Privacy Policy

Website
When you visit our website at seattlecu.com, we collect only the private information that you choose to give us (such as providing feedback or completing a form). We may use “cookies” on some pages of our website for the purpose of serving you better when you return to our site. A cookie is a small text file placed on your hard drive by our host’s web page server. These cookies do not collect any personal identification information. We use data collected from cookies for administrative purposes, e.g., to help us improve our site design and content. Cookies may also be used to track how you use the site to target ads to you on other websites.

Children’s Online Privacy
We do not knowingly collect or use personal information from children under 13 on our website or anywhere else.

Online Banking
When you bank online with us, you voluntarily provide personal identifying information i.e., your account number and password. This information, which may be enhanced from time to time, enables Seattle Credit Union and the companies we work with to provide you secure access to your accounts. Secure Socket Layer (SSL) technology (128-bit) and multi-factor identification are used to protect your personal information. During a log-in session, cookies are used for security purposes, but your account and/or personal information is not stored within the cookie.

Online Application Forms and Handling of Email
When you choose to submit an online form and/or application, or enter a contest or participate in a survey, Seattle Credit Union may ask that you provide information about yourself. Online applications and forms on which you provide non-public personal information are forwarded to us on secure phone/data lines. We collect and store this information in order to respond to you and maintain a record of that response.

If you send an email directly to a Seattle Credit Union email address via the Internet, or if we offer you the option of sending an Internet email through our Web site, we collect and store any personal information you submit in order to respond to you and maintain a record of that response. Internet email is not secure, and normally should not be used for inquiries of a sensitive and confidential nature. Since an Internet email response back to you is not secure, we will do our best to not include confidential account information when addressing your concerns in an email response.

Linked Sites
You will find “co-branded” sites on our website seattlecu.com. Co-branded sites are those where you will see the Seattle Credit Union name and logo as well as the name and logo of the service provider. Seattle Credit Union is not responsible for any information that you provide or that may be gathered at a linked site, or for the content or Privacy Policy of any such site. That said, however, we do make every reasonable effort to ensure that these sites have privacy practices that are similar to ours. We encourage you to read the Privacy and Security Statements of each site before providing personal information to the service provider. Our Web site also includes links to various other sites for the purpose of providing informational and/or community resources. Seattle Credit Union is not responsible for the privacy or security practices or the content of these other sites, and, where applicable, before providing personal identifiable information at any of these sites, we ask that you read their Privacy and Security Statements.

Seattle Credit Union App
The Seattle Credit Union App (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 to you (e.g., pursuant to financial privacy laws), 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”).

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, e-mail, 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.
• 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’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., 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 location data when you use the Services even when the app is closed or not in use; 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 e-mail 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 / 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 act 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 opt out 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, however, that 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 The App by email at: support@seattlecu.com; or by mail at: PO Box 780, Seattle, WA 98111.

Anti-Phishing Information
Phishing is the attempt to get your private information by posing as a website, email, or representative of a trusted institution. Be aware that Seattle Credit Union will never ask you for sensitive information, such as your Social Security number, PINs or passwords, by phone, email, or text messaging. If you receive an email, text message, or phone call requesting this type of information, please contact us immediately.

Information Collected Through The Use of Our Sites
Although perfect security is not possible, we have policies and procedures in place to protect the safety of your personal and financial information. We have not and will not sell your account information. We may share some information with third parties, as permitted by law, to enhance the products and services we offer and to comply with local, state, and federal regulations.

Security
You communicate with our computer systems, web site, by using your computer’s web browser. Your web browser will need to be updated periodically for continued safe and secure use of our web site. Our Websites are secured via digital certificates and industry-standard encryption and time-sensitive session cookies in order to obtain personal information for member transactions. We only support browsers that use Secure Sockets Layer (“SSL”) 3.0 (or higher). SSL is intended to help ensure that: You are in fact dealing with Seattle Credit Union, instead of a site impersonating us. Your information reaches us through SSL to help protect the contents of the message from eavesdropping, and interception, however, no security is perfect and it is your responsibility to use up-to-date software, security features such as anti-virus, anti-malware, and connect via trusted networks.

Mobile Security
If you access our websites or mobile app via a mobile device, we recommend that you take steps to secure that device in the event it is lost or stolen.

Use a password or passcode to lock your device to prevent unauthorized access.

When you are finished with a mobile session, log completely out of either mobile Online Banking or the Seattle Credit Union Mobile App to guard against unauthorized access to your Seattle Credit Union accounts.

Do not store your Online Banking password on your mobile device and do not allow the Seattle Credit Union Mobile App or website to remember your password.

Download updates to the Seattle Credit Union Mobile App as they are available to ensure that you have necessary security fixes.

Honoring Your Preferences
Seattle Credit Union may send (or arrange for others to send) emails. If you do not want to receive those communications in the future, follow the steps within the message to unsubscribe or contact us.

If you enrolled in Online Banking, you agreed to our Electronic Communications Disclosure and therefore we may periodically send other disclosures and important information to you electronically. Such enrollment process did not include an opportunity to opt-out of receiving electronic communications from us; however, you may opt-out of receiving subsequent electronic communications at the time of receipt by selecting “unsubscribe”. You may opt out of all electronic communications by contacting us.

Intellectual Property
© 2024 Seattle Credit Union. All rights reserved. You agree that you will not copy, display or transmit the contents of this website either electronically or in hard copies, or link to this website, in any manner or medium. You may not alter the content of this site in any manner. In addition, all trademarks mentioned herein belong to their respective owners. Unauthorized use of any materials from this website may violate copyright, trademark, and other laws. Read more on our Intellectual Property page.

Changes
We reserve the right to change this Statement, and you agree it is your responsibility to check this Statement periodically for any changes. Copyright © 2024 Seattle Credit Union. All Rights Reserved.