Effective Date: 7/15/2024
Young Community Federal Credit Union (referred to as “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Statement shows how we collect, use, disclose, and safeguard your information when you visit our website, youngcommunitycreditunion.org.216-206-109-129.wvbr.org (the “Site”). Please read this privacy statement carefully. If you do not agree with the terms of this privacy statement, please do not access the Site.
Information We Collect
We may collect personal information that you provide directly to us, such as your name, address, email, phone number, and social security number when you:
- Sign up for membership
- Apply for loans or other financial products
- Submit inquiries or contact our customer service
- Participate in surveys, promotions, or other activities
Additionally, we may automatically collect information about your computer, browser, and usage patterns, such as:
- IP address
- Browser type and version
- Pages visited and the time spent on the Site
- Referring/exit pages
Use of Your Information
We use the information we collect from you to:
- Provide, operate, and maintain our services
- Process transactions and manage your account
- Improve our website and services
- Communicate with you regarding your account or inquiries
- Personalize your experience on the Site
- Provide information on updates, promotions, and events
- Detect and prevent fraud or other illegal activities
Disclosure of Your Information
We do not sell your personal information to third parties. We may disclose your information in the following circumstances:
- To comply with legal obligations or respond to lawful requests by public authorities
- To service providers who assist us in operating our website or providing our services, subject to confidentiality agreements
- To protect the rights, property, or safety of [Young Community Federal Credit Union], our members, or others
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our Site. Cookies are small data files stored on your device. You can manage cookie preferences through your browser settings, but disabling cookies may affect the functionality of our Site.
Data Security
We implement reasonable measures to protect the security of your information. However, no data transmission over the Internet or wireless network can be guaranteed to be 100% secure.
Third-Party Links
Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to read their privacy policies.
Children’s Privacy
Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently received personal information from a child, we will delete such information from our records.
Changes to This Privacy Statement
We may update this Privacy Statement from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this Privacy Statement periodically.
Contact Us
If you have any questions or concerns about this Privacy Statement or our privacy practices, please contact us at:
Young Community Federal Credit Union
2200 Greene Way
Louisville, KY 40220
Info@yccu.org
502-208-6610
Thank you for choosing Young Community Federal Credit Union for your financial needs. We value your trust and are committed to protecting your privacy.
BIOMETRIC INFORMATION PRIVACY POLICY AND CONSENT
Scope and Overview
This policy outlines how Young Community Federal Credit Union, its vendors, and/or the licensor of the Young Community 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 Young Community Federal Credit Union, its vendors, and/or the licensor of the Young Community Federal Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, Young Community Federal Credit Union must first:
Inform each consumer that Young Community Federal Credit Union, its vendors, and/or the licensor of the Young Community Federal Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the employee’s biometric data, and that the Young Community Federal Credit Union is providing such biometric data to its vendors and the licensor of the Young Community Federal Credit Union’s consumer verification software;
Inform the consumer of the specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used; and
Receive consent by the consumer authorizing Young Community Federal Credit Union, its vendors, and/or Young Community Federal Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by the Young Community Federal Credit Union, and for Young Community Federal Credit Union to provide such biometric data to its vendors and the licensor of the Young Community Federal Credit Union’s consumer verification software.
Young Community Federal Credit Union, its vendors, and/or the licensor of the Young Community Federal Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from employees’ biometric data; provided, however, that the Young Community Federal Credit Union’s vendors and the licensor of the Young Community Federal Credit Union’s consumer verification software may be paid for products or services used by Young Community 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
Young Community Federal Credit Union, its vendors, and/or the licensor of Young Community Federal Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.
Disclosure
Young Community Federal Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the Young Community Federal Credit Union’s consumer verification software providing products and services using biometric data without/unless:
First obtaining consumer consent to such disclosure or dissemination;
The disclosed data completes a financial transaction requested or authorized by the consumer;
Disclosure is required by law or ordinance; or
Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.
Security
Young Community 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 Young Community 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
Young Community Federal Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of Young Community Federal Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:
The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity;
Request of consumer to destroy the biometric data; or
Within 30 days of 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 (CU Email).
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 Young Community Federal Credit Union, its vendors, and/or the licensor of the Young Community 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 the Young Community Federal Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.