Privacy Policy

Last Revised: December 7, 2021.

Overview
This Privacy Policy explains ECU.COM’s (“Educators Credit Union”) information‐gathering and online policy practices for our website: www.ECU.com.

ECU takes your privacy rights seriously and has posted this Online Privacy Policy to let our users know what information we collect, why we collect it and what we do with it. ECU’s goal is to collect and use only that information that is necessary to better understand you and provide you with better service.

Acceptance of These Terms
This Privacy Policy is incorporated into and is subject to the ECU Terms and Conditions for use of the ECU.COM. If you do not agree to the terms of this Privacy Policy or the Terms and Conditions for use of ECU.COM, please do not provide us with any information and do not use the site. Your continued use of the site in light of changes to this Privacy Policy will signify your acceptance of the changes for information gathered after the date of the change.

Does this Privacy Policy apply to you?
This privacy policy covers ECU’s information collection and use practices for anyone who uses the ECU.COM website.

ECU.COM also contains links to other websites and third parties.

Once you link to another website from the ECU.COM, you are subject to the terms and conditions of that website, including, but not limited to, its Internet privacy policy.

ECU automatically collects certain technical information about each visitor, including your IP address, the type of device, the type of browser you use to surf the Internet, your screen resolution, the URL you visited prior to arriving at ECU.COM, and your computer’s operating system, without you doing anything at all. Your IP address tells us both your Internet Service Provider (ISP) and the general geographic location from which you are connecting. We may also use your IP address to track the date and time you accessed the site, how long you stayed on the site, and what pages you visited. This information is used internally by ECU to help us achieve the best user web experience for our members, including proper formatting for our web pages.

To better serve you, we use ‘cookies’ to enhance or customize your visit to this site. Cookies are simple text files stored on your web browser. These files provide a way to distinguish among visitors to this site. Cookies created on the device you use to access this website do not contain personal information and do not compromise your privacy or security. We use the cookie feature to store a randomly generated identifying tag on the device you use to access this site. The use of cookies is a standard practice among Internet websites. The software and hardware you use to access the site allows you to refuse the cookie or delete the cookie file at any time. Refusing or deleting a cookie may, however, limit your ability to take advantage of some features of this
site.

ECU reserves the right, at our discretion, to change, modify, add or remove portions of this Privacy Policy at any time to comply with any applicable state or federal regulations, to utilize new technologies, or to improve your ECU experience, so please check back periodically to review our Privacy Policy. If ECU changes any portion of this Privacy Policy, the change will be posted in this document so that you will always know what information we gather, how we might use that information, and to whom we will
disclose it. ECU will not change the use and dissemination practices related to information obtained under a prior version of this Privacy Policy without your prior consent. Please be sure to check this page periodically for changes. This Privacy Policy was last changed and posted on our site on August 11th 2016.

Last Revised: December 7, 2021.

PRIVACY POLICY for the Mobile Card Service

1. Introduction. This Privacy Policy describes the types of “Personal Information” (information that is identifiable to a particular person) that is collected (directly or through service providers) in connection with the Mobile Card Services downloadable application (“App”) and related service (collectively the “Service”) offered by your financial institution (“we” or “us”). This Privacy Policy is intended to supplement the disclosures in any Privacy Policy that you may have already been presented by us in connection with online banking or other services.

2. Eligibility. The Service is offered only to individual residents of the United States excluding its territories, who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors. Other restrictions and eligibility requirements for the Service apply as described in the Terms of Use for the Service. We do not knowingly collect any Personal 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 allow your children to submit personal information without your permission. By using the Service, you represent that you meet these requirements and that you agree to the terms of this Privacy Policy.

3. What Types of Personal Information We May Collect. We may also collect Personal Information about you, which may include: Name, postal address, Zip Code, e-mail address, telephone number, primary account number, Card Expiry Date, card verification number for the payment cards that you are registering for the Service, Social Security Number, and other information that we can use to contact you, verify your identity, and manage risks, such as information maintained about you by identity verification services and consumer reporting agencies, including credit bureaus, and payment and other transaction information, and history for payments and other transactions in which you participate through the Service, and any Personal Information that you may enter into information blocks in the Application interface or on the Site.

The App periodically collects, transmits and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if you expressly authorize collection of such information.  Geolocation information can be monitored on a continuous basis in the background only while the App is being used, or not at all, depending on your selection.  You can change your location permission at any time in the device settings.

