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    Privacy & Security

    We respect your privacy and work hard to safeguard your accounts and information.

    Our great relationship all starts with trust.

    You deserve peace of mind when you conduct transactions and manage your account online. Arbor Financial is committed to doing right by all of our members in Michigan and everywhere when it comes to privacy and security matters.

    Protecting your privacy is our priority:

    Arbor Financial Credit Union is committed to providing you with exceptional financial products and services. We are equally committed to protecting your privacy. We maintain the highest level of confidentiality concerning your financial affairs. Additionally, we have taken the appropriate measures to ensure that online information is protected so that the information is securely transmitted and received.

    You can be confident that your financial privacy is a priority of this credit union.

    Protecting Children's Privacy Online

    The Children's Online Privacy Protection Act (COPPA) was passed by Congress in October 1998, with a requirement that the Federal Trade Commission (FTC) issue and enforce rules concerning children's online privacy. The primary goal of the Act and the Rule is to place parents in control over what information is collected from their children online. Arbor Financial Credit Union does not knowingly collect, nor is our web site designed or directed to use personal information from children under the age of 13 without containing verifiable consent from their parents.

    A Word About Internet Cookies

    To provide better service and a more effective web site, the credit union may use cookies as part of our interaction with your Internet browser. A cookie is a small text file placed on your hard drive by our web page server. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses or capture your email address. Cookies are commonly used on web sites and do not harm your system.

    We may use cookies in places where you may need to register, such as Online Banking, or where you are able to customize the information you see. Recording a cookie at such points makes your online experience easier and more personalized. We may also use cookies to identify what sections of our site our members visit most so we can continue to provide information on the products and services in which our members have demonstrated an interest. These cookies may collect personally identifiable information and we may combine information collected through cookies with other personal information to determine who you are or your email address. By configuring your preferences or options in your Internet browser, you can control if and how a cookie will be accepted. Click here to view how to update and clear your cookies from the Google Account Help Centre.

    Third Party Websites

    Arbor Financial Credit Union hosts several links to third party vendors on their website in hopes of providing quick and easy access to information pertinent to your financial needs. Please keep in mind the following statements when accessing third party vendors:

    • The member is leaving the credit union's website
    • The member is linking to an alternate website not operated by the credit union
    • The credit union is not responsible for the content of the alternate website
    • The credit union does not represent either the third party or the member if the two enter into a transaction
    • Privacy and security policies may differ from those practiced by the credit union

    Email Encryption Services

    To ensure the confidentiality of private information that our company sends you via email and comply with all privacy and regulation standards, we are implementing a new email encryption service through Zix Corporation, the leader in email encryption services.

    ZixCorp's easy-to-use email protection makes it seamless for you to receive, read and reply to all encrypted email communication we send you. If you are a ZixCorp customer, you do not need to do anything. Email is securely sent between our organizations and delivered directly to your Inbox. If you are not currently a ZixCorp customer, you receive confidential email through the Secure Message Center.

    The protection of confidential communication is important to us and we want to ensure your information stays private. This site helps you understand our encrypted email initiatives.

    Google Analytics

    Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how our users visit and use our site. Google Analytics collects the IP address assigned to you on the date you visit the site and does not share your name or any other identifying information. We do not combine the information collected through Google Analytics with personally identifiable information. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at "How Google uses information from sites or apps that use our services" at google.com/policies/privacy/partners/.

    Arbor Financial Card Control Services

    Arbor Financial Card Control Services does not collect, transmit, or use geolocation information for use within the Card Control mobile application for features such as fraudulent card use prevention or alerting.

    Arbor Financial Credit Union Applications 

    A) Data Collection and Usage

    Our app collects and uses the following types of personal and sensitive user data:

    1. Personal Information:
      • User account details (e.g., name, contact info, identifiers).
      • Communication data (e.g., messages, comments, usage data).
    2. Sensitive Information:
      • Financial data
      • Location data (if applicable, e.g., for location-based features).
      • Diagnostics

    B) Data Sharing 

    We share personal and sensitive user data with the following parties:

    1. Third-Party Services:
      • See section above for details
    2. Legal and Compliance Requirements:
      • We may share data with law enforcement agencies, regulatory bodies, or legal authorities if required by law or to protect our rights.

    C) Secure Data Handling 

    We follow strict data handling procedures to ensure the security of personal and sensitive user data:

    1. Encryption:
      • Data transmitted between our app and servers is encrypted using industry-standard protocols.
    2. Access Controls:
      • Only authorized personnel have access to user data.
      • Role-based access controls limit data access based on job responsibilities.
    3. Data Minimization:
      • We collect and retain only the data necessary for app functionality.
      • Unused or outdated data is promptly deleted.

    D) Data Retention and Deletion 

    Our data retention and deletion policy is as follows:

    1. Retention Period:
      • We retain user data for as long as necessary to provide our services or as required by law.
      • Specific retention periods vary based on data type (e.g., transaction history, account details).
    2. Deletion Process:
      • you can submit a request to the developer (Arbor Financial Credit Union) to delete your account and associated data for this app.
      • Upon account deletion, we will begin securely erasing user data from our servers. This may take some time, but it will be deleted as promptly as possible 

    E) Contact Information 

    If you have any questions or concerns regarding our privacy practices, please contact our team at hello@arborfcu.org.