WEB-24
AGREEMENT AND DISCLOSURE; BILL PAYING AGREEMENT AND DISCLOSURE; TEXT BANKING TERMS OF
SERVICE; AND TEXT BANKING PRIVACY POLICY
This Agreement and Disclosure
("Agreement") is the contract which covers your and our rights and
responsibilities concerning the Summit Federal Web-24 for Members (hereafter referred to as Web-24) services offered to you by Summit Federal Credit Union
("Credit Union"). Web-24
service permits you to electronically initiate account transactions involving
your accounts. In this Agreement, the words "you", "your"
and "yours" mean those who request and use Web-24, any joint owners of accounts accessed under this Agreement
or any authorized users of this service. The words "we",
"us", and "our" mean Summit Federal Credit Union. The word
"account" means any one or more accounts you have with the Credit
Union. By requesting and using the Web-24
service, each of you, jointly and severally, agree to the terms and conditions
in this Agreement, and any amendments.
WEB-24 SERVICE:
ACCOUNT ACCESS
If we approve your application for Web-24, you may use your personal
computer to access your accounts. You must use your personal identification
number ("PIN")/Password along with your user name to access your
accounts. You must maintain an active checking account with Summit FCU. You will need a personal computer with a
modem and access to the Internet in order to use Web-24. You are responsible
for the installation and maintenance of your computer. You will have access to
this system from up to three discrete computers that are registered with our
system. The Credit Union is not
responsible for any errors or failures involving any telephone service,
Internet service, or for the software or hardware of your computer.
TYPES OF TRANSACTIONS
You may use Web-24 to:
Review account balance for any of your checking, savings, and loan accounts;
Review transaction history for any of your checking, savings, and loan
accounts;
Make transfers between any of your checking and savings accounts;
Make your Credit Union loan payments from your checking or savings accounts;
Withdraw funds from your regular share account by check to be mailed to you at
your address of record;
Review checks that have cleared from your checking account;
Request text messages to notify you
of specific activity on your account;
Pay your bills;
Inquire if a specific check has cleared;
Change your personal identification number/password;
Conduct any other transactions permitted by the Credit Union.
Transactions involving your deposit accounts will be subject to the terms and
conditions of your account agreement as applicable.
SERVICE LIMITATIONS
The following limitations on Web-24
transactions may apply in using the services listed above:
1.) TRANSFERS. You may make funds transfers to other Summit Federal Credit
Union accounts of yours as often as you like. However, Federal regulations
limit pre-authorized transfers from your regular share account. During any
given month, you may not make more than six withdrawals or transfers to another
Credit Union account of yours or to a third party by means of a preauthorized
or automatic transfer. This includes transfers by phone, fax, wire, cable,
overdraft transfers to checking, and Internet instruction.
The Credit Union will not be required to complete a withdrawal or transfer from
your share accounts if you do not have enough money in the designated account
to cover the transaction. You agree not to use Web-24 to initiate a
transaction that would cause the balance in your designated share account to go
below the required minimum balance. We will not be required to complete such a
transaction, but if we do so, you agree to pay us the excess amount or
improperly withdrawn or transferred amount and any overdrawn account fees resulting
from such transactions, immediately upon our request. We will also decline to
complete your Web-24 transactions if
we have canceled your access to Web-24
or we cannot complete the transaction for security reasons.
2.) ACCOUNT INFORMATION. The account balance and transaction history
information may be limited to recent account information involving your
accounts. Also, the availability of funds for transfer or withdrawal may be
limited due to processing time and our Funds Availability Policy.
3.) E-MAIL. The Credit Union may not immediately receive E-mail communications
that you send and the Credit Union will not take action until we actually
receive your message and have a reasonable opportunity to act. Requests for
funds transfer as well as the transmittal of account information should not be
communicated to the Credit Union through the use of E-mail. If you need to
contact the Credit Union immediately regarding an unauthorized transaction or
stop payment request, you may call the Credit Union at 330-376-3626.
