Privacy Policy
| FACTS | WHAT DOES ADVENTHEALTH CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? | |
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand AdventHealth Credit Union’s Privacy Policy. At AdventHealth Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by AdventHealth Credit Union. This notice explains what types of member information we collect and under what circumstances we may share it. | |
| What? | The types of personal information we collect, and share depend on the accounts or services you have with us. This information can include: Name, address, Social Security number, and income, account balances and transaction history, credit history and credit scores. When you are no longer our member, we will not share your information except as permitted or required by law as described in this notice. | |
| How? | All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons AdventHealth Credit Union chooses to share; and whether you can limit this sharing. | |
| Reasons we can share your personal information | Does AdventHealth Credit Union share? | Can you limit this sharing? |
| For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes— to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | No | We don’t share |
| For our affiliates’ everyday business purposes— information about your creditworthiness | No | We don’t share |
| For non-affiliates to market to you | No | We don’t share |
| Questions? | Call 407.303.1527, send us an email at fh.credit.union@adventhealth.com or write to us at: AdventHealth Credit Union 351 S. State RD 434, # 1009, Altamonte Springs, FL 32714 | |
| Who we are | ||
| Who is providing this notice? | AdventHealth Credit Union | |
| What we do | ||
| How does AdventHealth Credit Union protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you. | |
| How does AdventHealth Credit Union collect my personal information? | We collect your personal information, for example, when you open an account or apply for a loan, apply for any credit union service, you visit our website, provide us information on any online application or transaction, or information you send to us by email.use your credit or debit card or pay your bills, make deposits to or withdrawals from your accounts. We also collect your personal information from others, including credit bureaus or other companies. | |
| Why can’t I limit all sharing? | Federal law only gives you the right to limit information sharing as follows: sharing for affiliates’ everyday business purposes—information about your creditworthiness, affiliates from using your information to market to you, sharing for non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. | |
| Definitions | ||
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. AdventHealth Credit Union does not share with affiliates. | |
| Non-affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. AdventHealth Credit Union does not share with non-affiliates, so they can market to you, except for our joint marketing arrangements. | |
| Joint marketing | A formal agreement between AdventHealth Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you. Our joint marketing partners include financial service providers such as CUNA Mutual, Allied Solutions, and Xtend Inc. |
Information We Collect and Disclose About You
The Credit Union collects nonpublic personal information about you from the following sources:
- Information we receive from you on applications and other forms
- Information about your transactions with us or others
- Information we receive from a consumer reporting agency
- Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.
We do not disclose any nonpublic information about you to anyone, except as required or permitted by law. We may disclose all the information we collect as described previously and as permitted by law, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties.
In order to conduct the business of the Credit Union, we may also disclose nonpublic personal information about you under other circumstances as required or permitted by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the Credit Union, or follow your instructions as you authorize, or protect the security of our financial records.
If you decide to terminate your membership or become an inactive member with AdventHealth Credit Union, we will not share information we have collected about you, except as permitted or required by law. We will adhere to these privacy policies and practices.
Security
Security is the most important issue AHCU faces in making Internet Banking available for our customers. Using industry standard security techniques ensures that your personal financial information remains confidential. AHCU uses security technologies such as your personal customer number and password, encryption and firewalls. The combination of your customer number and password enables you to be uniquely identified to AHCU Internet Banking. It is your responsibility to keep your password secure.
Effective Date: April 25, 2023
Biometric Information Privacy Policy and Consent
Scope and Overview
This policy outlines how AdventHealth Credit Union, its vendors, and/or the licensor of the AdventHealth 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 AdventHealth Credit Union, its vendors, and/or the licensor of the AdventHealth Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, AdventHealth Credit Union must first:
Inform each consumer that AdventHealth Credit Union, its vendors, and/or the licensor of the AdventHealth Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the employee’s biometric data, and that the AdventHealth Credit Union is providing such biometric data to its vendors and the licensor of the AdventHealth 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 AdventHealth Credit Union, its vendors, and/or AdventHealth Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by the AdventHealth Credit Union, and for AdventHealth Credit Union to provide such biometric data to its vendors and the licensor of the AdventHealth Credit Union’s consumer verification software.
AdventHealth Credit Union, its vendors, and/or the licensor of the AdventHealth Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from employees’ biometric data; provided, however, that the AdventHealth Credit Union’s vendors and the licensor of the AdventHealth Credit Union’s consumer verification software may be paid for products or services used by AdventHealth 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
AdventHealth Credit Union, its vendors, and/or the licensor of AdventHealth Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.
Disclosure
AdventHealth Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the AdventHealth 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
AdventHealth 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 AdventHealth 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
AdventHealth Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of AdventHealth 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: FH.Credit.Union@AdventHealth.com.
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 AdventHealth Credit Union, its vendors, and/or the licensor of the AdventHealth 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 AdventHealth Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.