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Access CCU Mobile App Privacy Policy

 

Access CCU Mobile (the “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:
•Get real-time balances for your accounts.
•Manage your money.
•View your transactions and statements.
•Make transfers.
•Pay your bills and manage billers.
•Deposit a check.
•Receive alerts.
•Manage cards.
This Privacy Policy, in combination with other relevant privacy notices that we provide—Example: pursuant to financial privacy laws—is to inform 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”).

 

LOCATION PERMISSIONS POLICY

Access CCU Mobile periodically collects, transmits, and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes collection of such information. Geolocation Information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User’s selection. The End User can change their location permissions at any time in their device settings.

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:
(a)Personal Information You Provide to Us
•We may collect personal information from you, such as your first and last name, address, email, 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, in order to send you a reply.
Access Community Credit Union Mobile App Privacy Policy
•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.
(b)Personal Information Collected from Third Parties—We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
(c)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 or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (example: phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (example: Wi-Fi, LTE, 3G), 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 to 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 for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
•Local storage technologies, like HTML5 and Flash, that 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 your location information when you use the Services; 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
(a)General Use—In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your 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 email notifications, such as security or support and maintenance advisories; and
•Send surveys, offers, and other promotional materials related to the Services.
(b)Compliance and protection—We may use your personal information to:
•Comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
•Protect our, 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 policies;
•Enforce the terms and conditions that govern the Service; and
•Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.
(c)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 in our discretion.

DISCLOSURE OF YOUR PERSONAL INFORMATION
We disclose your personal information collected through your use of the Services as described below.
(a)In Accordance with Our Other 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.
(b)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.
(c)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.

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 use of information on the Services.
(a)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 take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
(b)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.
(c)Opting Out of Email or SMS Communications—If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can optout 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 notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
(d)Opting Out of Location Tracking—If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, 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 in an effort 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 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, 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 prior to 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 acknowledgement of such changes.

CONTACT US If you have any 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 Access CCU by clicking HERE. Or by mail to 6401 Bell St Amarillo, TX 79109

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With 4 locations and over 40 ATMs in Amarillo, and over 50,000 ATMs nationwide, you can be sure that you have Access whenever you need it.

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Access Community Credit Union is committed to serving all persons within our field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 1-800-687-2990 so that we may promptly assist you and remedy any accessibility concerns.