PERSONAL IDENTIFICATION NUMBER
"PIN"/PASSWORD SECURITY
The PIN/Password issued to you for
initial access to Web-24 is for
security purposes. You should change your PIN/Password for security reasons the
first time you use the service. Your PIN/Password is confidential and should
not be disclosed to third parties or recorded. You agree to accept
responsibility for protecting the integrity of your PIN/Password. You agree not
to disclose or otherwise make your PIN/Password known to anyone not authorized
to sign on your accounts. Granting access to your account through use of Web-24 to any non-owner will make you
financially liable for all access, losses, or misuse of your account(s) until
reported to us. You also agree that we may revoke your Web-24 access at any time without notice to you. Tell us at once if you believe your
PIN/Password has been lost or stolen.
FEES FOR Web-24 SERVICE
There may be certain charges for
services available in Web-24 as set
forth on the Credit Union’s Fee Schedule.
These fees may change from time to time as determined necessary by the Credit
Union Board of Directors. We will notify you of any changes as required by law.
There is currently no monthly charge for unlimited Web-24 service per account per month. If a fee is instituted it
will be automatically deducted from your checking account at the end of each
month and you will be notified 30 days ahead of time of implementation of such
fees. If funds are not available in your checking account to pay the fee it
will be deducted from your savings account. To obtain a Rate and Fee Schedule, visit either Summit FCU
branch or call SFCU at (330) 376-3626.
MOBILE MESSAGING
To participate in the Service’s text messaging
program, you must have an SMS/text messaging-enabled mobile phone. YOU are
responsible for standard text rates and/or data usage rates that apply in
conjunction with any of the terms and conditions of your agreement(s) with your
cell phone carrier.
PERIODIC STATEMENTS
Your periodic statement will clearly
identify each electronic transaction. There will be a monthly account statement
available for each month in which you initiate electronic transactions. No other receipts will be mailed. You agree by accessing your account through Web-24 to receive all Summit FCU
account statements through Web-24/E-mail. By applying to use and accepting the terms of
this Agreement, Summit FCU will not mail statements to you through the U.S.
Mail, they will only be received by E-mail until such time as Web-24 access is revoked by you or
Summit FCU. You will have access to an account statement at least quarterly if
there is no electronic transaction activity on your account.
CREDIT UNION’S LIABILITY FOR FAILURE TO MAKE TRANSFERS
If we do not complete a transfer to
or from your account on time or in the correct amount according to our
agreement with you and the instructions you transmit, we will be liable for any
returned check fees resulting from our failure to perform the transaction. However, the Credit Union will not be liable:
If, through no fault of ours, you do not have adequate funds in your account to
complete a transaction or if your account is closed.
If you used the wrong PIN/password or you have not properly followed any
applicable computer, Internet access, or Credit Union user instructions for
making transfers or payments.
If your computer fails or malfunctions or Web-24
was not properly working and such problem should have been apparent when you
attempted such transaction.
If circumstances beyond our control (such as fire, flood, telecommunication
outages, postal strikes, equipment or power failure) prevent completion of the
transaction.
If the funds in the account are subject to an administrative hold, legal
process, or other claim.
If you have not given the Credit Union complete, correct, and current
instructions so the Credit Union can process the transfer or payment.
If the error was caused by a system beyond the Credit Union’s control, such as
your Internet Service Provider.
If there are other exceptions as designated by the Credit Union from time to
time.
DISCLOSURE OF INFORMATION TO THIRD
PARTIES
We will disclose information to
third parties about your account or the transfers you make:
1.) Where it is necessary for completing transfers, or
2.) In order to verify the existence and condition of your account for a third
party, such as a credit bureau or merchant, or
3.) In order to comply with government agency or court orders, or
4.) To our affiliates or for purposes of offering or providing
you other products or services, or
5.) If you give us your written permission.
IN CASE OF ERRORS OR QUESTIONS ABOUT
YOUR ELECTRONIC TRANSFERS
Call us at 330-376-3626 or write;
Summit Federal Credit Union,
As soon as you can, if you think
your statement is wrong or if you need more information about a transfer listed
on the statement. We must hear from you no later than 60 days after the date of
the FIRST statement on which the problem or error appeared.
1.) Tell us your name and account number.
2.) Describe the error or transfer you are unsure about, and explain as clearly
as you can why you believe it is an error or why you need more information.
3.) Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days.
