This Privacy Notice (“Notice”) describes how United Federal Credit Union (“United”, “we”, “our”, “us”)
collects, uses and shares the personal information we process, particularly information subject to
privacy rules and regulations, and describes the choices available to those whose personal information
falls within the scope of this Notice (“you”, “your”). The terms outlined in this Notice is intended to
supplement United’s Privacy Facts form, available at http://unitedfcu.com/policies-and-disclosures. To
understand our privacy practices, you should refer to our Privacy Facts form and this Notice. The
information in this notice is intended to provide you notice of various rights you may have.
This Notice is not intended to apply to Personal Information (as defined below) we collect about our
employees, applicants for employment, or contractors in the employment context.
“Personal Information” means information that identifies, relates to, describes, is capable of being
associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or
household that is processed by United in the course of our business, including United branches, website,
mobile application, and other online or offline offerings (together or individually, the “Services”).
What Personal Information United Collects
The table below identifies the categories of Personal Information we collect as well as examples of
Personal Information in such categories.
Examples of Personal Information in this Category
Name, email address, mailing address, phone number, physical
characteristics, birthday, location
Characteristics of protected classifications
Age, gender, social security number, account name, driver’s license
number, passport number
Records of personal property information, products or services
purchased, or other purchasing or consuming histories or tendencies
Internet or other electronic network activity
Internet protocol (IP) address, cookie identifiers, mobile carrier, mobile
advertising identifiers, MAC address, IMEI, Advertiser ID, and other
device identifiers that are automatically assigned to your computer or
device when you access the Internet, browser type and language, geolocation information, hardware type, operating system, Internet service
provider, pages that you visit before and after using the Services, the
date and time of your visit, the amount of time you spend on each
page, information about the links you click and pages you view within
the Services, and other actions taken through use of the Services such as preferences
IP address, GPS location, longitude/latitude, city, county, zip code and
region, and your location and your smart device’s proximity to United
branches, Bluetooth networks and/or other proximity systems
Company name and title
Inferences drawn from any
of the above information
Inferenced about any of the examples of Personal Information in any of
the above categories
The sources of the Personal Information we collect above include Personal Information that you directly
provide to us (for example, on our website or in our Application, in our branches, or by telephone),
Personal Information that we gather from the devices you use to access our Services (for example,
website, mobile telephone, or in our Application), and Personal Information that we generate internally
(for example, we may generate identifiers internally that we associate with you). The business purpose
of collecting this information is to provide you service which you have requested or information
requested by you or for a purpose you expressly authorize.
What Personal Information We Share
The Privacy Facts form and this Notice describe the categories of third parties with whom we share
Personal Information. In the last 12 months, we have disclosed categories of Personal Information as
described in the Privacy Facts form and this Notice with third party service providers (such as payment
service provides, shipping companies, etc.) to perform business services on behalf of United to comply
with the Gramm-Leach-Bliley Act (“GLBA”).
We currently do not “sell” your information and have not “sold” information in the preceding twelve
(12) months. United shares and exchanges information for direct marketing purposes as described in
Privacy Facts form. However, United respects and understands that you may still want to ensure your
Personal Information is not sold or shared/exchanged. Therefore, if you would still like to proceed with
a “do not sell my personal information” request, we ask that you fill out the mail in form included in the
Privacy Facts form.
United would like to provide you certain abilities to control your information, such as:
- Access to Personal Information. You may receive the specific pieces of your Personal
Information we have collected in the 12 months preceding your request.
- Data portability. You may receive a copy of your electronic Personal Information in a readily-usable format.
- Knowledge. You may receive information regarding the categories of Personal Information we
collected, the sources from which we collected Personal Information, the purposes for which we
collected and shared Personal Information, the categories of Personal Information that we sold
and the categories of third parties to whom the Personal Information was sold (if any), and the
categories of Personal Information that we disclosed for a business purpose in the 12 months
preceding your request.
- Deletion. You may request that we delete certain Personal Information that we have collected
from you. We will use commercially reasonable efforts to honor your request, in compliance
with applicable laws. Please note, however, that we may need to keep such information, such as
for our legitimate business purposes or as required to comply with applicable law.
- Opt-out of certain sharing with third parties. You may direct us to stop disclosing your Personal
Information to third parties for monetary or other valuable consideration. We currently do not
“sell” your information.
- Right of Rectification. If you should become aware that personal information concerning
yourself which United holds is inaccurate you may contact us and we will make reasonable
efforts to correct the inaccurate information.
- Period of Data Retention. You may receive information regarding the estimated period of time
for which persona data will be stored, or, if this hasn’t been decided the criteria that will be
used to determine the period of retention.
You may freely exercise these abilities without fear of being denied goods or services. We may,
however, provide a different level of service or charge a different rate reasonably relating to the value of
your personal information.
If you would like to exercise one of your abilities concerning Personal Information detailed above, please
complete the mail in form provided in the Privacy Facts form or contact us at firstname.lastname@example.org or
888-982-1400. Upon submission of your request, we will take steps to verify your identity. We will
work to process all verified requests to know within one month of the request. If we need an extension
in order to process your request, we will reach out to you.
We will verify the requests we receive from you when you exercise certain of the controls listed above.
We (or third parties we engage to assist us) may ask you to provide certain information to us in order for
us to verify the request. You may also have a right to designate an authorized agent to make a request
or exercise one of your enumerated rights. If you wish to designate an authorized agent, United
requires a valid power of attorney with express powers to exercise your rights under all applicable