Mobile & Online Banking Privacy Policy

This Privacy Policy describes our policies and procedures on collecting, using, and disclosing your information when you use the service and tells you about your privacy rights and how the law protects you.

We use your personal data to provide and improve the service. By using the services, you agree to the collection and use of information in accordance with this privacy policy.

Interpretation and Definitions

For the purposes of this privacy policy:

• Account – a unique account created for you to access our service or parts of our service
• Affiliate – officially attached or connected to an organization
• Application – software program provided by People Driven Credit Union downloaded by you on an electronic device.
• Company – refers to People Driven Credit Union, 24333 Lahser, Southfield, MI 48033
• Country – refers to Michigan, US
• Device – any device that can access the services, such as a computer, cellphone, or tablet
• Personal Data – any information that relates to an identified or identifiable individual.
• Services – refers to the application.
• Service Provider – any natural or legal person who processes the data on behalf of People Driven Credit Union. It refers to third-party companies or individuals employed by People Driven Credit Union to facilitate the service, to provide the service on behalf of People Driven Credit Union, to perform services related to the service, or to assist People Driven Credit Union in analyzing how the service is used.
• Usage data – refers to data collected automatically, either generated by using the Service or from the service infrastructure itself (for example, duration of a page visit)
• You – refers to the individual accessing or using the service or the company or other legal entity on behalf of which such individual is accessing or using the service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using our service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to:

• Email address
• First Name
• Last name
• Phone number
• Address
• City
• State
• Zip code

Usage Data

Usage Data is collected automatically when using the service

Usage data may include information such as your device’s internet protocol address (IP address), browser type, browser version, the pages of our service that you visit, the time and day of your visit, the time spent on those pages, unique device identifiers, and other diagnostic data.

When you access the Service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of device you use, your mobile device’s unique ID, the IP address of your device, your mobile operating system, the type of mobile internet browser, unique device identifiers and other diagnostic data.

We may also collect information that your browser sends whenever you visit our service or when you access the service by or through a mobile device.

Information Collected While Using the Application

When using our application to provide features of our application, we may collect, with your permission:

• Information regarding your location
• Pictures and or other information from your device’s camera and photo library

We use this information to provide our service features and improve and customize our service. The information may be uploaded to the company’s servers and/or service providers or simply stored on your device.

You can enable or disable access to this information anytime through your device settings.

Use of Your Personal Data

The company may use personal data for the following purposes:

• To provide and maintain our service, including to monitor usage
• To manage your account, to manage your registration as a user of the service. The personal data you provide can give you access to different server functionalities that are available to registered users.
• To contact you: We will contact you by email, telephone, SMS, or other equivalent forms of electronic communication, such as mobile application push notifications, regarding updates or informative communications related to the functionalities, products, or services, including security updates, when necessary or reasonable for implementation.
• To provide you with news, special offers, and general information about other services and events we offer that are similar to those you already have or have enquired about
• To manage your requests to us
• For business Transfers: we may use your information to evaluate or conduct a merger or other sale or transfer.
• For other purposes: we may use your information for other purposes such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns, and evaluating and improving our service, products, marketing, and member experience.

We may share your personal information in the following situations:

• With service providers: we may share your information with service providers to monitor and analyze the use of our service or to contact you.
• For business transfers: we may share or transfer your personal information in connection with or during negotiations of any merger or sale of company assets.
• With affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy policy. Affiliates include any subsidiaries or companies that we control or that are under common control with us.
• With business partners: We may share your information with our business partners to offer you certain products, services, or promotions.

Retention of Your Personal Data

People Driven Credit Union will retain your personal data only for as long as is necessary for the purposes set out in this privacy policy. We will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

People Driven Credit Union will also retain usage data for internal analysis purposes. Usage data is generally retained for a shorter period of time, except when it is used to strengthen the security or improve the functionality of our service or when we are legally obligated to retain it for longer periods.

Transfer of Your Personal Data

Your information, including personal data, is processed at People Driven Credit Unions’ operating offices and in any other places where the parties involved in the processing are located. This information may be transferred to – and maintained on – computers outside your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those from your location.

Your consent to this privacy policy, followed by submitting such information, represents your agreement to that transfer.

People Driven Credit Union will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy, and no transfer of your personal data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Your Personal Data

Business Transactions

Your personal data may be transferred if People Driven Credit Union is involved in a merger, acquisition, or asset sale. We will provide notice before your personal data is transferred and becomes subject to a different privacy policy.

Law Enforcement

Under certain circumstances, People Driven Credit Union may be required to disclose your personal data if required to do so by law or in response to a valid request by public authorities (e.g., a court or a government agency).

Other Legal Requirements

People Driven Credit Union may disclose your personal data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights and property of People Driven Credit Union
• Prevent or investigate possible wrongdoing in connection with the service
• Protect the personal safety of users, the service, or the public
• Protect against legal Liability

Security of Your Personal Data

We value the security of your personal data, but remember that no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute safety.

Links to Other Websites

Our service may contain links to other websites that People Driven Credit Union does not operate. You will be directed to the third-party site if you click on a third-party link. We strongly advise you to review every site’s privacy policy.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party site or service.

Changes to the Privacy Policy

We may update our privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on our page or in our application.

We will inform you via email and/or a prominent notice on our service before the change becomes effective and update the “Last Updated” date at the top of this Privacy Policy.

You are advised to review this privacy policy periodically for changes. Changes to this policy are effective when they are posted on this page or in the app.

Contact Us

If you have any questions about this privacy policy, you can contact us:

• By visiting our website
• By phone number: (248) 263-4100

Last Updated: September 29, 2022