We will tell you the results of our investigation within 10 business days (20 business
days if your question or complaint involves a transaction to or from an account
opened within the last 30 days) after we hear from you and correct any error
promptly. If we need more time, however, we may take up to 45 business days (90
business days if your question or complaint involves a transaction to or from
an account opened within the last 30 days) to investigate your complaint or
question. If we decide to do this, we will credit your account within 10
business days (20 business days if your question or complaint involves a
transaction to or from an account opened within the last 30 days) for the
amount you think is in error, so that you will have the use of the money during
the time it takes us to complete our investigation. If we ask you to put your
complaint or question in writing and we do not receive it within 10 business
days, we may not credit your account.
If we decide there was no error, we will send you a written explanation within
three business days after we finish our investigation. You may ask for copies
of documents that we used in our investigation.
The Credit Union may revoke any provisional credit provided to you if we
find an error did not occur.
If your alleged error or question relates to a transfer that
resulted in an advance on your Home Equity Line of Credit, after we hear from
you, we cannot try to collect any advance on your account’s Home Equity Line of
Credit you question, or report you as delinquent.
We can continue to bill you for the
amount you question, including finance charges, and we can apply any unpaid
amount against your credit limit. You do
not have to pay any questioned advance on your account’s Home Equity Line of
Credit while we are investigating, but you are still obligated to pay the
advances that are not in question. If we
find that we made a mistake, you will not have to pay any finance charges
related to the questioned advance(s).
If we didn’t make a mistake, you may
have to pay finance charges, and you will have to make up any missed payments
on the questioned advance(s). In either
case, we will send you a statement of the amount you owe and the date that it
is due. If you fail to pay the amount
that we think you owe, we may report you as delinquent.
However, if our explanation does not
satisfy you and you write to us within ten(10) days telling us that you still
refuse to pay, we must tell anyone we report you to that you have a question
about your bill. And, we must tell you
the name of anyone we reported you to.
We must tell anyone we report you to that the matter has been settled
between us when it finally is.
STOP PAYMENTS
The transactions you perform on Web-24 are "real time"
transactions and cannot be canceled except by performing corresponding reverse
transactions. If you transfer money into a third party account, transfer money
into your club accounts, or make payments on your loan accounts, you will not
be able to reverse those transactions.
If you have arranged with the Credit Union in advance to make regular periodic
payments out of your account, you can stop any of those payments by following
these procedures:
1.) Call or write the Credit Union at the telephone number or address set forth
above in time for it to be received three (3) or more business days before the
payment is scheduled to be made.
2.) If you call, the Credit Union may require you to put your request in
writing so that it reaches the Credit Union within 14 days after you call.
If you order us to stop one of these payments three (3) business days or more
before the transaction is scheduled, and we do not do so, we will be liable for
any returned check fees resulting from our failure to perform the transaction.
AUTHORIZATION TO OBTAIN INFORMATION
You agree that we may obtain and
review your credit report or other information about you from an authorized
credit bureau or other person.
COORDINATION
OF AGREEMENTS
These Disclosures and Agreements
constitute the agreement between you and us related to the Service and supplement
any other agreement or disclosure related to any of your accounts.
In the event of a conflict between
these Disclosures and Agreements and any other agreement or disclosure related
to any of your accounts, any statement by our employees or agents, or any
representation or statement relating to or set forth in the Software, as to
matters relating to the Service, these Disclosures and Agreements shall
control.
ACKNOWLEDGMENT
OF EXISTING ACCOUNT DISCLOSURES AND AGREEMENTS
You understand and agree that all
terms and conditions associated with your accounts as provided in the account
Disclosures and Agreements shall apply and are in full force and effect when
accessing your accounts via Web-24.
ACKNOWLEDGMENT
OF DISCLOSURES
You agree that by using the Web-24 Service or allowing another to
access your account(s) via Web-24,
that you have received a copy of, and agree to be bound by the Disclosure and
Agreements of the most recent Account Disclosures and Agreements and Web-24 Disclosures and Agreement.
NO
UNILATERAL ALTERATIONS TO DISCLOSURES AND AGREEMENTS BY YOU
These Disclosures and Agreements may
not in any way be altered by you without our express written agreement. Any attempt by you to alter these Disclosures
and Agreements without our express written agreement shall be void and shall
have no legal effect.
