed of any changes, as they are binding on you.
Third-Party Sites and Services
Online Services may contain links to other sites, resources, or services offered or provided by third-parties (non-affiliates of ABEFCU). ABEFCU disclaims all liability for any information, materials, products, or services posted or offered by any third-party, nor is ABEFCU liable for any failure of products or services offered or advertised by any third-party. Such third-parties may have terms and conditions, notices, policies, and practices different from that of ABEFCU. If you access any third-party sites, resources, or services linked to ABEFCU’ Online Services, you do so entirely at your own risk.
Disclaimer of Warranties
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED “AS IS”, “AS AVAILABLE” BASIS. ABEFCU DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.
Limitation on Liability
IN NO EVENT WILL ABEFCU BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH ANY ONLINE SERVICE(S) OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION, OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF ABEFCU, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES.
What Information Do We Collect?
Information we collect may be one of two types: Personal Information and Other Information, including Aggregate Data and Anonymous Data
Personal Information means personally identifiable information such as information provided primarily by you through forms, applications or other online fields including name, postal or email addresses, telephone, mobile numbers, account numbers, usernames and passwords. We may also collect social security numbers, driver’s license numbers and other personally identifiable information when you provide such information while using our online services and where we believe it is reasonably required for ordinary business, including in connection with an application for employment or other recruiting purposes.
Other Information is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, as well as Aggregated Data and Anonymous Data. Aggregated Data and Anonymous Data is data that we may create or compile from various sources, including but not limited to accounts and transactions. This information, which does not identify individuals or individual account holders, may be used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.
With Whom Do We Share the Information We Collect?
We may share your Personal Information with any affiliates and third parties in accordance with the practices set forth in our Consumer Privacy Policy. We do not and will not sell your Personal Information. We may use or share information to enhance your experience on our sites, to help target internet ads on our and third-party websites, deliver ads to your browser, and to measure advertising campaign effectiveness. We may also share your information as required to meet legal and regulatory obligations.
How does ABEFCU Gather, Use & Share Information That We Collect Online?
We, and our third-party service providers, may collect information about you through the Online Services including information about your devices, carrier, and location information. This information is collected and analyzed to assist with fraud detection and for other security purposes to keep your account safe, and to enhance our ability to optimize and personalize your online experiences. We may also gather additional information when you initiate a transaction.
Information collected may include:
⦁ Your IP address (the numeric address assigned to your device you are using to access our service)
⦁ The hardware and browser information of your devices
⦁ Data such as the date and time you accessed our services,
⦁ Your physical location transmitted to us when you log in or request information through the mobile application,
⦁ Your activities during your visit.
Through your use of our Online Services, we may collect information about your device such as the device model, and the name and version of the operating system and browser. This information will be retained by ABEFCU for as long as needed but will only be used for the limited purposes stated within this Policy.
Online Tracking and Advertising on Third Party Sites
We and third-party providers acting upon our behalf use a variety of tools and technologies to collect information when you visit or use our online services, including device data. We use these tools to collect information for debugging, fraud prevention, session management, and other necessary purposes. We also use these to conduct personalization, analytics, and targeted advertising. We may associate this tracking data with your digital banking account if you have one.
These tools include:
⦁ Navigating your browser or device: Certain information is collected by most browsers and/or through your device, such as your IP address, device type, operating system version and internet browser type and version. We use this information to ensure Sites function properly, for fraud detection and prevention, and security purposes.
⦁ Using cookies: Cookies are pieces of information that we store directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the Site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the Site to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the Site and to assist us with resolving questions regarding the Site. We also utilize cookies for advertising purposes. Please see the Advertising section below for more information. You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services. For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on. You also may not receive tailored advertising or other offers from us that may be relevant to your interests and needs.
⦁ Other technologies including pixel tags, web beacons, and clear GIFs: These may be used in connection with some Site pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, to compile statistics about usage and response rates, to personalize/tailor your experience while engaging with us online and offline, for fraud detection and prevention, for security purposes, for advertising, and to assist us in resolving account holders’ questions regarding use of our Site. Please see our Advertising section below for more information regarding our use of other technologies.
⦁ IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, to personalize/tailor your experience while engaging with us online and offline, for compliance and security purposes, for advertising, and administering the Site. Please see the Advertising section below for more information.
