FinancialEdge Credit Union Online Privacy Policy

Last Updated | 7.20.2022

At FinancialEdge Credit Union ( “FinancialEdge”,“Credit Union”, “we”, “our”, “us”), we respect your privacy and understand the importance of maintaining the security of your personal information. This Online Privacy Policy (“Policy”) only relates to the information we collect online through https://www.electronicedge.org, our online banking platform and EdgeMobile our mobile banking application, and EdgeMobile CardControls (collectively, the “Sites”). We ask that you read this Policy carefully. By using any of the Sites, you consent to this Policy.

This Policy may be revised or modified at any time without notice to you, and any updates to this Policy will be posted on this page with the updated effective date appearing at the top of this page. Your use of the Site(s) following these changes means that you accept the revised Policy.

This statement is in addition to FinancialEdge Credit Union Federal Consumer Privacy Policy, available at www.finedgecu.org/privacy (“Federal Privacy Policy”). We will use and share any information that we collect from or about you in accordance with that Federal Privacy Policy.

What types of information do we collect about you?

When you visit our Sites, you may be asked to provide information about you that is personally identifiable (“Personal Information”). This may include:

• Your first and last name;
• A home or physical address (including street name or name of a city or town);
• An email address;
• A telephone number;
• A tax identification number; and
• Any other identifier that permits physical or online contact with you.

In addition, we may collect and store the following information about your visit: the internet protocol (“IP”) address from which you access our Site(s); the type of browser and operating system used to access our Site(s); the unique identifier of the device from which you access our Site(s) and other device-identifying technical data; the date and time you access our Site(s); the Internet address of the site from which you linked directly to our Site(s); and the pages you visit and the information you request.

What does FinancialEdge Credit Union do with your personal information?

To get more information about how FinancialEdge protects your personal information and what we can do with your personal information, click here to review our Privacy Notice.

California Residents

State laws and individual companies may give you additional rights to limit sharing. If you are California Resident and wish to know your rights, click here.

How do we use Google Analytics?

We use Google Analytics to better understand how users are visiting and using our Sites. We do not use Google Analytics to track, collect or upload any data that personally identifies an individual (such as name, address, or email address) or other data which can be reasonably linked to such information by Google. We do not receive personally identifiable information about users on our Sites. 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/.

How do we use Google AdWords?

We also use Google AdWords for online marketing purposes. Google AdWords allows us to advertise our Sites. In the future, we may use Google AdWords for additional features, such as to “remarket’, which means that we are able to reach people who previously visited our Sites. We may also use Google AdWords to reach target audiences based on Google AdWords features. For example, we may use it to reach users based on specific interest categories, similar audiences, or use other types of interest-based advertising and demographic and location targeting. We gather information about user’s information (such as your name, email address or address) for advertising purposes, and we do not share personally identifiable information with Google.

In conjunction with our use of Google AdWords, Google, or third-party vendors it uses, may show our advertisements on websites across the internet and may use cookies to deliver advertisements to you based on your past visit(s) to our Sites. For more information about cookies, see “What are cookies, and how do we use them?” below.

What are cookies, and how do we use them?

This website (www.electronicedge.org) “Cookies”. Cookies are small files containing limited data that are created when you access our Sites. Cookies can be accessed by our Sites to enhance your use of our Sites and their functionality. We use cookies to provide you with an improved and more personalized online service. Also, without revealing your identity, cookies help us confirm your identity and help us keep your transactions with us secure when you do your banking online. We also use cookies for various administrative purposes such as maintaining continuity during an online banking session, gathering data about the use of our Sites, or monitoring our online promotions. This information helps us inform you about additional products, services or promotions that may be of interest to you.

