Online Privacy Notice
Abound Federal Credit Union (Abound) takes your privacy seriously, and it is important to us. We conduct regular assessment reviews and abide by strict privacy standards to ensure that the personal information (information that identifies a particular person) we collect, use, and share is protected. This Online Privacy Notice (Notice) covers your interaction with Abound and third parties engaged by Abound to render online services when you visit any website or application that we own, including, but not limited to, our website (aboundcu.com) and our Mobile Application (Services). It describes categories of personal information that we collect about you when you interact with us through our websites and Mobile Application (App) through your computer, smartphone, tablet, or other mobile device. This Notice is intended to supplement the disclosures in any Privacy Policy or Notice that you have already been presented by us in connection with other services or online banking.
All persons whose personal information is either collected, received, possessed, stored, or handled by Abound who use the Services are covered under this Notice.
The terms "Abound", "we", "us", or "our" in this Notice refers to banking and non-banking U.S. affiliates or subsidiaries of Abound that are linked or referenced in this notice.
By using our websites and App, you agree to the terms and conditions of this Notice. Abound works with third party providers who are contractually obliged to comply with our policies to protect information. If you visit or access one of these third-party provider sites or apps, please ensure that you fully review their online privacy practices of that site or mobile app to better understand the specifics of how your online personal information may be collected, used, or shared.
All persons whose personal information is either collected, received, possessed, stored, or handled by Abound who use the Services are covered under this Notice.
The terms "Abound", "we", "us", or "our" in this Notice refers to banking and non-banking U.S. affiliates or subsidiaries of Abound that are linked or referenced in this notice.
By using our websites and App, you agree to the terms and conditions of this Notice. Abound works with third party providers who are contractually obliged to comply with our policies to protect information. If you visit or access one of these third-party provider sites or apps, please ensure that you fully review their online privacy practices of that site or mobile app to better understand the specifics of how your online personal information may be collected, used, or shared.
TYPES OF INFORMATION WE COLLECT
Through your use of the Services, we may collect information about you in the following ways:Personal Information You Provide to Us
- We will collect the financial and transaction data necessary to provide you with the Services, including account numbers, verification numbers, payment card identification and expiration date, date of birth, login identification, password, and transaction and payment history.
- When you enter data to apply for new products or services or when you use our products and services, we may collect personal information from you, such as your first and last name, home or other physical address, email, telephone number(s), Social Security number, income, and other information related to a loan application. For loan applications secured by a dwelling, we may collect government monitoring information such as age, ethnicity, gender, marital status, and race as required by the Equal Credit Opportunity Act.
- If you contact us via email or secure message, we will collect your name and email address, as well as any other content included in the email or secure message, in order to send you a reply.
- We also collect other types of personal information that you provide to us voluntarily, such as any information requested by us if you contact us via email or secure message regarding support for the Services.
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.
Personal Information Collected Via Technology
We and our service providers may automatically log information about you, your computer, tabley, or mobile device, and your interaction over time with our Services, communications, and other online services, such as:
- Device Data, such as your computer, tablet, or mobile device's:
- Unique Device Identifier (like Internet Protocol (IP) address, Media Access Control (MAC) Address)
- Browser Type, version, language, and display settings
- Internet Service Provider
- Device type
- We may also access the following functions on your device:
- Your mobile device or tablet’s camera (only if you choose to submit images to remote deposit checks via the App)
- Biometrics or facial recognition (only if you choose to allow this for ease of login to the App)
- External Storage/Document Files (only if you choose to send documents via our secure message portal to share information with Abound)
- Online activity data, such as:
- Information about how you interact with our sites and/or App (for example pages visited, links clicked, unique measurable patterns like swipes and gestures, access times and duration of access)
- Responses to advertisements or polls where we advertise
- Cookie information and other similar technologies
- Error Log information such as your activity and queries in the App or Online Banking website.
- Location information: If you have enable location services on your device and agree to the collection of your location when prompted by the Services, we collect your location information when you use the Services. We use this information 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.
TYPES OF DATA WE DO NOT COLLECT
We do not collect the following types of data:- Body Sensors and Health Information
- Calendar or Appointment Information
- Calling
- Contacts
- Conversations
- Microphone or Audio
- Private Messages
- Text or SMS Messages
HOW WE USE AND SHARE PERSONAL INFORMATION
Abound may utilize information provided to us by you through the Services to:- Facilitate our Services
- Maintain your ability to access the Services
- Send information to you about the Services
- Effect, administer and enforce transactions
- Perform fraud screening
- Prevent actual or potential fraud and unauthorized transactions
- Verify your identity
- Comply with applicable laws, lawful requests, and legal processes, such as responding to subpoenas or requests from government agencies
- Protect our, your and other's 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 Services
Abound values your trust in providing us with your personal information, and we work hard to protect this information. We do not publicly disclose any of your personal data that we collect. When you enter sensitive information into our website or App, we encrypt the transmission of that information using commercially acceptable means such as Secure Socket Layer Technology (SSL).
Protecting your device is equally important. Ensure that you lock your mobile device to protect unauthorized us of the App.
DISCLOSURE OF YOUR PERSONAL INFORMATION
We disclose your personal information collected through your use of the Services as described below:- In Accordance with Our Privacy Policy: Other than as described in this Notice in connection with our website and App, this Notice does not apply to the processing of your information by us or third parties with whom we share information.
- 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 website and App, for the purposes described in this 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 website and App. We do not allow these third parties to use your personal information to market other products and services directly to you.
- Authorities and Others: Regardless of any choices you make regarding your personal information, the website and App may disclose your personal information to law enforcement, government authorities, and private parties for the compliance and protection services described above.
YOUR CHOICES REGARDING YOUR INFORMATION
You have several choices regarding the use of information on the Services:- Access, Update, or Correct Your Information: You can access, update, or correct your information by changing preferences on your account. For additional information, please contact us.
- Opting Out of Email or Text Communications:
- You can unsubscribe to email marketing communications at any time by clicking on the “unsubscribe” link at the bottom of the email. You can also opt out of receiving marketing emails by contacting us.
- You can subscribe to email and text notifications within Online Banking or the App about your account balances and other activity. You may make changes to these notification settings at any time.
- Opting Out of Location Tracking: If you initially consented to the collection of location information through the Services, you can stop the collection of this information at any time by changing the preferences on your mobile device.
DATA RETENTION
We may retain, protect, use, and share personal information about you if it is reasonably required for the purposes described in this Notice and as required by law, including but not limited to for risk management, regulatory compliance, and audit purposes.MARKETING TO MINORS
Abound does not knowingly collect information from or about individuals under 18 years of age. Please do not submit such information to us, and as a parent or legal guardian, please do not permit your children to submit personal information without your express permission and consent.To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission’s website.
ONLINE PRIVACY NOTICE UPDATES
This Notice is subject to change. We update this Notice as needed to comply with the most recent federal and local laws. We will notify you of any material changes in our collection, use, or disclosure of your personal information by posting a notification on the Online Banking website and the App. Any material changes to this Notice will be effective thirty (30) calendar days following notification of the changes. These changes will be effective immediately for new users. If you object to any of such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your Online Banking account. Continued use of the Services following notification of any such changes will indicate your acknowledgement of such changes. If we make any changes to this Notice, the “Last Updated” date on this page will be revised.CONTACT US
If you have any questions or complaints about this Notice or wish to provide updates or corrections to information about you, you may contact us through the secure messaging section of the Services, call us at 800.285.5669, or by mail:Abound Credit Union
PO Box 900
Radcliff, KY 40159
Last Updated: June 8, 2023