Financial companies choose how they share your personal information. Federal law gives members 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.
The types of personal information we collect, and share depend on the product or service you have with us. This information can include:
When you are no longer our member, we continue to share your information as described in this notice.
If you've used our Digital Banking service, we may have collected, used, and/or disclosed the following categories of Personal Information about you for our business purpose(s):
Digital Banking may also access functions of your device with your permission for use with certain features:
| Function | Permissions | Feature |
|---|---|---|
| Camera | Allow access to the device's camera | Mobile (Remote) Deposit |
| Location | Allows access to location | Maps |
| Access to External Storage | Allows access to files / media on the device | Secure Message Attachments |
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 member's personal information; the reasons Abound Federal Credit Union chooses to share; and whether you can limit their sharing.
| Does Abound Share? | Can you Limit This Sharing? | |
|---|---|---|
| For our everyday business purposes - such as to process your transactions, maintain your accounts(s), respond to court orders and legal investigations, or report to credit bureaus | Yes |
No |
| For our marketing purposes - to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates' everyday business purposes - information about your transactions and experiences | No | No |
| For our affiliates' everyday business purposes - information about your creditworthiness | No | We do not share |
| For nonaffiliates to market to you | No | We do not share |
| Digital information for enhanced use of Digital Banking and other auxiliary digital services | Yes | No |
We may collect Visitor Information in the following ways:
Directly from Users: We may collect personally identifiable information and sensitive personally identifiable information from Users if they voluntarily submit such information to us. Users can always refuse to supply personally identifiable information; however, refusing to provide personally identifiable information may prevent a User from engaging in certain Site-related activities or limit our ability to provide services.
Through Your Use of the Site, Cookies and Trackers: We automatically collect certain information when you visit, use or navigate the Site. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your Internet Protocol (IP) address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our and other technical information. This information is primarily needed to maintain the security and operation of our Site, and for our internal analytics and reporting purposes.
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Policy.
Like many businesses, we collect information through cookies and similar technologies. A cookie is a small data file that is written to a computer’s hard drive by a web browser. A cookie file can contain and/or automatically collect information, such as a user identification code or IP address that a website will use to track the pages and number of times you have visited. The data read from these cookies may be linked to personally identifying information and non-personally identifying information. We may collect and use non-personally identifying information to help us improve our services, customize your experience and analyze use of our services. This Policy does not limit our use or disclosure of collected non-personally identifying information. We reserve the right to collect, use and disclose such non-personally identifying information to our partners, advertisers and other third parties at our sole discretion.
We and our partners may use cookies and similar technologies on the Site to personalize and optimize your browsing experience by: providing you tailored content, enabling social media features, safeguarding against spam and malware, analyzing trends, traffic, and user behavior, administering the website, gathering demographic information about our user base as a whole, tracking web and advertising analytics throughout the Site, remembering preferences and voluntarily-submitted information (e.g. name, email), performing location-related functionalities and analytics, participating in market research (e.g., website ratings), and educating Peoples about how the Site can continue to be improved. You may turn off cookies in your browser or have your browser warn you before accepting cookies. If you choose to turn off cookies, you may not be able to experience all of the features on our Site.
Cookies fall into the subcategories below:
We may later associate the usage and other information we collect online with other information about you, as permitted or required by law. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you reject cookies, you may still use the Site but please note that blocking or disabling certain necessary cookies may limit your ability to use some parts of the Site.
Web Beacons: Our web pages may contain electronic images known as web beacons (invisible images often referred to as pixel tags or clear GIFs) on the Site in order to recognize users, assess traffic patterns, identify preferred content, and measure Site engagement. We may also include web beacons in our e-mail messages in order to count how many e-mail messages have been opened, for example.
Some of these web beacons may also be placed by third-party service providers to help determine the effectiveness of advertising campaigns. These web beacons may be used by third-party service providers to place a persistent cookie on your computer. This allows the service provider to recognize your computer each time you visit certain web pages and compiles anonymous information in relation to those page views, which in turn enables us and our third-party service providers to learn which advertisements bring you to our website and how you use the Site.
Log Files: Our servers log information about your IP address, your browser type, and the current URL you are requesting. This information is always provided by your browser and automatically logged. These log files are stored in a secure location and used in our internal analysis of traffic patterns.
