MSEFCU Online & Mobile App Privacy Policy
At Merced School Employees Federal Credit Union (MSEFCU), we respect your right to privacy and understand the importance of maintaining the security of your personal information. This Online and Mobile App Privacy Policy outlines how we collect, use, and share information through our digital platforms, including www.mercedschoolcu.org, our cu@home Online Banking platform, and the MSEFCU Mobile App (collectively referred to as "Online/Mobile Banking Platforms"). By using any of these platforms, you consent to this policy.
This statement is in addition to MSEFCU'S Federal Privacy Policy and MSEFCU's Important Privacy Choices for Consumers. Information collected online is used and shared in accordance with these policies.
Information We Collect About You:
When using our Online/Mobile Banking Platforms, we may collect:
- Personal Information: First and last name, address, email, phone number, driver’s license image, Social Security Number, and more.
- Device and Usage Information: IP address, browser type, operating system, device identifier, location data, and analytics about platform use.
- Transaction and File Data: Financial data inputted or accessed through the platforms and photos submitted via Remote Deposit Capture (RDC).
How We Use Your Information
Collected data is used to:
- Provide and improve platform functionality and user experience.
- Facilitate secure financial transactions.
- Detect and prevent fraud or unauthorized access.
Online Banking Security
MSEFCU employs robust measures to protect your information, including SSL encryption, automatic timeouts, login protections, and advanced device recognition. To further safeguard your data, we encourage users to follow these online safety tips:
- Avoid sharing personal information in response to unsolicited messages.
- Create strong, unique passwords.
- Verify the security of websites by checking for "https" in the address bar.
For more tips, visit the Federal Trade Commission's Consumer Advice on Online Privacy and Security.
Cookies and Analytics
Our platforms use cookies to enhance user experience and functionality. These cookies allow us to remember your preferences, manage login sessions, and improve navigation. Additionally, we use Google Analytics to gather insights about platform usage, without collecting personally identifiable information. To learn more or opt out, visit Google's Ad Settings.
Mobile App Privacy Policy
The MSEFCU Mobile App adheres to the same principles outlined above. Key details specific to the app include:
- Data Collected: Identifiers (name, email, phone, etc.), device information, transaction data, and photos (e.g., RDC submissions).
- Data Use and Sharing: Data is used solely to support app functionality and security. Limited sharing with trusted service providers may occur for operational purposes.
For app-related inquiries, contact us at marketing@mercedschoolcu.org.
Retention and Deletion Policies
As a financial institution, MSEFCU complies with regulations requiring the retention of certain financial records. While we cannot fulfill individual deletion requests for this data, we ensure secure storage and limited use for authorized purposes. Contact us at info@mercedschoolcu.org.
Children's Online Privacy Protection Act (COPPA)
MSEFCU does not knowingly collect data from children under 13 without parental consent. Parents may review or request deletion of any collected information. For more information, visit the FTC website.
Disclaimer: Links provided on our platforms may direct you to third-party sites. MSEFCU is not responsible for the content, security, or privacy practices of these external websites.