You hereby agree to indemnify and
hold us harmless from and against any and all claims, losses, liabilities,
penalties, expenses and any or other damages
to the extent otherwise authorized by law, directly or indirectly
resulting from, relating to or arising in connection with any successful or
unsuccessful attempt by you to alter these Disclosures and Agreements without
our express written agreement.
WAIVERS
No delay or omission by us in
exercising any rights or remedies under these Disclosures and Agreements shall
impair such right or remedy or be construed as a waiver of any such right or
remedy. Any single or partial exercise
of a right or remedy shall not preclude further exercise of that right or
remedy or the exercise of any other right or remedy. No waiver shall be valid unless in writing
signed by us.
ASSIGNMENT
You may not assign these Disclosures
and Agreements, or any of your rights or responsibilities under these Disclosures
and Agreements, to any other party. We
may assign these Disclosures and Agreements to any or all of our rights and/or
responsibilities under these Disclosures and Agreements, or delegate any or all
of such rights and responsibilities, to any third party or parties.
GOVERNING LAW
These Disclosures and Agreements
shall be governed by and construed in accordance with the laws of
HOLD HARMLESS
You shall indemnify, which includes
payment of the credit union’s attorney’s fees and court costs and hold harmless
the credit union and/or its officers, directors, employees, successors, and
assigned from and against any and all claims, demands, liabilities, causes of
actions, complaints, awards and/or judgments for damages of any type and kind
of any third party or entity which may arise or are connected with your use of
the Service and/or the terms of this Disclosure and Agreement. This indemnification and hold harmless
provision shall survive and be in full force and effect subsequent to the
termination of this Disclosure and Agreement.
ATTORNEY’S FEE
In any action, at law or in equity
including arbitration, or mediation, which is commenced to either enforce or
interpret the terms of this Disclosure and Agreement, the prevailing party
shall be entitled to recover its reasonable attorney’s fees and court costs from
the other party. The right of the
prevailing party to recover said fees shall survive and be in full force not withstanding the termination of this Disclosure and
Agreement.
DATA RECORDING
When you use the Service to go
online with us, transfer, account inquiry, electronic message, or other
information you enter will be recorded.
By using the Service, you consent to such recording.
SEVERABILITY
If any provision of these
Disclosures and Agreements is determined to be void or invalid, the remainder
of these Disclosures and Agreements, as the case may be, shall remain in full
force and effect.
HEADINGS
The Section headings used in these
Disclosures and Agreements are for convenience only and shall not be held to
limit or affect the terms of these Disclosures and Agreements.
TERMINATING THIS AGREEMENT
You can terminate this Agreement at
any time by notifying us in writing and ceasing to use your PIN/Password to
access Web-24. We can also terminate this Agreement at any
time for violation of this Agreement. Whether you terminate the Agreement or we
do, the termination does not affect your obligations under this Agreement, even
if we allow any transaction to be completed with your PIN/Password after this
Agreement has been terminated.
CHANGING THIS AGREEMENT
The Credit Union reserves the right
to modify the terms of this Agreement from time to time as deemed necessary. We
will notify you at least 30 days before the change will take effect if the
change will cause you a greater cost or liability or if it will limit your
access to Web-24. You will be notified of the changes in the
Credit Union’s monthly newsletter and/or in a special mailing to members with
access to Web-24. We do not have to notify you in advance,
however, if the change is for security reasons.
To complete an application for Web-24, you must agree to these terms
and conditions.
BILL PAYING AGREEMENT/DISCLOSURE
This is your bill paying agreement with Summit Federal Credit Union.
You may use Summit Federal Credit Union's (Summit FCU) bill paying service,
through Web-24, to direct Summit FCU
to make payments from your designated checking account to the “Payees” you
choose in accordance with this agreement. The terms and conditions of this
agreement are in addition to the account agreements, disclosures, and other
documents in effect from time to time governing your account (The Account
Rules).
"You" or "Your" means each person who is authorized to use
the service. "Payee" means anyone, including the Financial
Institution, you designate and the Financial Institution accepts as a “Payee”.
ACCESSING THE SERVICE
• When you complete your bill paying enrollment form, you will select a User
I.D. and a Personal Identification Number (PIN).
• The Financial Institution will make every effort to accommodate your request.
• Each time you access the service, you will be asked to enter your User I.D.
and PIN.
• Three (3) incorrect login attempts will cause the account to be locked out.
