Online & Mobile Banking Privacy Policy

Introduction

At Community South Credit Union, we are committed to protecting your personal information when you access our Online & Mobile Banking services, including My CU Wallet.

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This Privacy Policy explains how we collect, use, share, and protect your data when you use our website, mobile banking app, or other digital banking services.

This Privacy Notice, in combination with other Community South Credit Union privacy notices (e.g., under financial privacy laws), outlines the collection, use, and disclosure of personal information from or about users in connection with our Online & Mobile Banking services.

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By using Online & Mobile Banking, you agree to this policy.

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Information We Collect

We collect information from you in several ways when you use My CU Wallet and other Online & Mobile Banking services.

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A. Personal Information You Provide‍

We may collect personal information you provide when you:
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• Open an account or register for digital banking services.
• Use My CU Wallet for transactions, card management, or bill payments.
• Contact us for support or provide feedback.
• Set up alerts, notifications, or financial tools.

This information may include:

• Name, address, phone number, and email.
• User IDs, passwords, and authentication details.
• Account numbers, balances, and transaction history.
• Payment details, including card expiration and verification codes.

B. Information Collected Automatically

‍We collect data automatically when you interact with our Online & Mobile Banking services, including:
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• Device Information: IP address, operating system, browser type, device type, and unique device identifiers.
• Usage Data: Pages visited, session duration, number of logins, transaction history, and service interactions.
• Cookies & Tracking Technologies: We use cookies, web beacons, and local storage to enhance security, remember preferences, and improve service performance.

C. Geo-location Data

If you enable location services on your mobile device, we may collect geo-location data to:
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• Prevent fraud and detect suspicious transactions.
• Provide ATM and branch locator services.
• Enhance security when verifying logins from new locations.
• You can disable location tracking in your device settings, but this may limit certain features.

How We Use Your Information

We use your information to:
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• Provide secure access to My CU Wallet and Online & Mobile Banking
• Process transactions and manage your accounts
• Authenticate your identity and prevent fraud
• Personalize your banking experience
• Send account alerts, service updates, and security notifications
• Improve member support and digital banking performance
• Comply with legal and regulatory requirements

How We Share Your Information

We do not sell your personal information. However, we may share it in the following cases:
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A. With Trusted Service Providers

We may share information with third-party providers that help us operate My CU Wallet and Online & Mobile Banking, such as:
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• Fraud detection and cybersecurity firms
• Payment processors (e.g., bill pay, Zelle®, ACH transfers)
• Card management and authentication services
• IT support and system analytics providers
• These providers are contractually required to protect your information and cannot use it for their own marketing.

B. For Legal & Security Purposes

We may share your information when required by law or to:
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• Respond to court orders, subpoenas, or government investigations.
• Prevent fraud, identity theft, or unauthorized transactions.
• Protect the rights, property, and security of our members and institution.

C. With Your Consent

If we need to share your information for purposes not covered in this policy, we will first obtain your explicit consent.

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Your Privacy Choices & Control

A. Managing Your Data & Preferences

• Opt-Out of Marketing: You can unsubscribe from promotional emails and text messages at any time.
• Update Personal Information: You can update contact details through Online Banking or by calling (850) 638-8376.
• Disable Location Tracking: Adjust your mobile device settings to turn off location services.
• Manage Cookies: Most browsers allow you to delete or block cookies.

B. Do Not Track (DNT) Signals

Our website does not respond to “Do Not Track” (DNT) browser settings.
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Data Security & Retention

A. How We Protect Your Information

We use strong security measures to protect your data, including:
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• Encryption: All data transmitted between your device and our servers is encrypted.
• Multi-Factor Authentication (MFA): Additional security steps for account access.
• Fraud Monitoring: We detect and prevent unauthorized transactions in real-time.
• Access Controls: Strict internal policies limit who can access your data.

C. How Long We Retain Your Information

• We retain financial records for 5 to 10 years, as required by law.
• Your personal information is stored securely and only accessed when necessary.

Children's Privacy

Our Online & Mobile Banking services, including My CU Wallet, are not intended for children under 18, and we do not knowingly collect their information.

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External Links & Third-Party Services

Our website and mobile app may contain links to external third-party sites (e.g., financial education resources, loan payment portals).

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We are not responsible for the privacy practices of third-party websites. We encourage you to review their privacy policies before providing personal information.

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Changes To This Privacy Policy

This Privacy Notice may be updated periodically to reflect changes in legal, regulatory, or security requirements, as well as improvements to our services. We may provide notice of material changes through our Online & Mobile Banking services, website, or other appropriate channels. Any updates will apply to all users upon posting. If you continue to use the services after updates are made available, it indicates your acknowledgment and acceptance of the revised Privacy Notice. If you do not agree with any changes, you may discontinue use of the services at any time.

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Contact Us

• Questions? Call us at (850) 638-8376 or toll-free (866) 638-8376
• Visit a Branch: Find a location near you.
• Review Our Full Privacy Policy: https://www.communitysouth.net/legal/disclosures/