Meritrust Privacy Policy

Information You Provide 

We collect Personal Information you provide via forms, surveys, applications or other online fields including your name, postal or email addresses, telephone, mobile numbers, or account numbers. The exact information we need to collect will depend on the purpose of the form. We will indicate on the form whether a particular field of information is mandatory or optional. If you choose not to provide certain information, we may not be able to provide requested services. 

Information We Automatically Collect from You 

We use technologies that automatically collect information (including Personal Information) about visitors or users of our Sites. For example, the following information is collected: 

• Cookies. Cookies are small text files sent by a website server to your device or computer that helps us collect information on how you use the Sites. 

• Device Identifiers. An ID number transmitted by your mobile device that helps us track unique visitors of our Sites. You may adjust the settings of your mobile device to stop transmitting device identifiers. 

• Web Beacons. Web beacons (also known as clear gifs, pixel tags, and single-pixel gifs) are small images on a website or email that may be used to measure the effectiveness of our communication with you and track the success of our marketing campaigns. 

• Web Server Logs. Web server logs are records of activity created by the device that delivers the web pages you request to your internet browser. For example, a web server log may record the search term you entered or the link you clicked on to bring you to the web page. The web server log also may record information about your device, such as your IP address, operating system, and internet browser. 

• Relationship-Based Advertising. We may use information about your relationship with us (such as types of accounts) to help determine which advertisements or offers to present to you. 

• Analytics. We use Google Analytics and other analytics services to collect information about use of our Sites. Through analytics services, we collect information such as how often users visit this Site, what pages they visit when they do so, and what other sites they used prior to coming to this Site. We use this information only to make improvements to the Sites. We do not combine the information collected using Google Analytics with other Personal Information. Google’s ability to use and share information collected by Google Analytics about your visits to this Site is restricted by the Google Analytics Terms of Use and Google Privacy Policy. Please refer to those policies for more information. 

• Geolocation Data. When you access certain services, we may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions). This app collects background locations data when the app is closed or not in use. You can change your location permissions at any time in your device settings. 

• Do Not Track. We do not track our members over time and across third party websites or online services to provide advertising and therefore do not respond to Do Not Track (DNT) signals. However, some third-party websites and mobile applications do keep track of your browsing activities. If you are visiting such sites, you may wish to set a DNT signal on your browser so that third parties know you do not want to be tracked. 

How We Use Personal Information 

Our primary purpose in collecting Personal Information is to provide you with the products, services, and information that you request. We may use Personal information to provide maintenance, support, and answer any customer service related questions. We may also aggregate this information with the information other users provide for business purposes such as to analyze data, conduct research, identify usage trends, develop and improve products or services, and Site enhancements. In addition, we may use this data for audit, loss prevention, and anti-fraud purposes and to comply with laws and regulations. We may use information for other purposes not listed here with your consent. 

How Personal Information is Shared 

We generally do not share Personal Information, except: 

Third Parties. We generally do not disclose your account information to third parties except: 

1. When it is necessary for our or our affiliates’ everyday business purposes, such as maintaining your account, reporting to credit bureaus, or processing a transaction, whether that is to pay an item or to send a notice of dishonor or nonpayment; 

2. To service providers who assist us in operating the Sites and our business, to the extent access to Personal Information is necessary for the performance of their services on our behalf; 

3. To exchange, in the normal course of business, credit information with third party financial institutions or other business entities or to the extent a third party is required to verify the existence or condition of your account in accordance with applicable law; 

4. To provide information to our regulators or law enforcement when we believe, in good faith, that we have been a victim of a crime or we have observed suspicious activity; 

5. To comply with a government agency inquiry, subpoena or court order or a valid attachment, garnishment, or other legal action; 

6. In accordance with your consent; 

7. To guarantee a check by a third party; 

8. At account opening, account renewal, or account review; 

9. When we are attempting to collect a debt owed to us; 

10. If we sell or otherwise transfer part or the whole of our business or assets to another organization (e.g., in the course of a transaction like a merger, acquisition, bankruptcy, dissolution, or liquidation), any information collected through the Sites, including Personal Information, may be among the items sold or transferred; or 

11. As otherwise permitted by applicable law and appropriate to the circumstance.  

In addition, we may from time to time receive credit reports and other information about you, from third parties, in connection with your accounts. Upon request, we will give you the name and address of each third party from which we obtain such a report or information. 