HOW TO SET UP PAYEES/PAYMENTS
• If you want to add a new “PAYEE,” select the “Payee” tab located in your Bill
Pay application or speak to a service representative.
• You may add a new fixed payment to a “Payee” by accessing the service and
entering the appropriate information. Most other additions, deletions, or changes
can be made in writing or by using the service.
• Summit FCU reserves the right to refuse the designation of a “Payee” for any
reason.
• You may pay any “Payee” with-in the United States (including U.S. territories
and APO’s / AEO’s).
• Summit FCU is not responsible for payments that cannot be made due to
incomplete, incorrect, or outdated information.
THE BILL PAYING PROCESS
Single Payments – a single payment will be processed on the business day
(generally Monday through Friday, except certain holidays) that you designate
as the payment’s process date, provided the payment is submitted prior to the
daily cut-off time on that date. The daily cut-off time, which is controlled by
the Financial Institution, is currently 2:00 pm ET.
A single payment submitted after the cut-off time on the designated process
date will be processed on the next business day. If you designate a
non-business date (generally weekends and certain holidays) as the payment’s
process date, the payment will be processed on the first business day following
the designated process date.
Recurring Payments - When a recurring payment is processed, it is automatically
rescheduled by the system. Based upon your selected frequency settings for the
payment, a process date is calculated for the next occurrence of the payment.
If the calculated process date is a non-business date (generally weekends and
certain holidays), it is adjusted based upon the following rules:
• If the recurring payment‘s “Pay Before” option is selected, the process date
for the new occurrence of the payment is adjusted to the first business date
prior to the calculated process date.
• If the recurring payment’s “Pay After” option is selected, the process date
for the new occurrence of the payment is adjusted to the first business date
after the calculated process date.
Note: If your frequency settings for
the recurring payment specify the 29th, 30th, or 31st as a particular day of
the month for processing and that day does not exist in the month of the
calculated process date, then the last calendar day of that month is used as
the calculated process date.
SINGLE AND RECURRING PAYMENTS
The system will calculate the Estimated Arrival Date of your payment. This is
only an estimate. Please allow ample time for you payments to reach your
“Payees.”
CANCELLING A PAYMENT
A bill payment can be changed or cancelled any time prior to the cutoff time on
the scheduled process date.
AVAILABLE FUNDS
You agree to have available and collected funds on deposit in the account you designate
in amounts sufficient to pay for all bill payments requested, as well as any
other payment obligations you have to the Financial Institution.
• Summit FCU reserves the right, without liability, to reject or reverse a bill
payment if you fail to comply with the above requirement or any other term of
this agreement.
• If you do not have sufficient funds in the account and Summit FCU has not
exercised its right to reverse or reject a bill payment, you agree to pay for
such payment obligations on demand.
• You further agree that Summit FCU, at its option, may charge any of your
accounts with Summit FCU to cover such payment obligations.
Summit FCU reserves the right to change the cut-off time. You will receive
notice if it changes.
LIABILITY
• You are solely responsible for controlling the safekeeping of and access to
your Personal Identification Number (PIN).
• If you want to terminate another person's authority, you must notify Summit
FCU and arrange to change your PIN.
• You will be responsible for any bill payment request you make that contains
an error or is a duplicate of another bill payment.
• Summit FCU is not responsible for a bill payment that is not made if you did
not properly follow the instructions for making a bill payment.
• Summit FCU is not liable for any failure to make a bill payment if you fail
to promptly notify Summit FCU after you learn that you have not received credit
from a “Payee” for a bill payment.
• Summit FCU is not responsible for your acts or omissions or those of any
other person, including, without limitation, any transmission or communications
facility, and no such party shall be deemed to be Summit FCU's agent.
• In any event, Summit FCU will not be liable for any special, consequential,
incidental, or punitive losses, damages, or expenses in connection with this
agreement or the service, even if the Financial Institution has knowledge of
the possibility of them.
• Summit FCU is not liable for any act, failure to act, or delay in acting if
it is caused, in whole or in part, by any cause beyond Summit FCU's reasonable
control.
AMENDMENT TERMINATION
Summit FCU has the right to change this agreement at any time by notice mailed
to you at the last address shown for the account on the Financial Institution's
records, by posting notice in branches of the Financial Institution, or as
otherwise permitted by law.
