Online Privacy Notice

Introduction

At tnConnect Credit Union ("tnConnect", "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 the Credit Union's websites, our online banking platform, and mobile applications (collectively, the "Sites"). We ask that you read this Policy carefully. By using any of the Sites, you consent to this Policy.

Changes 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 bottom 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 tnConnect's Financial Privacy Notice, available at www.tnconnectcu.org/financial-privacy-notice. We'll use and share any information that we collect from or about you in accordance with that Financial Privacy Notice.

Information We Collect

Personal Information

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

  • Any other identifier that permits physical or online contact with you

Device and Usage Information

We may collect and store the following information about your visit:

  • Internet protocol ("IP") address from which you access our Site(s)

  • Type of browser and operating system used to access our Site(s)

  • Unique identifier of the device from which you access our Site(s) and other device-identifying technical data

  • Date and time you access our Site(s)

  • Internet address of the site from which you linked directly to our Site(s)

  • Pages you visit and the information you request

How We Use Your Information

We use the information we collect for various purposes, including:

  • To Provide Services: Operate, maintain, and provide you with the features and functionality of the App and Site

  • To Improve Services: Understand and analyze how you use our App and Site, develop new products, services, and features

  • To Communicate: Send you transactional, promotional, and informational communications

  • To Ensure Security: Protect against unauthorized access, fraud, and abuse

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. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google by searching Google for "How Google uses information from sites or apps that use our services".

Third-Party Advertisers

The Credit Union contracts with partners or additional third-party advertisers to advertise our Sites on sites and mobile apps not affiliated with us. We may use Aggregated and De-identified Data and information provided by you to these third-party sites and mobile apps to select which of our advertisements or offers may appeal to you, display them to you and monitor your responses. Third-party sites and mobile apps are not subject to our Online Privacy Policy. Please visit the individual sites and mobile apps for additional information on their data and privacy practices and opt-out policies.

Tracking Technologies

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. 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.

Web Beacons

Pages of our Sites and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Credit Union, for example, to count users who have visited those pages or opened an email and for other related Sites statistics (for example, recording the popularity of certain Sites content and verifying system and server integrity).

Do Not Track Signals

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.

Data Security

The Credit Union is committed to protecting your personal information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your Personal Information.

Children's Online Privacy Protection Act (COPPA)

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. The Credit Union 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](https://www.ftc.gov) for more information about COPPA.

Mobile 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).

The Credit Union Cards app periodically collects, transmits, and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes the collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User's selection. The End User can change their location permissions at any time in their device settings.

Information Sharing and Disclosure

We may share your information with:

  • Service Providers: Third-party vendors who perform services on our behalf, such as payment processing, data analysis, email delivery, and hosting services.

  • Legal Obligations: When required by law or in response to valid legal requests.

  • Business Transfers: In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business.

Your Choices

You have certain choices regarding your personal information:

  • Access and Correction: You may request access to or correction of your personal information.

  • Opt-Out: You may opt-out of receiving promotional communications from us by following the instructions in those communications.

  • Location Data: You can disable location-based services on your mobile device.

Links to Other Sites

The Credit Union's website may contain links to other sites that the Credit Union does not own or operate. If you click on these links, you will be leaving the Credit Union's website. Since these links are not under the control of the Credit Union, 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 the Credit Union. 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 the Credit Union. Your decision to click on and visit these linked websites is at your own risk.

Data Safety

We are committed to ensuring that the information you provide is secure. We have implemented appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect through our mobile app. These measures include encryption, firewalls, and secure socket layer technology (SSL).

App Tracking Transparency

If our app tracks users, we comply with Apple's App Tracking Transparency (ATT) framework. We will request your explicit consent before tracking your activity across other companies' apps and websites.

Contact Us

If you have any questions or concerns about this Privacy Notice, please contact us at:

tnConnect Credit Union
PO Box 52990
Knoxville, TN 37950

Phone: (865) 688-2424

Last Updated: 06/08/2024