How We May Collect Personal Information About You.

We may collect Personal Information about you from the following sources:

1. Information that you input to the App or that the App collects automatically
2. Your use of the App and the Service, and your interactions with customer care, including information you enter or speak, and information transmitted by your computer, cell phones and other devices you use to connect to the Site or Service and
3. We may also collect Personal Information about you from others, such as Affiliates, or other companies (such as for fraud detection).
4. Personal Information Choices. You have the ability to decide when your personal information is used. We will provide a notification seeking your consent to use information for purposes other than that of original collection. If you decline to submit personal information to any of our services, we may not be able to provide those services to you.
5. Information Sharing. We may share your information in the following limited circumstances:
6. Your consent is given.
7. In compliance with this Privacy Policy, we provide such information to trusted businesses for the purpose of processing personal information on our behalf.
8. When reasonably necessary such as (a) satisfying enforceable government request, (b) upholding Terms of Service, or (c) areas pertaining to fraud or security.

How We May Use Personal Information About You.

We use Personal Information about you only as permitted by law, including but not limited to the following purposes:

1. To complete transactions and render services authorized by you
2. Other everyday business purposes, such as to maintain your ability to access the Service, to send you information about the Service, to effect, administer and enforce transactions, to perform fraud screening, to prevent actual or potential fraud and unauthorized transactions, to verify your identity, to determine your credit history, to verify the information you provide to the Service, to perform collections, to report to credit bureaus (including furnishing delinquent account information), to comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of users of the Service or the public, to prevent and defend claims, to resolve disputes, to troubleshoot problems, to enforce our Terms of Use, to protect our rights and property, and to customize, measure, and improve the Service and the App, including pattern recognition, modeling, enhancement and improvement, system analysis, and Service performance analysis;
3. For marketing purposes – to offer products and services to you, although you may opt-out of receiving commercial email marketing messages from us by following the opt-out processes described in those messages.
4. If we are involved in a merger, acquisition, or sale of all or a portion of its assets that results in a change of the majority ownership of the App or the Service or the entity that owns them, you will be notified of this via email and/or a prominent notice on the App, as well as any material change in uses of your Personal Information, as well as any choices you may have regarding Personal Information about you.

Other Important Information.

Vermont: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our Affiliates, unless the law allows. We will not share information about your creditworthiness with our Affiliates except with your consent, but we may share information about our transactions or experiences with you with our Affiliates without your consent.

California: Under California law, we will not share information we collect about you with Nonaffiliates, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our Affiliates to the extent required by California law.

9. Definitions.

1. Affiliates: Companies related by common ownership or control. They can be financial or nonfinancial companies.
2. Nonaffiliates: Companies not related by common ownership or control. They can be financial or nonfinancial companies.
3. Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

How We Protect Personal Information About You.

To protect Personal Information about you from unauthorized access and use, we maintain physical, electronic, and procedural safeguards, including but not limited to security measures that comply with applicable federal and state laws. We also require our service providers and business partners to whom we disclose the information to do the same. When you enter sensitive information (such as a debit or credit card number) into the App, we encrypt the transmission of that information using secure socket layer technology (SSL). We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

11. Data Retention. We will retain, protect, use and share Personal Information about you as long as it is reasonably required for the purposes described in this Privacy Policy, and as required by law, including but not limited to for risk management, regulatory compliance, and audit purposes.

12. Amendments. We may amend this policy at any time by posting a revised version in the App. The revised version will be effective immediately at the time it is posted unless a delayed effective date is expressly stated therein. You may (in our discretion) also be provided with an email notification of such amendments. If we make any change in how we use your Personal Information we will notify you by email or by means of a notice in the App prior to the change becoming effective. You may (in our discretion) be required to affirmatively acknowledge or accept the revised Privacy Policy in order to continue using the App and the Service. Any use of the App or the Service after a notice of change will constitute your express agreement to such changes.

13. Contacting Us. If you have any questions about this Privacy Policy, or wish to provide updates or corrections to information about you, you may contact us at:

Educators Credit Union
1326 Willow Road
Mt. Pleasant, WI  53177

Or by phone at:

Monday – Friday 8AM – 6PM or Saturday 8AM – Noon at 262.886.5900