How We Protect Your Information 

Our legal basis for collecting and using the Personal Information described in this Privacy Policy will depend on the Personal Information concerned and the context in which we collect it. We collect Personal Information from you: 

• Where we need it to perform a contract with you; 

• Where the processing is in our legitimate interests (including the purposes described, above, in How We Use Personal Information); or 

• If we otherwise have your consent. 

Your Privacy Rights 

Depending on applicable law, you may have the right to: 

• Request access to Personal Information about you.  

• Request correction of the Personal Information that we hold about you. 

• Request erasure of Personal Information about you. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request. 

• Object to processing of Personal Information about you where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. 

• Request restriction of processing of Personal Information about you. You can ask us to suspend the processing of Personal Information in the following scenarios: (a) if you want us to establish the data’s accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it. 

• Request the transfer of Personal Information to you or to a third party. 

• Withdraw consent at any time where we are relying on consent to process Personal Information about you. 

1. Collection and Disclosure of Categories of Personal Information under California Privacy Law 

In accordance with California law, we collected the following categories of Personal Information within the preceding 12 months: 

• Identifiers (for example, name, email address, IP address, and online identifiers); 

• Internet or other electronic network activity information, including information on your usage of our Sites; 

• Geolocation data; 

• Inferences drawn from any information identified above to create a profile. 

MERITRUST FEDERAL CREDIT UNION discloses each of these categories of Personal Information with our service providers for our business purposes (to enable the service providers to provide their services) and as otherwise described in the “Sharing of Personal Information” section above. 

2. Your Privacy Rights Under California Law 

Under California law, California consumers have the following rights with respect to their Personal Information: 

• Notice: You have the right to be notified of what categories of Personal Information will be collected at or before the point of collection and the purposes for which they will be used and shared. 

• Access: You have the right to request information on the categories of Personal Information that we collected in the previous twelve (12) months, the categories of sources from which the Personal Information was collected, the specific pieces of Personal Information we have collected about you, and the business purposes for which such Personal Information is collected and shared. You also have the right to request information on the categories of Personal Information which were disclosed for business purposes, and the categories of third parties in the twelve (12) months preceding your request for your Personal Information. 

• Erasure: You have the right to request to have your Personal Information deleted from our servers and we will direct our service providers to do the same. However, please be aware that we may not fulfill your request for deletion if we (or our service provider(s)) are required to retain your Personal Information for one or more of the following categories of purposes: (1) to complete a transaction for which the Personal Information was collected, provide a good or service requested by you, or complete a contract between us and you; (2) to ensure our website integrity, security, and functionality; (3) to comply with applicable law or a legal obligation, or exercise rights under the law; (4) to otherwise use your Personal Information, internally, in a lawful manner that is compatible with the context in which you provided the information. 

• Opt Out of a Sale: MERITRUST FEDERAL CREDIT UNION has not sold personal information about consumers within the 12 preceding months. 

3. How to Enforce Your California Privacy Rights 

If you would like to exercise your rights listed above, please send (or have your authorized agent send) an email to [email protected] or call us toll-free at: 800.342.9278. You have a right not to receive discriminatory treatment by any business when you exercise of your California privacy rights. 

While we take measures to ensure that those responsible for receiving and responding to your request are informed of your rights and how to help you exercise those rights, when contacting us to exercise your rights, we ask you to please adhere to the following guidelines: 

• Tell Us Which Right You Are Exercising: Specify which right you want to exercise and the Personal Information to which your request relates (if not to you). If you are acting on behalf of another consumer, please clearly indicate this fact and your authority to act on such consumer’s behalf. 

• Help Us Verify Your Identity: Provide us with information to verify your identity. Please note that if we cannot initially verify your identity, we may request additional information to complete the verification process. Any Personal Information you disclose to us for purposes of verifying your identity will solely be used for the purpose of verification.  

• Direct Our Response Delivery: Please provide us with an e-mail or mailing address through which we can provide our response. If you make the request by email, unless otherwise requested, we will assume that we can respond to the email address from which you made the request. 

Changes to this Notice