Waypoint Federal Credit Union Privacy Policy
| 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:
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 customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Waypoint Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Waypoint 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? | Call us at: 860.886.0576 or go to www.waypointcu.org |
|---|
Who we are
| Who is providing this notice? | Waypoint Credit Union |
|---|
What we do
| How does Waypoint 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. Waypoint Credit Union regularly tests our security procedures and performs enhancements as needed to protect member information. |
|---|---|
| How does Waypoint Credit Union collect my personal information? | We collect your personal information, for example, when you
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
State laws and individual companies may give you additional rights to limit sharing. |
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.
|
Biometric Information Privacy Policy and Consent
Scope and Overview
This policy outlines how Waypoint Federal Credit Union, its vendors, and/or the licensor of Waypoint Federal Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.
Biometric Data Defined
As used in this policy, biometric data includes “biometric identifiers” and “biometric information.” “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a “biometric identifier.” “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.
Disclosure and Authorization Policy
To the extent that Waypoint Federal Credit Union, its vendors, and/or the licensor of Waypoint Federal Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, Waypoint Federal Credit Union must first:
Inform the consumer that biometric data is being collected
Waypoint Federal Credit Union, its vendors, and/or the licensor of Waypoint Federal Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the consumer’s biometric data, and Waypoint Federal Credit Union is providing such biometric data to its vendors and the licensor of its consumer verification software.
Inform the consumer of the purpose and length of time
The specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used.
Receive the consumer’s consent
Authorizing Waypoint Federal Credit Union, its vendors, and/or Waypoint Federal Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed, and for Waypoint Federal Credit Union to provide such biometric data to its vendors and the licensor of its consumer verification software.
Waypoint Federal Credit Union, its vendors, and/or the licensor of Waypoint Federal Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from a consumer’s biometric data; provided, however, that Waypoint Federal Credit Union’s vendors and the licensor of Waypoint Federal Credit Union’s consumer verification software may be paid for products or services used by Waypoint Federal Credit Union that utilize such biometric data.
This policy is intended to comply with all federal, state, and local laws.
Purpose for the Collection of Biometric Data
Waypoint Federal Credit Union, its vendors, and/or the licensor of Waypoint Federal Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.
Disclosure
Waypoint Federal Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of Waypoint Federal Credit Union’s consumer verification software providing products and services using biometric data without or unless:
Consent is obtained first
Waypoint Federal Credit Union first obtains consumer consent to such disclosure or dissemination.
The disclosure completes a requested transaction
The disclosed data completes a financial transaction requested or authorized by the consumer.
Disclosure is required by law
Disclosure is required by law or ordinance.
Disclosure is compelled by a court
Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.
Security
Waypoint Federal Credit Union shall use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which Waypoint Federal Credit Union stores, transmits and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license numbers and social security numbers.
Retention
Waypoint Federal Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of Waypoint Federal Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:
The purpose has been satisfied
The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity.
The consumer requests destruction
Request of consumer to destroy the biometric data.
Thirty days have passed
Within 30 days of the consumer’s provisioning of biometric data.
Contact Information
If you have any questions about our use, storage, or security of your biometric data you can contact us at support@waypointcu.org.
Biometric Information Consumer Consent
As outlined in the “Biometric Information Privacy Policy,” I understand and consent to the collection, use, retention, storage, and/or disclosure or re-disclosure of data or images from biometric verification technology by Waypoint Federal Credit Union, its vendors, and/or the licensor of Waypoint Federal Credit Union’s consumer verification software. I acknowledge that I have been given a copy of the Policy, or that the Policy has been made accessible to me, and I have had an opportunity to review it and request any additional information concerning Waypoint Federal Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.
Online Privacy
Waypoint Federal Credit Union is committed to preserving your online privacy. Your trust in Waypoint is very important and we want you to know that we are striving to maintain your trust. Please review the following information regarding your privacy.