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Welcome to Access Community Credit Union in Amarillo, Texas! At Access Community Credit Union, we believe in providing our members with the financial tools they need to achieve their goals. As a not-for-profit financial institution, we return our profits back to our members in the form of better rates and lower fees. Our goal is to help you make the most of your money, and we strive to do this through a variety of products and services. Our Services: Checking and savings accounts Loan options, including personal, auto, and home loans Credit cards with competitive rates Online and mobile banking Investment services And more! Why Choose ACCU: Local decision making Personalized service Competitive rates A commitment to our community At Access Community Credit Union, we are more than just a financial institution. We are a part of the Amarillo community and we take pride in supporting and giving back to our neighbors. Visit us today and discover why Access Community Credit Union is the right choice for you and your financial future. OUR STORY In 1953, Southwestern Public Service CO (SPS) employees came together to establish Public Service Employees Credit Union. This not-for-profit cooperative would serve employees and their families growing financial needs under the mission of “people helping people.” As the company continued to grow, so did the credit union and in 1999 Public Service Employees Credit Union was renamed and rebranded as Access Credit Union and membership was opened to select employer groups. In July of 2003 Access was granted a community charter to allow anyone who lives, works, worships or attends school in Potter or Randall counties eligibility for membership. The credit union operates 4 branch locations in Amarillo: 6401 S. Bell, 201 Tascosa Road, 2531 Paramount Blvd, and the Mortgage Center, 6020 I-40 West. The credit union today looks vastly different from the one in 1953. In building on the mission of “people helping people,” the board and senior team began in the early 2000’s to refocus toward the future. “Helping You Build Financial Security” was defined as the credit union’s purpose statement under the foundational core values of “relationships, integrity and service.” Since that time the credit union has doubled in asset size, with growth sustained by making member focused decisions, and introducing member focused products and services. For Access, member focused means one thing, always providing “trusted advice” regardless of the issue or situation. We believe this helps more families in our community and those families will tell other families and friends. What makes us different than a bank? Bank profits generally benefit a group of shareholders who own stock in the bank. Credit union profits are returned by lower loan rates, and fees as well as higher dividend rates on deposits to all credit union members. Another major difference is that credit unions are governed by volunteer board of directors elected by the membership. At Access and at most credit unions these board members are not compensated monetarily. Simply put, credit unions offer many similar services of banks (loans, checking accounts, online banking, apps, etc) but serve a different purpose: to provide a better deal to the members. We offer you the tools to take control of your website's content. Ensure your placement in Google's ranking and increase your leads and conversions by keeping your content up to date and relevant with runCMS. runCMS does not rely on third party plugins that are prone to breakage. Instead, it is actively developed, hosted, and supported by the friendly and experienced staff at Run Business Solutions. That means that you don't need to worry about dealing with hard-to-reach, unreliable web hosting companies. runCMS is powerful and easy to use. We would love to show you how it works. 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Library Resources can have an expiration date added which will cause them to no longer appear on the website when the expiration date passes. Libraries can be added to pages as simple lists of Titles that are download links or as tables with the Title, Description, File Name, and a Download button. Library downloads are tracked and are reported in the Analytics Dashboard. Blogs Blogs are a great way for users to publish fresh content to the world. RunIT CMS includes a Blog tool with Categories. Blog Posts can have a cover photo, can be deactivated, and are edited with the Custom Content Editor. Blog Posts have an optional expiration date. All non-expired, active Blog Posts are added to the site's automatically generated sitemap.xml file and the site's RSS feed. Blog Posts can integrate with Calendar events, allowing users to create a blog post and a Calendar Event at the same time. Calendars No full-featured CMS is complete without a calendar. The RunIT CMS Calendar tool allows users to create multiple calendars, each having a name and a custom color. Events can easily be added to a Calendar. Events have a Title, Description, Start Date/Time, End Date/Time, option for All Day Event, Reminder Date/Time, and RSVP Required. The Calendar displays on the page as either a calendar or a list of events, each being hyperlinks that open details about the event. If RSVP Required is selected, the event details will allow users to RSVP. RunIT CMS Custom Content Editors are present throughout the system. They are WYSIWYG (What You See Is What You Get) editors that allow for content to be added and formatted in a Microsoft Word like manner. Our editor is one of the best on the market. RunIT CMS Custom Content Editor Toolbox The Custom Content Editors include a wide array of features for formatting text, pasting from Word, and pasting as HTML. Users can apply a CSS class from the site.css file to images and text. There is a full multi-level undo/redo mechanism with action trails like Microsoft Word. The editor includes a spell checker, find and replace tool, and a table builder. The editor also includes a powerful hyperlink manager, image manager, and document manager. The image manager allows users to edit images. The RunIT CMS Custom Content Editor produces clean, semantic HTML markup that users can view or edit with the click of a button. This allows for advanced users to embed videos, add custom scripts or styles, and generally take total control of how the HTML is going to look. Content Blocks There is no reason to repeat the same action (such as copying and pasting) to update multiple pages. No one enjoys manually updating each page of a website in order to update a hyperlink or an image. It is our goal to eliminate duplicate work when it comes to editing web content. That's what Content Blocks are all about. A content block is a piece of formatted content that can be added to pages and updated in one place. Content Blocks are edited with the Custom Content Editors, giving users complete control over the formatting (and advanced users control over the actual HTML). An example of a use case for a Content Block is a navigation sub-menu that exists in a subset of pages. Another example is a YouTube video that needs to be displayed on many pages and is subject to change. Site Layout Users have complete control over the way their websites look. Everything contained in the tag is editable using a Custom Content Editor. The system includes several macros for the purpose of adding the site navigation and page content in any place desired. There are also macros to get the site root, the current date/time, and to add CMS tools to the layout.know your purpose. We take the time to understand who you are as an organization to determine how we can best serve you. 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