⦁ Mobile Applications: ABEFCU’s Mobile Applications for client accounts (“Mobile Applications”) allows you to access your account balances and perform certain functional transactions. This Notice applies to any Personal Information or Other Information that we may collect through the Mobile Applications. Some mobile devices come with a non-permanent advertising identifier or ID which gives companies the ability to serve targeted ads to a specific mobile device. In many cases you can turn off mobile device ad tracking or you can reset the advertising identifiers at any time within your mobile device privacy settings. In addition, if you have enabled location services on your mobile device, we may collect geolocation data from your device or contact information. You may also choose to turn off location tracking on your mobile device. By turning off ad tracking or location tracking on your mobile device, you may still see the same number of ads as before, but they may be less relevant because they may not be based on your interest.
⦁ Advertising on third party sites and mobile apps
ABEFCU contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. These companies use non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over, hardware/software information, cookie and session ID) and personally identifiable information (e.g., static IP address) during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you or advertising-related services, such as ad delivery, reporting, attribution, analytics, and market research. These parties typically use a cookie, web beacon or other similar tracking technologies to collect this information. Third Party sites and mobile apps are not subject to ABEFCU’s Privacy Notices. You should visit the individual sites and mobile apps for additional information on their data and privacy practices and opt out policies.
Location Tracking
Based upon your device and application setting, we may track your physical location. This information may be provided to mapping applications to assist you in locating nearby branches and ATMs and to provide you with relevant offers. Your location data will be retained by ABEFCU for as long as needed but will only be used for the limited purposes stated within this Policy.
Security Measures
We have implemented strong security to protect you and your accounts. We use encryption technology to help ensure that information is always passed to ABEFCU securely. We encourage the use of strong passwords. We use one-time passwords via authenticator app, text messages or email to provide a second layer of security. Please never share your passwords or one-time tokens and we will never ask you for them.
We restrict access to nonpublic personal information about you to those employees who need to know the information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal, state and industry requirements to protect the security of your nonpublic personal information. Procedures exist to ensure that member financial information is accurate, current, and complete. Our staff responds to requests to correct inaccurate information in a timely manner.
Data Sharing
Although we do not share your Personal Information with nonaffiliated third-party companies except as provided by our Consumer Privacy Policy, we are aware that you may choose to do so to use their services. For example, you may have authorized some third-party companies to access your Personal Information and account data to offer financial information and services such as: account aggregation (consolidating your financial account information from different sources), making payments via a website or mobile application, and tax preparation. Because these third-party companies have access to your Personal Information and account data and may use your account sign in credentials in order to provide the service, we recommend you use caution when granting such access to third-party companies. Some of these third-party companies may use other companies to assist them with providing services or with accessing your Personal Information or account data. Any one or all of these companies may be storing your Personal Information or account data. ABEFCU is not responsible for the use or disclosure of any Personal Information or account data accessed by or on behalf of any company or person to whom you provide your ABEFCU sign in credentials or account information. We do not control the privacy, security, or accuracy of your information that may be held by these third-party companies, which are governed by the third-party’s privacy policy and data security program. We are also not responsible for any fees associated with these third party services. When you provide your sign in credentials to your ABEFCU accounts to a third party, you will be deemed by us to have authorized all transactions or actions initiated by that third party using the access information you provided, whether or not you are aware of the specific transaction or action. If you decide to revoke the access authority you previously gave to a third party, we strongly recommend that you change your ABEFCU password to ensure that the party cannot continue to access your account. For security and other reasons, ABEFCU reserves the right to block or disable third-party access to any account without notice.
Keeping Your Information Accurate
It is important that we have accurate and up-to-date information about you. If you notice that your information is incomplete, inaccurate, or out of date, please contact us at (516) 763-7502 or visit a branch. You can also review and request changes to certain Personal Information such as your email address, mailing address, and telephone number on our Sites.
Changes to Online Privacy Policy
ABEFCU reserves the right to amend this Policy from time to time without prior notice. Please review it periodically. We may change this Online Privacy Policy in the future. When we do, we will revise the “Last Updated” date at the top of this Notice and post the revised notice on our website. This Online Privacy Policy was last updated and became effective on the date posted at the top of this page. Your use of the Site following these changes means that you accept the revised Notice.