Last Updated: March 2023

1. Introduction

Utah Community Federal Credit Union aka Utah Community Credit Union (“UCCU”) maintains privacy procedures to protect your personally identifiable information (“Personal Information”). We do not sell your personal information. However, there are some circumstances under which we share your data with third parties to offer you products and services as set forth below.

2. With Whom Do We Share the Information We Collect?

We may share your Personal Information with affiliates and third parties in accordance with the practices set forth in our Consumer & Customer Privacy Policy. We do not and will not sell your Personal Information. We may use or share Personal Information to enhance your experience on our sites, to offer products and services to you jointly with third-parties, to help deliver our ads on your web browser, and to measure advertising campaign effectiveness. We may also share your Personal Information as required to meet legal and regulatory obligations.

3. Keeping Your Information Accurate

It is important that we have accurate and up-to-date information about you. If you notice that your information is incomplete, inaccurate, or out of date, please contact us at (800) 453-8188 or visit a branch. You can also review and request changes to certain Personal Information such as your email address, mailing address, and telephone number on our Sites.

4. Policy Updates

We may change our policy from time to time. When we do, we will let you know by appropriate means, such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to our policy will become effective when posted unless indicated otherwise even if the “last updated” date is inadvertently incorrect. By using our site, you agree to frequently review this privacy policy and to remain abreast of changes made to it.

5. European Privacy Regulations

On May 25, 2018, privacy regulations from the European Union, known as the GDPR, took effect. The regulations are designed to protect privacy rights of residents of EU countries. By using our sites or any product or service of UCCU, you agree that UCCU is not governed by the GDPR and waive any claims under the GDPR. If required by law, UCCU may comply with GDPR requirements when applicable.

6. How You Can Control Your Information

Our Sites are designed for optimal viewing with cookies enabled (cookies are small text files that collect internet traffic data). For example, cookies store your preferences for when you visit our Sites. If your web browser settings allow cookies, our Sites will utilize them. You may disable or remove cookies by accessing your web browser settings. Our Sites will still function without cookies, but some features may not work properly. Please note that due to a lack of consistent standards across browsers, our Sites may not respond to “do not track” browser settings. We do not monitor your online activities after you leave our Sites.

We only use your Personal Information for certain purposes allowed by law (see Section 2 and refer to our Consumer & Customer Privacy Policy).

7. Children’s Privacy

We do not knowingly collect Personal Information from individuals under the age of 13 who use our Sites without obtaining consent from a parent or legal guardian. To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the National Credit Union Administration Regulatory Alert  or the Federal Trade Commission’s website.

8. Data Sharing

Although UCCU does not share your Personal Information with nonaffiliated third-party companies except as provided by our Consumer & Customer Privacy Policy. Sharing excludes text messaging originator opt-in data and consent, this information will not be shared with any third parties.

We are aware that you may choose to do so in order to use services of non-affiliated parties. UCCU encourages you to use caution when sharing access to your account as UCCU shall not be responsible for data breaches that occur due to you sharing your account access information or tools. UCCU does not control the privacy, security, or accuracy of your information that may be held by a third-party company. We are also not responsible for any fees associated with these third-party services.

When you provide your sign in credentials to your UCCU accounts to a third party, you will be deemed by us to have authorized all transactions or actions initiated by that third party using the access information you provided, whether or not you are aware of the specific transaction or action.

If you decide to revoke the access authority you previously gave to a third party, we strongly recommend that you change your UCCU password to ensure that the party cannot continue to access your account. For security and other reasons, UCCU reserves the right to block or disable third-party access to any account without notice but UCCU is not required to do so.

Additional information on our banking terms and conditions can be found here: https://www.uccu.com/disclosures/

9. Geolocation and Mobile Application Solutions

UCCU mobile apps may periodically collect, transmit, and use geolocation information for enabling features such as, but not limited to, card use and alerts to prevent fraudulent activities but only if you expressly authorize collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the feature(s) are being used or not at all, depending on your selection. You can change location permissions at any time in your device settings.

When you use the UCCU mobile application to perform person-to-person payments and similar funds transfers, you may authorize UCCU and its service provider to access your contact list names, email addresses, and phone numbers on the mobile app and your mobile device to facilitate your transactions. We will always ask for your permission before accessing your contact data for these transactions.

10. Notice for California Residents

If you are a California resident, you may have rights under the California Consumer Privacy Act of 2018 (CCPA) (see California Civil Code Section 1798.100 et seq.). Under the CCPA, covered businesses that collect the personal information of California residents must provide notice regarding their data collection and sharing practices. UCCU provides such notice in our online privacy policy combined with our Consumer and Customer Privacy Policy. For additional information about the CCPA, please see uccu.com/ccpa.