Your Right To Manage Your Online Digital Access

Online Privacy Policy 

Your privacy is important to us. This Online Privacy Policy explains how we collect, share, use, and protect information when you visit or use this Encompass online service. This policy covers Encompass Credit Union’s online services, including the Encompass Credit Union websites, Encompass Home Banking, Encompass mobile app, and Encompass-branded social media sites or pages, as well as any interactions you may have while viewing content provided through one of Encompass Credit Union’s digital advertising campaigns. 

As you review this Online Privacy Policy, here are a few general principles to keep in mind: 

  • Encompass online services are not intended for children under 13. We do not knowingly collect personal information from children under 13 without parental consent. For details about our handling of children’s personal information in connection with Encompass online services, please review our Children’s Privacy Policy. 

  • If you are a U.S. consumer and have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Policy notice, which offers you certain choices with respect to the use and sharing of your personal information. 

  • Encompass online services and our social media sites or pages may have additional terms from this policy about the privacy of your information. Please review the privacy policy for the specific online service you are using. 

  • If you have questions after reviewing this policy, please visit contact us at info@EncompassCU.org, or calling out contact center at (800) 675-8852. 

Information We Collect 

Personal Information 

When you visit or use our online services, we may collect personal information from or about you including your name, email address, mailing address, telephone number(s), account numbers, limited location information, user name and password. We may also collect payment card information, tax identification numbers, driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes. 

Usage and Other Information 

In addition to the personal information described above, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services. In addition, we may later associate the usage and other information we collect online with personal information about you. 

Encompass Online Services

For your convenience, Encompass Credit Union offers you the ability to access some of our products and services through mobile applications and mobile-optimized websites (“Encompass online services”). When you interact with us through these methods, we may collect information such as unique device identifiers for your mobile device, your screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device. We may ask your permission before collecting certain information (such as precise geo-location information) through these online services. 

Additional Sources of Information 

We may also collect information about you from additional online and offline sources including from co-branded partner sites or commercially available third-party sources, such as credit reporting agencies. We may combine this information with the personal and other information we have collected about you under this Online Privacy Policy. 

Use of Information 

We use the information discussed above in the following ways: 

  • Processing applications and transactions; 

  • Verifying your identity (such as when you access your account information); 

  • Preventing fraud and enhancing the security of your account or our online services; 

  • Responding to your requests and communicating with you; 

  • Managing your preferences; 

  • Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view; 

  • Providing you tailored content and marketing messages; operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions); 

  • Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and 

  • For any other purposes that we may specifically disclose at the time you provide or we collect your information. 

We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations. 

Disclosure of Information 

We may share the information we collect from and about you with our affiliates and other third parties as described below. In particular, we may share your information with: 

  • Encompass Credit Union third-party service providers; 

  • Other companies to bring you co-branded services, products or programs that you have requested; 

  • Third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger of Encompass Credit Union’s businesses; and Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties. 

Where appropriate, we will limit sharing of your information in accordance with the choices you have provided us. 

We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes. 

Understanding Cookies, Web Beacons and Other Tracking Technologies 

We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for the following purposes: fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services. 

  • “Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services. 

  • Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message— or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement. 

  • Local Shared Objects, sometimes referred to as “flash cookies” may be stored on your hard drive using a media player or other software installed on your device. Local Shared Objects are similar to cookies in terms of their operation, but may not be managed in your browser in the same way. 

Online advertising 

You will see advertisements when you use many of our online services. These advertisements may be for our own products or services (including pre-screened offers of credit) or for products and services offered by third parties. Which advertisements you see is often determined using the information we or our affiliates, service providers and other companies that we work with have about you, including information about your relationships with us (e.g., types of accounts held, transactional information, location of banking activity). To that end, where permitted by applicable law, we may share with others the information we collect from and about you as stated in this policy under Information We Collect. 

Linking to Third-Party Websites 

Encompass Credit Union may provide links to websites that are owned or operated by other companies ("third-party websites"). When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website. 

Security 

We use reasonable physical, electronic, and procedural safeguards that comply with legal and regulatory standards to protect and limit access to personal information. This includes device safeguards and secured files and buildings. 

Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your tax identification number) to us. To send us a document securely, please contact your local branch member or call (800) 675-8852.

Updating Your Information 

Keeping your account information up-to-date is very important. You may review, or update certain account information by logging in and accessing the profile information section. If you cannot change the incorrect information online, or you prefer to request changes offline, please use the Contact Us option on our site, or call or write to us using the contact information listed on your account statements, records, or other account materials. 