1. Information Tracking
When you visit our site, the credit union may track information regarding your habits regarding the pages that you look at. A short text file called a cookie is downloaded to your computer. A cookie is used to store small amounts of information. This information is collected for traffic analysis only. The cookie does not contain personal details. Depending on the browser that you use, you can set your preferences to block or refuse cookies, and/or notify you before they are placed. Typically, this information will be gathered in aggregate of all visitors, so that we can continue providing content that is frequented most and replacing content that goes unvisited. Transactions and inquiries conducted through the Online or Mobile App will be tracked individually, and transactions will appear on your monthly statement.
2. Location and Device Tracking
Waypoint Federal Credit Union’s third-party partners may track general device and location data estimated from your IP address, network connections, or regional device settings. This information will never be sold and is generally used for fraud prevention monitoring purposes. This information may be shared with trusted third-party vendors who assist us in operating our platforms and are under strict confidentiality agreements. This information may also be shared if required to do so by law, or in response to a valid court order.
3. Information Sharing
Waypoint Federal Credit Union will not sell any personal information to any third party at any time. Waypoint Federal Credit Union may share information with business partners when deemed appropriate by the Board of Directors or Management staff. Some examples may be to offer group insurance rates to our members, or credit reporting agencies. From time to time we may offer other services through a business partner which requires disclosure of certain information, but only at your request. Signing up for or registering for any of these services may constitute your request.
4. Other Links
From time to time Waypoint Federal Credit Union may provide links to other web sites. Waypoint Federal Credit Union is not liable for content or availability of linked pages. Waypoint Federal Credit Union makes no assertion of privacy for links not under its domain. If you choose to display public information in any forum you should be aware that anyone can record and use that information. We do not control the actions of our users and visitors. We have no control of the privacy policies of business partners or other vendors. If you choose to email the credit union please do not include any information which is not public as email is NOT secure and is susceptible to interception.
5. Acceptance
By using the waypointcu.org web site or Waypoint Federal Credit Union’s online or mobile banking services you signify your acceptance of these Privacy Policies and Terms of Use. If you do not agree to these Terms of Use or Privacy Policy your only recourse is to not use these pages. We reserve the right to make changes to these policies at any time and without advanced notice.
Google Analytics
Waypoint uses Google Analytics, a service that uses “cookies” to track anonymous information regarding your activities on our website. This includes information about your visit including your device type, traffic source and geographic area, as well as pages visited and links clicked. Some behavioral data may be provided by Google “cookies” that shows your gender and age range. This data is used to better understand how visitors access our website and provide a better overall user experience.
Online Advertising
Waypoint Federal Credit Union may advertise services and products to you through third-party websites such as, but not limited to, social media, Google, or Bing. This includes advertisements displayed to previous Waypoint website visitors on third-party websites through the use of remarketing technologies. Third-party vendors such as AdRoll, and including Google, use cookies to serve ads based on a website visitor’s past visits to the Waypoint website. Any data collected will be used in accordance with Waypoint’s privacy policy and the third-party’s privacy policy. We do not collect any information through the use of Google’s or any other third-party remarketing system that can reveal your identity or access your computer. Remarketing services allow Waypoint to deliver you relevant advertisements based on your previous web viewing history.
You can opt out of Google’s use of cookies by visiting Google’s Ads Settings opens in a new tab, or opt out of additional third-party vendors’ use of cookies by visiting the Network Advertising Initiative opt-out page opens in a new tab.
Google AdWords & Remarketing
We use “cookies” to benefit our marketing campaigns. This includes tracking when campaigns result in a conversion, such as a user showing interest in a specific product. These “cookies” can also be used to present you with advertisements based on your actions on our website.
Facebook Pixel
We use the Facebook Pixel to track activity on our website, potentially including pages visited and links clicked. This data is used to track the effectiveness of our Facebook posts and advertisements, as well as to build remarketing audiences based on actions taken on our website.
