Privacy Policy

I. Introduction

Your privacy is important to us at Connerstone Credit Union ("Connerstone Credit Union," "we," or "us"). This Privacy Policy ("Policy") explains how we handle your personally identifiable information ("PII"), including the data we collect, store, use, and disclose. Information that directly or indirectly identifies, relates to, describes, references, is reasonably capable of being associated with, or is linked with you or your communications device (computer, tablet, mobile phone, etc.) is considered PII for the purposes of this Policy. We pledge to be conscientious data stewards, utilizing PII only as intended, and protecting it in accordance with strict security policies. Personal information is never shared with third parties.

From time to time, we may alter the Policy by adding or removing provisions. If we decide to make a change to our policy, we will notify you here at www.connnerstonecu.com so that you can review the new terms. Your continued use of the Site and our services after we make any changes to the Policy will be assumed to represent your acceptance of the Policy's terms. Before you share any personal information with us, please see the Policy. From the initial stages of considering a partnership with Connerstone Credit Union, through opening and maintaining an account with us, and including the introduction of new services to support your evolving financial needs, we encourage you to read the Policy carefully as it relates to your experience with us.

Our customer privacy notice outlines your additional privacy rights if you are, or apply to become, a customer of Connerstone Credit Union in regards to products or services to be used primarily for personal, family, or household purposes.

II: What Kinds of Personal Information Does Connerstone Credit Union Collect and How Is It Obtained?

When you engage with Connerstone Credit Union in any way, online or off, we may gather personally identifiable information about you, such as when you fill out a form, voluntarily supply information, or react to a request for information. For instance, we will collect your phone number or email address if you choose to subscribe to our communications services, and we will also keep any other personally identifiable information you send to us via these channels or otherwise.

Our affiliates, the Internet (including social media websites and other websites), other financial institutions with which you have accounts (if you elect to have an account aggregation service), conferences, the press or other print media, credit reporting agencies, and other persons (including persons who might refer you to us for a possible customer relationship) and organizations may also provide us with personally identifiable information about you, provided that such disclosure is permitted under applicable law.

Data collection is not limited to personally identifiable information. Some of the data we acquire about you may be of an anonymous or aggregated kind. The following is a list of the categories of personal data we may have gathered on you in the last calendar year. Information of this kind is considered personally identifiable only if it can be directly or indirectly associated with you or your device through identification or other means.

Names, addresses, IP addresses, email addresses, user names, account numbers, Social Security numbers, driver's license numbers, passport numbers, and other identifying information.

Information on your use of the Internet or a similar network, such as pages visited, terms entered into search engines, and how you found and used our website, mobile app(s), or an advertisement. The Media Access Control (MAC) address, computer make and model, screen resolution, operating system, device maker and model, and browser type and language may be among the details collected. Information on when and what you download from our mobile app on your device, as well as the date and time of any downloads, may also be included in this category of data.

Geolocation information, or details about where and when you use the device you use to access our services online. By using technologies like Bluetooth, satellites, cell phone towers, and Wi-Fi signals, among others, the mobile app can determine your precise geographical location.

Sensory information including but not limited to auditory, electrical, and visual details.

Information contained in "Customer Records" (which may include identifiers and professional/employment-related information) may include your name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information.

Business data, including purchases, inquiries, and considerations of goods and services, as well as other consumption patterns and preferences.

Fingerprints, voiceprints, and other forms of biometric data. Third-party authentication capabilities, such as biometric technology (such as fingerprint scanning), may be supported by our mobile applications, allowing you to gain access to our mobile applications on your device. Details about your professional life, such as your work experience and education.

Factors unique to an individual, such as color, national origin, ethnicity, marital status, age, and gender that are associated with legally protected categories and are not open to discrimination.

Inferences made about you based on other pieces of PI, such as your apparent personal preferences, characteristics, psychological patterns, predispositions, behavior, attitudes, IQ, abilities, and aptitudes. We may deduce demographic information about you from your name and/or address, such as your race, ethnicity, and gender.

III: Why and how we use the personally identifiable information we collect for business purposes

To the extent permitted by law, we may use the PII we acquire from you in the following ways:

To notify you about our offerings and supply you with those offerings, including servicing any loans we make to you.

We'll use your contact information to respond to your enquiries, complete your orders, and keep you updated on any policy changes that may affect the Connerstone Credit Union services for which you have signed up.

So that we can check your qualifications (including your credit) when you apply for our services and goods.

To cater to your individual needs by suggesting Connerstone Credit Union services and deals that suit you best.

To verify your identity and/or location (for instance, we may utilize the physical location of your device if you are making a transaction) to avoid fraud.

We may use your device's location to provide you with personalized location-based services, content, and offers, such as notifying you when you are near one of our ATMs or banking locations or providing you with a coupon or reward that can be redeemed at a nearby location, all in an effort to enhance the overall user experience with our services.

