| FACTS | WHAT DOES LANDMARK CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? |
| Why? | 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. |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|
| Reasons we can share your personal information | Does Landmark 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 | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes -information about your transactions and experiences | No | We don't share |
| For our affiliates’ everyday business purposes -information about your creditworthiness | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
| Questions? | Contact Us |
| What we do | |
|---|---|
| How does Landmark 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 Landmark Credit Union collect my personal information? | We collect your personal information, for example, when you
|
| Why can't I limit all sharing? | Federal law gives you the right to limit only
|
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
Effective December, 2017
Digital Banking Privacy Policy
Landmark Credit Union Mobile Application and Digital Banking (“Digital Banking”) – 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.
Digital Banking 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 Digital Banking’s website and mobile application (the “Services”).
The Types Of Information We Collect
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, device settings, mobile device carrier, radio/network information (e.g., WiFi, 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.
- To enable some optional features, you may be asked to grant permission to access your device contacts, camera, or photos.
- 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 Digital Banking application 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
(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 Digital Banking, 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;
- camera or photo access to facilitate some transactions such as mobile deposit or to allow customization of your profile
- access to your contacts to facilitate digital transactions such as transfers
- 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 and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.
(c) Creation of Non-Identifiable Data. Digital Banking 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.
Browsing
When you visit our website, we gather information such as page or URL requests, time of your visit, your IP address, operating system, web browser software, and any cookies set during a previous visit to our site. We use this information to improve your overall experience. We use cookies to help with navigation through our web pages; they are not used to gather any personal information about users.
Cookies
Cookies are an element of data used to help remember information about website visitors, sent between a server and a web browser to help facilitate the use of a website and to help understand how a website is being used. A cookie is useful for having the browser remember specific information across several pages or between visits to a website. Cookies do not store personally identifiable information or any sensitive information. Cookies are a common technology and most web browsers automatically accept cookies by default. If you do not wish to accept cookies, refer to the settings of your browser or online help for further instruction and information on setting and clearing cookie preferences. Please note that in the event you choose to delete cookies or do not accept them, the performance and functionality of the website may be affected.
Our website makes use of cookies for the following purposes:
- Website administration and personalization
- Authentication
- Completing your request
- Analysis of page and website information that does not identify specific individuals
Pixels
Our emails may contain a single, unique “web beacon pixel” to tell us whether our emails have been opened and verify any clicks on the links within our email(s). We may use this information for determining which of our emails are more interesting to you and which users who do not open our emails wish to continue receiving them. The pixel is deleted when you delete the email. If you do not wish the pixel to be downloaded to your device, please select to receive emails from us in plain text rather than HTML, choose not to click links that we send you, or unsubscribe from the receipt of our emails. Pixel-related information may be connected to your personal identity.
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 Digital Banking, 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 Digital Banking, 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 Digital Banking.
(c) Authorities and Others. Regardless of any choices you make regarding your personal information, Digital Banking 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
Digital Banking may contain links to third party websites. When you click on a link to any other website or location, you will leave Digital Banking and go to another site and another entity may collect personal and/or anonymous information from you. Digital Banking’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 take action 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 Digital Banking.
Interest-Based Advertising
We and/or our service providers use data collected about you over time across multiple websites or other sources to present targeted ads to you. This data may be collected on our websites and platforms, the websites and platforms of others, and may include information collected on applications. We and/or our service providers also use this data to help manage and optimize our Digital Services and communications to you. Ads may be for products or services we think are relevant based on your browsing habits, online activities, and/or other information. These ads may be about Landmark’s or other companies’ products and services. Interest-based advertising tools do not identify you personally, but are associated with the device being used and your internet activity, in order to serve these ads.
Landmark works with third-party advertising networks to distribute our advertisements on other websites and mobile applications. You may be able to control these advertisements through the settings on third-party platforms. Our ads may also be served in emails. These advertisements may use tracking technologies to capture certain data, such as your IP address, usage information, or your responsiveness to our advertisements.
Third parties may collect certain information on Landmark websites or other sites where Landmark advertises. These third parties might link your name or email address to other information they collect from certain third-party websites you may visit. We permit certain third-party partners to collect non-personally identifiable information in order to facilitate a more tailored experience as well as to track the efficiency of any partnership. Please note that Landmark does not have control over third party partner data collection policies, nor does Landmark have any visibility to the individual’s data that is collected. Even when opting out of receiving these types of ads or email communications, you may still see advertising in particular environments regardless of the exclusion measures we can control.
Opting out of Interest-Based Advertising
You can opt out of receiving interest based ads from third parties who are members of the Network Advertising Initiative (NAI) or who follow the Digital Advertising Alliance’s Self-Regulatory Principles for Online Behavioral Advertising by visiting the opt out pages on the NAI website(Opens in a new window) and DAA website(Opens in a new window). You can learn more about limiting the amount of online and mobile advertising you receive by visiting the Your Ad Choices website(Opens in a new window).
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 Digital Banking, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through Digital Banking 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 Digital Banking’s data collection or processing practices, or if you want to report any security violations to Digital Banking, please contact Digital Banking by email at: [email protected] or by mail at:
LANDMARK CREDIT UNION
Attn: Member Service Dept.
P.O. Box 510870
New Berlin, WI 53151-0870
Effective December, 2023