Information We Collect About You
We collect non-public personal information about you from the following sources:
- Membership and loan applications and other forms you complete and provide to us.
- Transactions with us or our affiliates.
- Consumer reporting agencies, and
- Verification of the information you provide on an application or other forms such as from your current or past employers or from other institutions where you conduct financial transactions.
If you choose to use the CardNav Card Controls and Alerts app to monitor and control your debit and/or credit card, the app periodically collects, transmits and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if the End User expressly authorizes collection of such information. End Users can decide if geolocation information will be monitored on a continuous basis, only while the app is in use, or not at all, depending on the End User’s selection. End Users can change their geolocation permissions at any time using their device settings.
Information We Disclose About You
We may disclose the information we collect about you as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the credit union, follow any instructions you authorize or protect the security of our financial records. Our commitment to provide you with competitive products and services may require that we share information about you with our affiliates in order to complete your transactions and to provide you with certain financial opportunities. We have entered into agreements with other companies that provide either, services to us or additional financial products for you to consider. These include insurance products, other deposit and loan related products and services, mortgage lending services and financial planning.
Under these agreements we may disclose all the information we collect, as described previously, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of the information we provide. We do not allow these companies to sell the member information we provide to other third parties.
Disclosure of Information about Former Members
If you terminate your membership with the Credit Union, we will not share information we have collected about you, except as permitted or required by law.
How We Protect Information
We restrict access to non-public personal information about you to those employees who have a specific business purpose to utilize your data. Our employees and officials are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards for your non-public personal information.
What Members Can Do to Help
The Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
- Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. NEVER keep your PIN with your debit or credit card. This can provide access to your accounts if your card is lost or stolen.
- Use caution when disclosing your account numbers, social security numbers, or other private information to other persons. If someone calls you on behalf of the Credit Union and asks for your personal information, you should be extremely cautious. Authorized Advantage Financial Federal Credit Union staff will have access to this information and will not need to ask for it. If you receive such a phone call or email, contact the Credit Union immediately.
- Keep your personal information with Advantage Financial current. It is important that we have current information on how we can reach you. If we detect potentially fraudulent activity or unusual use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
Let us know if you have any questions. Please do not hesitate to contact us — we are here to serve you!
Children's Online Privacy Protection Act (COPPA)
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. The credit union's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections visit the Federal Trade Commission online.