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Angelina Federal Employees Mobile App PRIVACY POLICY

The AFECU app powered by Fiserv helps you control your credit and /or debit cards through your mobile device, making it easy to manage your finances on the go.

The app allows you to:

This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., under financial privacy laws), informs you of the policies and practices regarding the collection, use, and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”).

THE TYPES OF INFORMATION WE COLLECT IN THE APP

Through your use of the Services, we may collect personal information from you in the following ways:

  1. Personal Information You Provide to Us.

    • We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.

    • We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.

    • If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, to send you a reply.

    • We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.

  2. Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, to provide some of our Services.

  3. 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:

    • Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, LTE, 4G), and general location information such as city, state or geographic area.

    • Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.

    • Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser to help you navigate between pages efficiently, remember your preferences, enable functionality, and help us understand user activity and patterns.

    • Local storage technologies, like HTML5 and Flash, which provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.

    • Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.

    • Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, 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.

HOW WE USE YOUR INFORMATION COLLECTED IN THE APP

  1. General Use. In general, we use your personal information collected through your use of the Services to respond to your request as submitted through the Services, to provide you the Services you request, and to help serve you better. We use personal information, in connection with the App, in the following ways:

    • Facilitate the creation of, and secure and maintain your account

    • Identify you as a legitimate user in our system

    • Provide improved administration of the Services

    • Provide the Services you request

    • Improve the quality of experience when you interact with the Services

    • Send you administrative e-mail notifications, such as security or support and maintenance advisories; and send surveys, offers, and other promotional materials related to the Services.

  2. Compliance and protection. We may use your personal information to:

    • Comply with applicable laws, lawful requests, and legal processes, such as responding to subpoenas or requests from government authorities


    • Protect your, 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 polices

    • Enforce the terms and conditions that govern the Service: and

    • Prevent, identify, investigate/deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.

  3. 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 at our discretion.

DISCLOSURE OF YOUR PERSONAL INFORMATION

We disclose your personal information collected through your use of the Services as described below.

  1. By Our Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.

  2. 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 App, for the purposes described in this Privacy Policy, 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.

  3. 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.

  4. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

LINKS TO OTHER SITES

The App may contain links to third-party websites. When you click on a link to any other website or location, you will leave the App 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, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

YOUR CHOICES REGARDING YOUR INFORMATION

You have several choices regarding the use of information on the Services.

  1. 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 communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not act in response to these signals if and when a standard is established, we may revise its policy on responding to these signals.

  2. 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.

  3. Opting Out of Email or SMS Communications. If you have signed up to receive our email marketing communications, you can unsubscribe at 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 a notification by SMS, such as providing a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.

  4. Opting Out of Location Tracking. If you initially consented to the collection of geolocation information through the Services, you could 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 App.

SAFEGUARDS AND RETENTION

We implement reasonable administrative, technical, and physical measures 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.

A NOTE ABOUT CHILDREN

The Services are not directed towards individuals under the age of eighteen, and we do not, through the App, intentionally gather personal information about visitors who are under the age of eighteen. If a child under eighteen submits personal information to us through the App and we learn that the personal information is the information of a child under eighteen, we will attempt to delete the information as soon as possible.

PRIVACY POLICY UPDATES

This Privacy Policy 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 Policy 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 before the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgment of such changes.

CONTACT US

If you have questions or complaints about this Privacy Policy or the App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at afecu@afecu.net: or by mail at:

Angelina Federal Employees Credit Union

900 Pershing Ave

Lufkin, Texas 75904


This policy was reviewed and amended by the Board of Directors on June 18, 2024.

THIRD PARTY SITE DISCLAIMER - By accessing the noted link you will be leaving the AFECU website and entering a website hosted by another party. AFECU is not responsible for, the product, service or overall website content available at this third-party site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the AFECU website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of AFECU. CLICK OK TO CONTINUE OR CANCEL TO ABORT

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