• Summit FCU has the right to terminate this agreement at any time.
• You may terminate this agreement by written notice to Summit FCU.
• Summit FCU is not responsible for any fixed payment made before Summit FCU
has a reasonable opportunity to act on your termination notice.
• You remain obligated for any payments made by Summit FCU on your behalf.
SERVICE FEES
The fee for the Bill Paying Service is: currently at NO COST per month, for an
unlimited number of monthly payments.
Additional charges for member requested services and other items: currently at
NO COST. There will be NO CHARGE for any item if needed to correct a Financial
Institution error.
• Written Correspondence to “Payee” : $10.00 per letter to recipient of payment
• Per proof of payment not necessitated by a dispute: $10.00 per standard proof
of payment (i.e., copy of cancelled check) delivered to merchant.
• Payments Returned due to member error: $5.00 per payment returned.
• Cancellation Fee: $7.50 per cancellation of each request for payment before
disbursement.
• ACH Return Fee: $10.00 per item.
• Express Mail correspondence: $15.00 per letter.
• Overdraft Fee: $25.00 per item.
Miscellaneous Product Fees
• Overnight Fee: 14.95.
• 2nd Day Fee: 9.95.
• Charitable Donations: 1.99.
• Gift Pay: 2.99.
Summit FCU reserves the right to charge you for research time involving
payments no longer available in your screen history.
You will be informed of any such charges before they are incurred. Bill
payments are processed by Electronic Fund Transfers (EFT). Please see the
Electronic Fund Transfers Disclosure Statement included, or received when you
opened your account, which discloses important information concerning your
rights and obligations.
TEXT
BANKING TERMS OF SERVICE
1. When you opt-in to the service, we will
send you an SMS message to confirm your signup.
2.
You can cancel the SMS service at any time.
Just text "STOP" to 330-538-8445. After you send
the SMS message "STOP" to us, we will send you an SMS message
to confirm that you have been unsubscribed. After this, you will no longer
receive SMS messages from us.
If
you want to join again, just sign up as you did the first time, and we will
start sending SMS messages to you again.
3. If at any time you forget what keywords
are supported, just text "HELP" to 330-538-8445
4. After you send the SMS message "HELP"
to us, we will respond with instructions on how to use our service as well as
how to unsubscribe.
5.
We are able to deliver messages to the following mobile phone carriers:
MAJOR
CARRIERS: AT&T,
Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Alltel, Boost Mobile,
Nextel, and Virgin Mobile.
MINOR
CARRIERS: Alaska
Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular,
Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania,
Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi
PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart
Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri),
Illinois Valley Cellular, Inland Cellular, iWireless
(Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic
(Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas
RSA 3 Ltd), Revol, RINA, Simmetry
(TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).
6.
As always, message and data rates may apply for any messages sent to you from
us and to us from you. Other than responses to your banking
inquiries, we will not send you more than 4 messages per month. If you have any
questions about your text plan or data plan, it is best to contact your
wireless provider.
For
all questions about the services provided by this short code, you can send an
email to postmaster@summitfcu.com
7. If you have any
questions regarding privacy, please read our privacy policy:
http://www.summitfcu.com/disclosures.aspx
TEXT
BANKING PRIVACY POLICY
The
SFCU Text Banking application and the associated SFCU Text Banking website
available at www.summitfcu.com (“SFCU Text Banking”) are owned and operated by
Summit Federal Credit Union ("us" "we" or "our").
This SFCU Text Banking privacy policy (the "Privacy Policy") is
intended to inform you of our policies and practices regarding the collection,
use, and disclosure of any information you submit to us through SFCU Text
Banking. This includes "Personal Information," which is information
about you that is personally identifiable such as your name, e-mail address,
user ID number, and other non-public information associated with the foregoing,
as well as "Anonymous Information," which is information that is not
associated with or linked to your Personal Information and does not permit the
identification of individual persons.
USER
CONSENT
By
accessing or otherwise using SFCU Text Banking, you agree to the terms and
conditions of this Privacy Policy and the associated Terms of Service http://www.summitfcu.com/disclosures/SFCUTextBankingPrivacyPolicy.pdf. You expressly consent to the processing of
your Personal Information and Anonymous Information according to this Privacy
Policy. Your Personal Information may be processed by us in the country where
it was collected as well as other countries (including the United States) where
laws regarding processing of Personal Information may be less stringent than
the laws in your country.
