Digital Banking Privacy Policy

1. Information We Collect:

We may collect personal information when you enter data into an application for new products or services, when you use our products and services, from locations initiated from our website or when you otherwise interact with us on our website. Personal information may include your name, address, social security number, drivers' license number or other forms of identification, date of birth, phone numbers, account numbers, email addresses, credit or income information, usernames, passwords, and images of documents such as identification cards, checks, or statements. We do not collect personal information from you when you simply browse our website. We also do not collect personally identifiable information from visitors to our website unless visitors voluntarily and knowingly provide us that information. However, our website may collect non-personal information such as your IP address and device identifier. We also collect information from your mobile device such as IP addresses, browser type, device type and operating system, sites visited on the digital banking service, date and time of access, and identity of the referring site. This information allows the credit union to limit access to only those entitled to perform transactions and inquiries on the account(s). We take your online privacy seriously and make the safeguarding of your personal information a priority. We collect personal information only as allowed by law. Use of the internet makes it possible for other parties to collect data about your online activities over time and across different websites, including when you use our website.

2. Digital Banking Service Information and Permissions:‍‍

If you use our digital banking service, we may ask for permission to use the following features or functionalities:

Camera: You may need to take pictures of checks for mobile deposits.
Photos and Images: You may want to attach a photo to a secure message.
Files and Media: You may want to attach a file to a secure message.
Location: Our app may collect precise and approximate location for technology access and tracking.
Other applications: You may access other installed and relevant apps when you use our personal financial management tools.
SMS Texting: You may opt to send and receive text notifications and alerts, and to receive multi-factor authentication codes.
Application information and performance: We may collect "crash" logs, diagnostics, and other performance data.
Device information: We may collect information on your operating system and version, device version, cellular/WIFI connectivity, IP address, and location.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.

3. With whom do we share the collected information?

We may disclose the information that we collect, as described above, with service providers acting on our behalf to provide digital banking services. Our contracts require all such service providers to protect the confidentiality of your customer information to the same extent that we must do.

We may also disclose customer information when required or permitted by law. For example, customer information may be disclosed in connection with a subpoena or similar legal process, fraud prevention, or security investigation.

We may use or share your non-personal information to enhance your experience on our Sites, to help deliver our advertisements on your web browser, and to measure advertising campaign effectiveness. We may also share your personal information and non-personal information as required to meet legal and regulatory obligations. However –

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.
Text messaging originator opt-in data and consent information will not be shared with any third parties except when required or permitted by law.
We do not sell any of your personal information.

4. What we do with the information we collect?

We use this information to understand your needs and provide you with better service. We may use it in the following ways:

Internal record keeping
To improve our products and services
To periodically send promotional communications
To occasionally contact you for market research purposes
To customize the website according to your interests

5. Managing your information preferences?

If your email address or cell phone number is on record with us, we may periodically send you educational or informational communication about products, services, or events that we believe may interest you. Instructions for how you can stop or unsubscribe from receiving these messages are included in each communication that we send. However, we will still communicate with you in connection with servicing your account, fulfilling your request, or about any promotion, service, or program in which you have elected to participate. Remember, it is your responsibility to update us when information, such as your home address, email address, and/or your cell phone number changes.‍

6. What happens when you send information to us or transact with us online?

Whenever you submit information to us using methods we make available to you on our website, we protect your information using administrative and technical processes along with strong industry standard encryption recommended for financial institutions. There is a serious risk that your information could be intercepted if you send information using a method outside of our website, such as sending an email from your home email server or posting a message to us through a social media website. To send us a secure message, you should only use the method provided after logging on to our online or mobile banking services.

7. Third-Party Sites including when other websites display our information:

We are not responsible for the content, practices, or policies of any other party or any non-Austin Telco website you visit, including any social media sites in which we display information, or any website whose link appears within our website, and regardless of any affiliation we may share with any other entity. Before providing any personal or identifiable information, you should first review the policies of any website you are visiting. The fact that there is a link between our website and that of another website does not represent an endorsement by us of the content and any product, service, or program contained on any other website. Advertising we place on other websites may contain a "tag," which is a code that tells us that our advertisement was reviewed at the sponsoring website. Tags do not contain personal or identifiable information and are only a marketing tool for measuring the effectiveness of placing our advertising on other websites.

8. Service Providers:

From time to time, we may establish a business relationship with other businesses whom we believe trustworthy and who have confirmed that their privacy practices are consistent with ours ("Service Providers"). For example, we may contract with Service Providers to provide certain services, such as hosting and maintenance, certain features of the services, such as data storage, management, marketing, and promotions. We only provide our Service Providers with the information necessary for them to perform these services on our behalf. Each Service Provider must agree to use reasonable security procedures and practices appropriate to the nature of the information involved, in order to protect your personal information from unauthorized access, use, or disclosure. Service Providers are prohibited from using personal information other than as specified by the credit union. When permitted or required by law, we may share your personal information with additional third parties for other purposes, such as responding to legal process.

9. Data Processing in Other Locations:

Please be aware that your personal information and communications may be transferred to and maintained on servers or databases located outside your state, province, or country. If you are located outside of the United States, please be advised that we process and store information in the United States. The laws in the United States may not be as protective of your privacy as those in your location. By using our website, you are agreeing to the collection, use, transfer, and disclosure of your personal information and communications will be governed by the applicable laws in the United States.

10. Children’s Online Privacy:

The credit union does not knowingly collect, maintain, or use personal information from our website about children under the age of 13. We request that these individuals do not provide personal information through the site without parental consent. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website at www.ftc.gov.‍

11. Keeping your information accurate:

It is important that we have accurate and up-to-date information about you. If you notice that your information is incomplete, inaccurate, or out of date, please contact us at (512) 302-5555 or visit a branch. You can also review and request changes to certain personal information such as your email address, mailing address, and telephone number after logging on to our online or mobile banking services.

12. Cookies and Tracers

We use cookies and similar technologies (e.g., web beacons, pixels, ad tags and device identifiers) to recognize you and/or your device(s) on, off and across the Site and different Services and devices. Cookies are pieces of information stored directly on your device. Cookies provide information that is used for security purposes, to facilitate navigation, to display information more effectively and to personalize/customize your online experience. You can control cookies through your browser settings and other tools. Our website does not respond to Do Not Track signals.

You can also opt-out from our use of cookies and similar technologies that track your behavior on the sites of others for third party advertising. If you do not wish to participate in history/behavioral tracking to provide tailored content and advertising you may opt-out by visiting:

Google's Ads Settings(Opens in a new Window)

DoubleClick(Opens in a new Window)

For further general information on Cookies and more detailed advice on how to disable and enable them, please go to www.allaboutcookies.org.

13. Changes and Updates

We reserve the right to update and change this Online and Mobile Privacy Policy from time to time. If we update this Online and Mobile Privacy Policy, the changes will be effective when we post the update to this webpage. The date of the most recent update will always be shown below. You agree that it is your responsibility to check this Online and Mobile Privacy Policy on this webpage periodically for any changes.