To provide you with the requested services from our website or mobile applications.

To keep the services and any data or information acquired secure and to improve their protection.

For regulatory and risk management purposes, including ensuring we adhere to all applicable fair lending rules and regulations.

Analysis of data, creation of new products, cooperation with law enforcement, and adherence to other legal procedures are all examples of legitimate corporate uses of data.

IV. When and With Whom We Share Your Personal Data

Personal information we gather may be shared with our subsidiaries and affiliates and our service providers in accordance with applicable law. We use third-party partners for services like technology support, operational support, and other forms of assistance, and to provide services like bill payment, money transfers, check processing, wiring services, and payment solutions on your behalf. When we share personally identifiable information with our service providers, we require them to keep it secure and confidential.

We may also disclose Personal Information to third parties when we believe it is necessary or appropriate to do so in order to: (a) respond to subpoenas or other legal process; (b) comply with requests from public and government authorities; (c) enforce and investigate violations of applicable Terms and Conditions; (d) protect our rights, property, or safety.

Aside from these specific uses, we do not disclose or sell any personally identifiable information. We never give out individual details to third parties for them to use in their own marketing campaigns.

V. Other Information Collection, Use and Sharing

In addition to PII, we may collect, use, and disclose the following types of non-personal data:

Data Pooled Together. Aggregated data, which does not personally identify you or any other individual, may be created or compiled by us or on our behalf by our service providers and includes bits of information from various sources (including information collected by cookies, from accounts, transaction information, and any other information, including PII). For business objectives including data analytics, research, product marketing, and other legal or business uses, we may use and distribute aggregated data.

Cookie and tag-based information. Cookies are small pieces of information that are saved in a user's device's memory and are used by us and our service providers. Tags, which are associated with cookies, may also be used to facilitate the administration of cookie-related data. We utilize these tools to record data such the user's browser type, the URLs they visit, the amount of time they spend on each page, and the actions they take while on the page. This data is used for a variety of reasons, including but not limited to: updating and improving the user interfaces of our website and mobile applications; ensuring the safety of our users and their information; recognizing you and your device so that we can provide you with access to our online products and services; customizing your experience with us; and displaying personalized products and offers. Your browser's settings can be adjusted to prevent it from accepting new cookies, to prompt you before accepting a cookie from a new site, to erase cookies when you close the browser, or some combination of these. Your use of our website and other online products and services may be impaired or made more difficult if you disable cookies from our domain.

Online advertising data, if you will. We and other third-party advertising service providers may track your online activity over time and across multiple websites when you use our services to better tailor digital advertisements to you. Some of the advertisements that link to our services may be interest-based, in which case they may utilize data about your online and offline activities to personalize the adverts you see online. We utilize the data we collect about you from your interactions with our services to show you advertisements that are more likely to pique your interest and tailor our content to your specific preferences. Visit About Ads to opt out of having us and/or our third-party advertising service providers track the ads you've seen and the websites you've visited as a result. Information regarding interest-based advertising, cookies, behavioral advertising, and the effects of opting out (or not) can be found on the Digital Advertising Alliance website.

Analytics by Google. Google, Inc.'s online analytics service, Google Analytics, is utilized. Cookies and related technologies are used by this analysis tool to learn more about how users interact with the service. Google receives and stores the data collected about usage, including visitors' IP addresses. After collecting this data, it is used for analysis of how the site is used, for creating statistical reports about site traffic, and for providing other services connected with site and Internet use. Please visit http://www.google.com/policies/privacy/partners/ for more details on how Google Analytics collects and uses your data. If you don't want to have your web browsing habits tracked by Google Analytics, you can disable these cookies by visiting http://tools.google.com/dlpage/gaoptout.

The Adobe System. Adobe Systems, Inc.'s analytic tools and services are also utilized. Adobe employs cookies and related technologies for the purpose of user analytics. Visit http://www.adobe.com/privacy.html to learn more about Adobe's privacy policies. To learn more about how you can choose not to participate in some of Adobe's data gathering activities, visit http://www.adobe.com/privacy/opt-out.html.

VI. Security

We take reasonable organizational, technical, and administrative precautions to safeguard the PII we collect and store on our systems from unauthorized access. But you can take further precautions to ensure the safety of your personally identifiable information beyond the measures we have in place, such as keeping your passwords private and in a safe place. What you do to supplement the many precautions we employ is crucial. Please contact us immediately at +1234567888 if you have any reason to believe the security of your engagement with us has been compromised in any way. Please visit https://www.connerstonecu.com/privacy/security-and-fraud-prevention for additional details about our Security Center.

VII. Your Right to Determine What Happens to Your Private Data

To request that we make changes to your personally identifiable information, please get in touch with us via one of the methods described in the "How to Contact Us" section below. Kindly be aware that some information is necessary for us to deliver the services to you, and it may be impossible to take them off even if you want us to.