In compliance with Google’s Account Deletion requirement, our banking application ensures the utmost respect for your privacy and data security. All accounts opened within our application are maintained at Encompass Credit Union in strict accordance with federal law and regulations. If you wish to close your account, please contact our member service team directly through the contact information provided in the app or previously mentioned. Upon receiving your request, we will proceed with the account closure process as per regulatory guidelines, policies, and procedure. Please note that certain information may be retained for a period of time in accordance with legal, regulatory, and business requirements. See your Account Agreement received at account opening for more information. We are committed to handling your personal information with high standards of information security.

Changes to this Online Privacy Policy 

We may change this Online Privacy 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 this Online Privacy Policy will become effective when posted unless indicated otherwise.

Children’s Privacy Policy 

Your child’s privacy is important to us. This Children’s Privacy Policy covers all Encompass Credit Union (“Encompass”; “us”) services through online and mobile access methods. It explains how we collect, use, and disclose personal information collected online from children under the age of 13 in compliance with the Children’s Online Privacy Protection Act (“COPPA”). All information below and references to “Your Child” pertain exclusively to children under the age of 13. Likewise, “online services” offered by Encompass Credit Union refers to Home Banking, the Encompass Credit Union mobile app, and other applicable services described on our Services page. For more information on Encompass Credit Union’s privacy and security practices for Encompass online services, please go to our Online Privacy Policy. 

Personal Information We Collect About Your Child 

Before your child uses Encompass online services, you'll enroll them into the program and consent to our collection, use, and disclosure of their personal information in connection with their participation in Encompass online services. We won't require your child to disclose more personal information than is necessary to interact with the program. 

During enrollment you'll provide your child’s name, date of birth, and address. We also require an email address for your child but you can opt to put your email address if your child doesn't have one. You're required to create a username/password for the child’s online account access. When your child uses Encompass online services, they'll have the ability to make changes to their personal information such as their: 

  • account nickname 

  • telephone number(s) 

  • physical address (but not the account mailing address) 

  • email address 

  • username and password 

By enrolling your child in Encompass online services, you consent to our collection of the personal information above to the extent your child chooses to update his or her profile, which may occur without notice to you. As described below, you have the right at any time to review the personal information we collect from your child online, refuse to allow further use or collection, or request deletion of that information. 

Usage and Other Information 

In addition to the personal information described above, we may collect certain information about your child’s use of our online services. For example, we may capture the IP address of the device they use to connect to the online service, the type of operating system and browser they use, and information about the site they came from, the parts of our online service they access, and the site they go to next. We or our partners may also use cookies, web beacons or other technologies to collect and store other information about their visit to, or use of, our online services. In addition, we may later associate the usage and other information we collect online with personal information about them. You may opt out of the use of some of these technologies, though those necessary to provide the service are used with your implied consent, as disclosed in their respective uses, where permissible under applicable laws and regulations.

Encompass Credit Union Mobile 

When your child interacts with us through Encompass online services, we may also collect information such as unique device identifiers for their mobile device, screen resolution and other device settings, information about their location, and analytical information about how they use their mobile device. 

Use of Information 

We use the information discussed above in a number of ways, such as: 

  • Processing transactions; 

  • Verifying your child’s identity (such as when they access their account information); 

  • Preventing fraud and enhancing the security of their account or our online services; 

  • Responding to their requests and communicating with them (which will include sending any text or email account alerts that are activated for the account) 

  • Managing their preferences; 

  • Performing analytics concerning their use of our online services; 

  • Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions); 

  • Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and 

  • For any other purposes that we may specifically disclose to you during enrollment or in connection with your or your child’s use of Encompass online services. 

We may also use data that we collect on an aggregate or anonymous basis (such that it doesn't identify you or your child) for various business purposes, where permissible under applicable laws and regulations. 

Disclosure of Information 

We may share the information we collect from and about your child with our affiliates and others. For example, we may share their information with: 

  • Encompass Credit Union service providers; 

  • Successors or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger of Encompass Credit Union businesses; and 

  • Others to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical

  • issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties. 

Parent or Legal Guardian Rights 

As a parent or legal guardian, you have the right to: 

  • review the personal information collected online from your child;

  • refuse to allow further use or online collection of personal information from your child; and 

  • delete the personal information collected online from your child (unless we're required by law to retain). 

Encompass online services is an online interactive experience. If you don’t want us to continue to collect or use your child’s personal information, or if you ask us to delete it, we’re required to remove their online profile and close the Encompass online service account. 

To exercise any of these rights, submit such requests by going to your Encompass online service account and submitting a message, email info@EncompassCU.org, or call us at (800) 675-8852

Contact Details 

If you have any comments, questions or concerns about any of the information in this Policy, please contact us a 1-800-675-8852.