REGARDING
CHILDREN
Children
under the age of 13 are not permitted to use SFCU Text Banking, and we do not
intentionally collect or maintain Personal Information from those who are under
13 years old. Protecting the privacy of
children is very important to us. Thus, if we obtain actual knowledge that a
user is under 13, we will take steps to remove that user's Personal Information
from our databases. We recommend that children between the ages of 13 and 18
obtain their parents’ permission before submitting information over the
internet. By using SFCU Text Banking, you are representing that you are at
least 18 years old, or that you are at least 13 years old and have your
parents' permission to use SFCU Text Banking.
COLLECTION
AND USE OF PERSONAL INFORMATION
In
general, we collect Personal Information that you submit to us voluntarily
through SFCU Text Banking. We also collect information that you submit in the
process of creating or editing your account and user profile on SFCU Text
Banking. For example, our registration and login process requires you to
provide us with your name, valid email address, and password of your choice. When
you personalize your profile and use the features of SFCU Text Banking, we will
collect any information you voluntarily provide, and we may also request
optional information to support your use of SFCU Text Banking, such as your
year of birth, gender, and other demographic information. We collect
information in the form of the content that you submit during your use of SFCU
Text Banking, such as photos, comments, ratings, and other information you
choose to submit.
COLLECTION
AND USE OF PERSONAL INFORMATION FROM OTHER SOURCES
We
may receive Personal Information about you from other sources with which you
have registered, companies we have partnered with (collectively,
"Partners"), or other third parties. We may associate this
information with the other Personal Information we have collected about you.
INFORMATION
COLLECTED VIA TECHNOLOGY
As
you use SFCU Text Banking, certain information may also be passively collected
and stored on our or our service providers' server logs, including your
Internet protocol address, browser type, and operating system. We also use
Cookies and navigational data like Uniform Resource Locators (URL) to gather
information regarding the date and time of your visit and the solutions and
information for which you searched and viewed, or from the advertisements
displayed on SFCU Text Banking on which you clicked. This type of information
is collected to make SFCU Text Banking and solutions more useful to you and to
tailor the experience with SFCU Text Banking to meet your special interests and
needs.
An
"Internet Protocol Address" or "IP Address" is a number
that is automatically assigned to your computer when you use the Internet. In
some cases, your IP Address stays the same from browser session to browser
session; but if you use a consumer internet access provider, your IP Address
probably varies from session to session. For example, we, or our service
providers, may track your IP Address when you access SFCU Text Banking to
assist with ad targeting.
"Cookies"
are small pieces of information that a website sends to your computer's hard
drive while you are viewing a website. We may use both session Cookies (which
expire once you close your web browser) and persistent Cookies (which stay on
your computer until you delete them) to provide you with a more personal and
interactive experience with SFCU Text Banking. Persistent Cookies can be
removed by following your Internet browser help file directions. In order to
use our services offered through SFCU Text Banking, your web browser must
accept Cookies. If you choose to disable Cookies, some aspects of SFCU Text
Banking may not work properly, and you will not be able to receive our
services.
USE
AND DISCLOSURE OF INFORMATION
Except
as otherwise stated in this Privacy Policy, we do not generally sell, trade,
rent, or share the Personal Information that we collect with third parties,
unless you ask or authorize us to do so.
We
may provide your Personal Information to third-party service providers who work
on behalf of or with us to provide some of the services and features of SFCU
Text Banking and to help us communicate with you. Examples of such services
include sending email, analyzing data, providing marketing assistance,
processing payments (including credit card payments), and providing customer
service. We require our third-party service providers to promise not to use
such information except as necessary to provide the relevant services to us. We
may share some or all of your Personal Information with our third-party
partners, those with whom we have a co-branding or promotional relationship, or
other third-parties about whom you are otherwise notified and do not request to
opt out of such sharing. This Privacy Policy does not cover the use of your
personally identifiable information by such third-parties. We do not maintain
responsibility for the manner in which third parties, including, without
limitation, social networks, other partners, and advertisers, use or further
disclose Personal Information collected from you in accordance with this
Privacy Policy, after we have disclosed such information to those third
parties. If you do not want us to use or disclose Personal Information
collected about you in the manners identified in this Privacy Policy, you may
not use SFCU Text Banking.