We do not use or associate personally identifiable information (such as your name, address, or email) with cookies, and cookies do not reveal personal information. Cookies are enabled by default to optimize website functionality and customize user experience. Users may elect to set your web browser to inform you when cookies are set or turn off cookies adjusting the appropriate settings on your browser. The USA.gov website (http://www.usa.gov/optout_instructions.shtml) provides general instructions on how to opt out of cookies or you may consult the HELP menu of your browser to learn how to turn your cookies off. Opting out or turning off cookies still permits users to access comparable information and services; however, it may take longer to navigate or interact with the website if a user is required to fill out certain information repeatedly.

Some of our business partners or associates (for example, advertisers) may use cookies on our site. However, we have no access to or control over those cookies. In conjunction with our use of Google AdWords (discussed above), Google, or third-party vendors it uses, may show our advertisements on websites across the internet. Google may also use cookies to deliver advertisements to you based on your past visit(s) to our Sites. You may opt out of Google’s use of cookies by visiting Google’s Ad Settings or opt-out of third party vendor’s use of cookies by visiting the Network Advertising Initiative Opt-Out Page. More information about how Google uses cookies is available here and here.

What do we do when your web browser sends a "Do Not Track" signal?

We do not acknowledge “Do Not Track” signals received from a user’s browser. We may still collect information even if you have set your browser to send a “Do Not Track” signal.

How do we protect your information, confidentiality, and security?

FinancialEdge is committed to protecting your personal information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your Personal Information. To review our Federal Privacy Policy, click here.

How can you make sure your information is accurate?

Keeping your account information accurate and updated is very important. If you are a registered online banking user, you may review and maintain your information by logging into the online banking platform and select “Profile” link.

You can also request and/or update your information by visiting a branch or by contacting us at our Member Solutions Team at 989-892-6088.

Children's Online Privacy Protection Act Disclosure

The Children’s Online Privacy Protection Act of 1998 (“COPPA”) restricts the collection, use, or disclosure of Personal Information from and about children under the age of 13 on the internet. CU1 is committed to protecting the online privacy of the children who visit our Sites and complying with COPPA.

In general, our Sites are not directed to children under the age of 13 and we request that children under the age of 13 not provide Personal Information through the Sites. We do not knowingly collect information from children under 13 without parental consent. We may collect information on domain names, dates and times of visits, and number of page views. This information contains no Personal Information and will only be used to continue to improve the overall value of our Sites. Please visit the Federal Trade Commission website www.ftc.gov for more information about COPPA.

Changes:

FinancialEdge reserves the right to make changes to this policy and its privacy policy at any given time by providing notice to its users on this page. It is strongly recommended to check this page often. If any user objects to any of the changes to this disclaimer and/or the privacy policy, the user may cease using this application and can request that the credit union remove the personal data. Unless stated otherwise, the then current privacy policy applies to all personal data the credit union has about users.

EdgeMobile App Information

Collected Information:
We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions).

Be advised that certain features of EdgeMobile may access your phones contacts, this includes, but may not be limited to Mobile Lending, FisDigitalPayments, Zelle, BillPay (with Contacts Import enabled), and other 3rd party web apps allowing to import user's contacts.

EdgeMobile CardControls App Information

The Controls & Alerts App periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send 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 Solution is being used or not at all, depending on the End User’s selection.  End Users can change their location permissions at any time in their device settings.

Links to other sites

FinancialEdge's website may contain links to other sites that FinancialEdge does not own or operate. If you click on these links, you will be leaving FinancialEdge s website. Since these links are not under the control of FinancialEdge, we are not responsible for the content, advertisements, claims, materials, products and/or services these sites may try and offer to you. The links are provided as a convenience to the visitors of the credit union's website. The inclusion of any site does not imply the recommendation or endorsement of FinancialEdge. We recommend that you review the privacy and security policy of the linked websites you choose to visit as it may differ from those of FinancialEdge. Your decision to click on and visit these linked websites is at your own risk.

Questions?

Please contact us with questions about this Policy at 989-892-6088 or write us at:

FinancialEdge Credit Union

1199 S. Euclid Ave

Bay City, MI 48706