CAMPUS USA Credit Union Privacy Policy

Online Privacy Policy

CAMPUS USA Credit Union and our affiliates are committed to making financial products and services available that will empower you to reach your full financial potential. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with your credit union. The Board of Directors and Management have made every effort to protect your account information.

What does CAMPUS USA Credit Union do with your personal information?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

When you are no longer our member, we continue to share your information as described in this notice.

All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons CAMPUS USA Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information: Does CAMPUS USA Credit Union share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes Yes
For joint marketing with other financial companies Yes Yes
For our affiliates’ everyday business purposes – information about your transactions and experiences No We do not share
For our affiliates’ everyday business purposes – information about your creditworthiness No We do not share
For non-affiliates to market to you No We do not share

 

How does CAMPUS USA Credit Union protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does CAMPUS USA Credit Union collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Does CAMPUS USA Credit Union collect my location in mobile applications?

CAMPUS USA Credit Union Mobile App periodically collects, transmits, and uses certain information, such as precise geolocation information, photos, and images used for mobile check deposits. Geolocation information is used 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 application is being used or not at all, depending on the End User’s selection. The End User can change location permissions at any time in their device settings. The CampusUSA Card Control Mobile App does not collect, transmit, or use geolocation information.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

Definitions:

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.

  • CAMPUS USA Credit Union does not share with our affiliates

Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.

  • CAMPUS USA Credit Union does not share with non-affiliates so they can market to you

Joint marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • CAMPUS USA Credit Union does not jointly market

Zelle®:

Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. The Zelle® app collects, transmits, syncs, and stores mobile, email, and contact data in order to provide you with a better user experience. This data will be shared with Early Warning Services, LLC, the owner of Zelle®, to help you find your recipients more quickly. Early Warning Services, LLC, does not use this data for advertising purposes. You have the ability to refuse access to your contacts within the app itself. Learn more about Zelle® and Zelle® services here: campuscu.com/zelle

Cookies

Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the site and to assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.

Google Analytics

Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at google.com/policies/privacy/partners/.

 

 

Online Security Policy

Accessing your account online should not be a frightening experience. We want you to feel safe and secure every time you use any CAMPUS USA Credit Union online service. CAMPUS has built a security system around CAMPUS Online and Mobile Banking that safeguards your money and keeps your account information private.

Our Commitment

We utilize a minimum 128-bit encryption to secure all online banking sessions and end-to-end SSL (Secure Socket Layer) security for mobile sessions to protect your accounts and confidential information. In addition, we employ several other security features to ensure the safety of your accounts, including (but not limited to):

  • Session Timeouts - For security purposes, your CAMPUS Online & Mobile Banking session will be timed out after 30 minutes of inactivity or 60 minutes for a fixed session
  • Enhanced Log-in Security - In addition to entering a unique User ID and unique password to access CAMPUS Online & Mobile Banking, you will be required to enter a secure access code (SAC) when logging in for the first time from a new device or web browser. The secure access code will be delivered to your pre-existing phone number or email address. You will have the option of registering the device. If the device is not registered, you will receive a secure access code each time you log in. A new secure access code and browser registration is also required any time cookies are cleared from a web browser.
  • Alerts – We offer customizable alerts to notify you of online & mobile banking activity and to verify online & mobile banking activity was performed by you. We encourage all CAMPUS Online & Mobile Banking users to utilize alerts.

Your Responsibility

Your use of CAMPUS Online & Mobile Banking confirms your agreement and understanding of the provisions explained in our CAMPUS Online Services Agreement, which describes in detail all aspects of using our service. You are responsible for maintaining the confidentiality of your personal identification and access information, member numbers, online passwords, and other account data. CAMPUS USA Credit Union cannot be responsible for member errors or negligent use of the service and will not cover losses due to:

  • Misuse of the service or errors while entering information.
  • Failure to maintain confidentiality of or sharing of passwords and/or access information leading to unauthorized access to accounts. This includes storing passwords (through functions such as “autocomplete”) on any PC or device that may be collected and re-transmitted (as is the case with “spyware”).
  • Failure to “Log Off” when completing an online session, leaving a computer unattended during an online session, or storing identification or password information in a computer or device.
  • Neglecting to report known unauthorized account access within two (2) business days.
  • Failure to utilize proper software to prevent viruses and malware from running on your devices and compromising online banking credentials.​

Email Security

Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number or PIN numbers. We also ask that you do not send personal or account Information through regular email.