Privacy Policy
Rev. Date 07/01/2020
| FACTS |
What Does On Tap Credit Union Do With Your Personal Information? |
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| 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. |
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| What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our member, we continue to share your information as described in this notice. |
| How? | All financial companies need to share non-public personal information to run their everyday business. In the section below, we list the reasons financial companies can share their non-public personal information; the reasons On Tap Credit Union chooses to share; and whether you can limit this sharing. |
Reasons We Can Share Your Personal Information |
Does On Tap Credit Union Share? | Can You Limit This Sharing? |
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| 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 |
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For our marketing purposes –
To offer our products and services to you
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Yes | Yes |
| For joint marketing with other financial companies | No | N/A |
| For our affiliates’ everyday business purposes – Information about your transactions and experiences |
Yes | No |
| For our affiliates’ everyday business purposes – Information about your creditworthiness |
Yes | No |
| For our affiliates to market to you | No | N/A |
| For non-affiliates to market to you | Yes | Yes |
| To Limit Our Sharing |
Call 800.770.6414, 303.279.6414 or email us at inquire@OnTapCU.org Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
| Questions? | Call 800.770.6414 or 303.279.6414 |
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Who We Are |
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| Who is providing this notice? | On Tap Credit Union |
What We Do |
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| How does On Tap Credit Union protect my 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. We contractually require all third parties to meet our standards for safekeeping the confidentiality of our members’ financial information. |
| How does On Tap Credit Union collect my information? |
We collect your personal information, for example, when you:
• Open an account or make an electronic transfer • Pay your bills or apply for a loan • Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| Why can’t I limit all sharing? |
Federal law gives you the right to limit only:
• Sharing for affiliates’ everyday business purposes – information about your creditworthiness • Affiliates from using your information to market to you • Sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. |
Definitions |
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| Affiliates | Companies related by common ownership or control. They can be financial and non-financial companies. We share information with our affiliates for the benefit of our members to provide Trust Services, Lending Services, Investment Services and Insurance Services. |
| Non‑Affiliates | Companies not related by common ownership or control. They can be financial and non-financial companies. We share information with non-affiliates for the benefit of our member to provide Shared Service Centers, Card Services and Online and Mobile Banking Services. |
| Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you. We enter into joint marketing agreements to provide our members Insurance Services, Auto Broker Services, Loan Services and Business Services. |
| Other Important Information | |
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For more information on our Privacy Policy, you can contact us at:
• By Mail: 816 Washington Ave., Golden, CO., 80401 • By Phone: 800.770.6414 or 303.279.6414 • By Email: inquire@OnTapCU.org • Our Website: www.OnTapCU.org In accordance with California law, On Tap Credit Union will not share information we collect about California residents with companies outside of On Tap Credit Union, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable California law.
Heat mapping and session recording Heat Mapping services are used to display the areas of a page where Users most frequently move the mouse or click. This shows where the points of interest are. These services make it possible to monitor and analyze web traffic and keep track of User behavior. Some of these services may record sessions and make them available for later visual playback. Mouseflow is a session recording and heat mapping service that collects information about the browser (type, version, screen size, etc.), basic information about the user (IP address, language, time zone), and data containing mouse movements, clicks, scroll events. No personal data is ever sent or shared between websites. This website uses Mouseflow, a third-party analytics tool, to track page content and click/touch, movement, and scroll activity. You can opt-out at http://mouseflow.com/opt-out On Tap Mobile Banking App Our app will never publicly disclose any personal and sensitive user data related to financial or payment activities or any government identification numbers. Access, collection, use, and sharing of personal and sensitive user data acquired through the app is limited to purposes directly related to providing and improving the features of the app. Depending on your personalized permissions settings, this app may have access to or request access to: Contacts
Location
Photos/Media/Files
Storage
Camera
Wi-Fi connection information
Other
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