Analytics: Services providing analytic tools (“Analytic Services”), which may include, without limitation Google Analytics®, may be used with the Site which transmits website traffic data to servers in the United States. Analytic Services do not collect personal information, identify individual users, or associate your IP address with any other data. We do not share any personally identifiable information with our Analytic Services in connection with their performing of any services on our Site. We use reports provided by Analytic Services to help us understand website traffic and webpage usage. Each of these services has their own Policy that you should refer to.
From Third Party Services: We may collect personally identifiable information and sensitive personally identifiable information about you from third parties whose privacy practices may differ from the practices described in this Policy. We do not make any representations or warranties concerning, and will not in any way be liable for, any informational content, products, services, software, or other materials available through third parties. Your use of third parties’ services and/or third party websites is governed by and subject to the terms and conditions of those third parties and/or third party websites.
We may collect and use Visitor Information for lawful business purposes: (i) as necessary for the performance of our contract with Users, (ii) for our legitimate interests, so long as they are not overridden by Users’ own rights and interests, or (iii) as required by law. These purposes include:
We will not collect additional categories of information or use information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Some content or applications, including advertisements, on the Site are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use the Site. The information they collect may be associated with your personally identifiable information or they may collect information, including personally identifiable information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.
We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.
We have adopted appropriate data collection, storage and processing practices and security measures to help protect against misuse, interference, loss, modification, unauthorized access, alteration, disclosure or destruction of your Visitor Information and data stored in connection with our business. Our measures include implementing appropriate access controls, investing in the latest information security capabilities to protect the IT environments we leverage, and ensuring we encrypt and anonymize personal data wherever possible. Access to your Visitor Information is only permitted among our employees and agents on a need-to-know basis and subject to strict contractual confidentiality obligations when processed by third parties. However, no data transmitted over or accessible through the internet can be guaranteed to be 100% secure. As a result, while we attempt to protect your information, we cannot guarantee or warrant that your information will be completely secure (i) from misappropriation by hackers or from other nefarious or criminal activities, or (ii) in the event of a failure of computer hardware, software, or a telecommunications networks.
Your information may be stored on servers owned and operated by Peoples and its affiliates or by other cloud/software service providers (“SaaS Services”) and located in the United States.Our SaaS Services are committed to using industry-standard physical, electronic, and organizational safeguards to protect information against loss or theft as well as unauthorized access and disclosure to protect individuals’ privacy and to employing security techniques to protect such data from unauthorized access.
We will only keep your Visitor Information for as long as it is necessary for the purposes set out in this Policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this Policy will require us to keep your personal information for longer than reasonably necessary.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible. We will actively review the personal data we hold and delete it securely, or in some cases, anonymize it when there is no longer a legal, business, or consumer need for it to be retained.
Abound Credit Union
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.
Abound Federal Credit Union tests its information security program and trains staff to ensure your personal information is protected.
Abound Federal Credit Union retains information in accordance with state and federal record retention laws. Please contact us at (800) 285-5669 to determine specific timeframes for your personal stored information and if that information may be deleted.
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Abound Federal Credit Union does not share with our affiliates.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Abound Federal Credit Union does not share information with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include insurance companies, card services providers, and other financial services companies.
Keeping your account information accurate and updated is very important. If you are a registered digital banking user, you may review and maintain your information by logging into the digital banking platform and selecting the "Settings & Alerts" link.
You can also request and/or update your information by visiting a branch or by contacting us at the Member Resource Branch (1-800-285-5669) or through one of the methods available here.
The Children's Online Privacy Protection Act of 1998 ("COPPA") restricts the collection, use, or disclosure of Personal Information from and about children under the age of 13 on the internet. Abound is committed to protecting the online privacy of the children who visit our Sites and complying with COPPA.
In general, our Sites are not directed to children under the age of 13 and we request that children under the age of 13 not provide Personal Information through the sites. We do not knowingly collect information from children under 13 without parental consent. Please visit the Federal Trade Commission website (www.ftc.gov) for more information about COPPA.
Our Site(s) may contain links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our Site(s) and to read the privacy statements of any other site that collects personally identifiable information.