We take your privacy seriously and ensure that no personally identifying information is stored in the “cookies.”
Cookies Opt Out
To opt out of Google’s cookies, visit Google Ads Settings opens in a new tab. To opt out of third-party cookies, visit the Network Advertising Initiative opt-out page opens in a new tab.
Online Account Deletion
Under Google Play’s account deletion policy, any Android application that supports online account creation must clearly communicate its data usage practices and provide a straightforward mechanism for users to delete their accounts.
Please note, your membership with the Credit Union will not be terminated through this process.
For assistance with deleting your online banking account and more information, contact us at 860-886-0576 or email support@waypointcu.org.
Member Fraud Alerts
Protecting our members against credit card fraud is a top priority at Waypoint.
Credit Card Call Numbers
For lost or stolen Waypoint Mastercard Debit cards please contact 1-800-472-3272 within the United States and 909-941-1398 when traveling outside of the United States, after regular business hours.
For Elan/Waypoint Credit cards please contact 1-800-558-3424. During business hours please call Waypoint at 1-860-886-0576.
Currently card issuers all across the country, including Waypoint, are being notified by Cardmember Service of an increased number of fraud prevention blocks being instituted. The increased blocks are being generated from gasoline, grocery and other retail purchases in many states.
Your credit and debit card activity is monitored 24/7 by Elan Financial Services’ Cardmember Service to help identify and prevent fraudulent transactions. Since Cardmember Service works 24/7, cards at risk of incurring fraudulent transactions are immediately blocked and a phone call is placed to the cardholder from Cardmember Service to verify recent transaction activity. Please be sure we have your correct home and mobile phone numbers on file.
If the transactions are verified and not determined to be fraudulent, Elan will at that point release the block. If Elan is unable to reach the cardholder, a message will be left requesting the cardholder respond by calling Elan at the number they leave.
Waypoint encourages members to regularly validate their credit card activity by logging onto myaccountaccess.com opens in a new tab for credit card challenges. Transactions determined to be fraudulent should immediately be reported by calling 1-800-558-3424.
International Credit/Debit
Credit or Debit Card International Use Restricted
To protect our members and the Credit Union from credit and debit card fraud, Waypoint has implemented additional RESTRICTIONS* on the international use of credit and debit cards issued by Waypoint. Please notify Waypoint that you’re traveling outside the United States or your Elan/Waypoint credit card and/or Mastercard debit card transactions could be denied while trying to make purchases in a foreign country. To place a notice before traveling, call Cardmember Service at 1-800-558-3424, at least one week before departure and provide both the dates and destinations. By notifying Cardmember Service in advance, steps may be taken to avoid your credit and/or debit card from being blocked against purchase transactions during your trip to certain restricted countries.
Waypoint Federal Credit Union has BLOCKED* the use of our VISA credit card in the following countries due to the high incidence of fraud in these areas:
All African nations, Eastern Europe, Burma (Myanmar), Cuba, Iran, Iraq, Israel, Italy, Mexico, North Korea, Philippines, Russia, Spain.
Your Waypoint cards WILL NOT work in these blocked countries, under any circumstances.
* Restrictions may change to meet emerging threats and fraud activity without prior notice.
Credit or Debit Card Domestic Use Restricted
Credit card and debit card fraud is showing a marked increase in certain areas of the country (for example Florida, California, Texas) and in certain merchant or merchandise categories (for example gas stations, discount stores, computers, electronics).
To protect our members and the Credit Union from credit and debit card fraud, Waypoint has implemented restrictions on the domestic use of credit and debit cards issued by Waypoint.
Transactions originating from certain states, for certain dollar limits, from certain types of merchants or certain product categories may be affected. Your Elan/Waypoint credit card and/or Mastercard debit card transactions could be denied while trying to make purchases in the affected categories.
Social Media Policy
Please contact our Marketing Department for details and questions regarding Waypoint Social Media channels.