Although
we currently do not have a parent company, any subsidiaries, joint ventures, or
other companies under a common control, we may in the future, and we may share
some or all of your Personal Information with these companies, in which case we
will require them to honor this Privacy Policy.
In
the event we go through a business transition such as a merger, acquisition by
another company, or sale of all or a portion of our assets, your Personal
Information may be among the assets transferred. You acknowledge that such
transfers may occur and are permitted by this Privacy Policy, and that any
acquirer of ours or that acquirer's assets may continue to process your
Personal Information as set forth in this Privacy Policy.
We
may disclose your Personal Information if we believe in good faith that such
disclosure is necessary to (a) comply with relevant laws or to respond to
subpoenas or warrants served on us; or (b) to protect and defend our rights or
property, you, or third parties. You hereby consent to us sharing your Personal
Information under the circumstances described herein.
THE
ABILITY OF OTHERS TO VIEW YOUR INFORMATION
Helping
you to protect your information is a vital part of our mission. It is up to you
to make sure you are comfortable with the information you choose to provide us
and the information you choose to publish. We will not have any obligations
with respect to any information that you post to parts of SFCU Text Banking
which are available to others, and recommend that you use caution when giving
out Personal Information to others in public forums online or otherwise. We
also share the information you publish with other third parties.
THIRD PARTY SITES AND ADVERTISING
SFCU
Text Banking may contain links to other websites. Please be aware that we are
not responsible for the privacy practices or the content of such other
websites. We encourage our users to read the privacy statements of each and
every website they visit. This SFCU Text Banking Privacy Policy applies solely
to information collected by us through SFCU Text Banking and does not apply to
these third-party websites. The ability to access information of third-parties
from SFCU Text Banking, or links to other websites or locations, is for your
convenience and does not signify our endorsement of such third-parties, their
products, their services, other websites, locations, or their content.
YOUR
CHOICES REGARDING YOUR PERSONAL INFORMATION
We
offer you choices regarding the collection, use, and sharing of your Personal Information.
When you receive promotional communications from us, you may indicate a
preference to stop receiving further promotional communications from us and you
will have the opportunity to "opt-out" by following the unsubscribe
instructions provided in the promotional e-mail you receive or by contacting us
directly (please see contact information below).
Despite
your indicated email preferences, we may send you administrative emails
regarding SFCU Text Banking, including, for example, administrative confirmations,
and notices of updates to our Privacy Policy if we choose to provide such
notices to you in this manner.
You
may change any of your profile information by editing it in the profile
settings page. You may request deletion of your Personal Information by
contacting us at postmaster@summitfcu.com
, but please note that we may be required (by law or otherwise) to keep
this information and not delete it (or to keep this information for a certain
time, in which case we will comply with your deletion request, only after we
have fulfilled such requirements). When we delete Personal Information, it will
be deleted from the active database, but may remain in our archives.
FEEDBACK
If
you provide feedback to us, we may use and disclose such feedback for any
purpose, provided we do not associate such feedback with your Personal
Information. We will collect any information contained in such feedback and
will treat the Personal Information in it in accordance with this Privacy
Policy. You agree that any such comments and any email we receive becomes our
property. We may use feedback for marketing purposes or to add to or modify our
services without paying any royalties or other compensation to you.
SECURITY
We
are committed to protecting the security of your Personal Information. We use a
variety of industry-standard security technologies and procedures to help
protect your Personal Information from unauthorized access, use, or disclosure.
Even though we have taken significant steps to protect your Personal
Information, no company, including us, can fully eliminate security risks
associated with Personal Information.
CONTACT
AND REVISIONS
If you have questions or concerns
about our Privacy Policy, please contact us at: postmaster@summitfcu.com This Privacy Policy is subject to
occasional revision at our discretion, and if we make any substantial changes
in the way we use your Personal Information, we will post an alert on this
page. If you object to any such changes, you must cease using SFCU Text
Banking. Continued use of SFCU Text Banking following notice of any such
changes shall indicate your acknowledgement of such changes and agreement to be
bound by the terms and conditions of such changes.
Rev. 3/15