ONLINE PRIVACY & SECURITY
This Online Privacy Policy ( Policy) applies to this Public Service Credit Union online interface (i.e., website or mobile application) and any Public Service Credit Union affiliate or subsidiary online interface that links to this Policy, (each, a Site, and, collectively, Sites). The term “Public Service Credit Union” or “we” or “us” or “our” in this Policy refers to affiliates or subsidiaries of Public Service Credit Union that link to this Policy. This Policy describes how Sites may collect, use and share information from or about you, and explains how information may be collected and used for advertising purposes.For account holders and visitors to this Site, we will use and share any information that we collect from or about you in accordance with the Public Service Credit Union Privacy Notice, which provides choices in the use and sharing of information. By using the Site, you agree to the terms and conditions of this Policy.
USA Patriot Act
To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
The Children’s Online Privacy Protection Act
(COPPA) was passed by Congress in October 1998, with a requirement that the Federal Trade Commission (FTC) issue and enforce rules concerning children’s online privacy. The primary goal of the Act and the Rule is to place parents in control over what information is collected from their children online. Public Service Credit Union does not knowingly collect, nor is our web site designed or directed to use personal information from children under the age of 13 without containing verifiable consent from their parents.
Internet Cookies
To provide better service and a more effective web site, the credit union may use cookies as part of our interaction with your Internet browser. A cookie is a small text file placed on your hard drive by our web page server. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses or capture your e-mail address. Cookies are commonly used on web sites and do not harm your system.We may use cookies in places where you may need to register, such as online banking, or where you are able to customize the information you see. Recording a cookie at such points makes your online experience easier and more personalized. We may also use cookies to identify what sections of our site our members visit most so we can continue to provide information on the products and services in which our members have demonstrated an interest. These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your email address. By configuring your preferences or options in your Internet browser, you can control if and how a cookie will be accepted.
Third Party Websites
Public Service Credit Union hosts several links to third party vendors on their website in hopes of providing quick and easy access to information related to your financial needs. Please keep in mind the following statements when accessing third party vendors:
-The member is leaving the credit union’s website
-The member is linking to an alternate website not operated by the credit union
-The credit union is not responsible for the content of the alternate website
-The credit union does not represent either the third party or the member if the two enter into a transaction
-Privacy and security policies may differ from those practiced by the credit union
Collecting and Using Information
Personal Information We Collect Online
Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers. We will never ask for confidential information, including requests that you provide electronic banking credentials, in an unsolicited email or phone call.
How We Use Personal Information
We may use Personal Information:
-To respond to your inquiries and fulfill your requests
-To inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information
-To deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you
-To personalize your experience on the Site
-To allow you to apply for products or services (e.g., to prequalify for a mortgage, apply for a credit card, or to open a retirement account, investment account or other financial product) and evaluate your eligibility for such products or services
-To verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information
-To allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared
-To allow you to use some Site financial planning tools. Information that you enter into one of these planning tools may be stored for future access and use. You have the option not to save the information
-Collected through our social media pages and other online interactions with you to assist in verifying your identity and account status. We may combine this online information with information collected from offline sources or information we already have
-For business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns
-For risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements
-To allow you to utilize features within our Sites by granting us access to information from your device such as contact lists, or geo-location when you request certain services
Opting Out And Your Privacy Rights
To learn more about or opt-out of interest-based advertising, please visit the industry opt-out pages operated by the Network Advertising Initiative and by the Digital Advertising Alliance To obtain more information and/or to opt-out of personalized advertising for Google and its partners sites, use the following link: http://adssettings.google.com. Please note, even if you opt-out of interest based advertising, you may still see other kinds of non-interest based advertising from us.
BIOMETRIC INFORMATION PRIVACY POLICY AND CONSENT
Scope and Overview
This policy outlines how Public Service Credit Union, its vendors, and/or the licensor of the Public Service Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.
Biometric Data Defined
As used in this policy, biometric data includes “biometric identifiers” and “biometric information”. “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a “biometric identifier.” “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.
Disclosure and Authorization Policy
To the extent that Public Service Credit Union, its vendors, and/or the licensor of the Public Service Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, Public Service Credit Union must first:
Inform each consumer that Public Service Credit Union, its vendors, and/or the licensor of the Public Service Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the employee’s biometric data, and that the Public Service Credit Union is providing such biometric data to its vendors and the licensor of the Public Service Credit Union’s consumer verification software;
Inform the consumer of the specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used; and
Receive consent by the consumer authorizing Public Service Credit Union, its vendors, and/or Public Service Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by the Public Service Credit Union, and for Public Service Credit Union to provide such biometric data to its vendors and the licensor of the Public Service Credit Union’s consumer verification software.
Public Service Credit Union, its vendors, and/or the licensor of the Public Service Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from employees’ biometric data; provided, however, that the Public Service Credit Union’s vendors and the licensor of the Public Service Credit Union’s consumer verification software may be paid for products or services used by Public Service Credit Union that utilize such biometric data.
This policy is intended to comply with all federal, state, and local laws.
Purpose for the Collection of Biometric Data
Public Service Credit Union, its vendors, and/or the licensor of Public Service Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.
Disclosure
Public Service Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the Public Service Credit Union’s consumer verification software providing products and services using biometric data without/unless:
First obtaining consumer consent to such disclosure or dissemination;
The disclosed data completes a financial transaction requested or authorized by the consumer;
Disclosure is required by law or ordinance; or
Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.
Security
Public Service Credit Union shall use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which Public Service Credit Union stores, transmits and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license numbers and social security numbers.
Retention
Public Service Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of Public Service Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:
The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity;
Request of consumer to destroy the biometric data; or
Within 30 days of consumer’s provisioning of biometric data.
Contact Information
If you have any questions about our use, storage, or security of your biometric data you can contact us at: pscu@mypscu.com.
BIOMETRIC INFORMATION CONSUMER CONSENT
As outlined in the “Biometric Information Privacy Policy”, I understand and consent to the collection, use, retention, storage, and/or disclosure or re-disclosure of data or images from biometric verification technology by Public Service Credit Union, its vendors, and/or the licensor of the Public Service Credit Union’s consumer verification software. I acknowledge that I have been given a copy of the Policy, or that the Policy has been made accessible to me, and I have had an opportunity to review it and request any additional information concerning the Public Service Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.