Rally Credit Union Online Privacy Policy
By using this website or our online services, you agree to the terms and conditions of this Online Privacy Policy.
Your privacy is important to us. This Online Privacy Policy describes our online privacy practices. The Term “Rally” or “we” or “us” or “our” in this Statement refers to Rally Credit Union. This Statement explains how we collect, share, use and protect information when you visit or use our website or online services, whether the user is a member or not. It also explains how information may be collected and used for advertising and marketing purposes.
Information We Collect and How We Collect It
When you use our website or online services, we may collect Personal Information that you submit to us voluntarily or we may obtain online activity data that is collected passively.
Personal Information is information such as your name, mailing address, email address, telephone number, or other information that identifies you. This information may be collected when you voluntarily provide it to us through forms on our website. Additionally, we may collect Online Activity Data when you use a device browser to access our website, i.e. geolocation data (if you have enabled location services on your device). We may also collect Online Activity Data or information such as your likes, interests, feedback and preferences when you interact with our official pages on social media websites or from our social media partners (but only if you choose to share with them and they, in turn, share that information with us). Please refer to the policies of those companies to better understand your rights and obligations with regard to your activity on those websites.
Online Activity Data includes information such as your IP address, browser type and display/screen settings; how you interact with our website and apps; mobile device and advertising IDs; social media preferences and other social media data; and other data that may be aggregated and that doesn't identify individual consumers/customers. This data may be collected using cookies and other online tracking devices, such as web beacons, depending on your browser settings.
Cookies are small pieces of data sent from a website and stored on your computer by your web browser that can allow other websites that you visit to track your browsing activities. A web beacon is a small string of HTML code that represents a graphic image on a website or email. We may also partner with third parties to monitor activities on our own website and other websites. These partners may use cookies, web beacons, and/or other monitoring technologies to compile statistics about website visitors.
Mobile Banking Privacy Information
Members have the option of downloading the Rally Credit Union Mobile Banking application (“App”) from the Apple® App Store or Google® Play Store to conduct mobile banking activities. Information collected through the App includes banking transaction information and information about your mobile activity, such as when the app is opened or exited, and which pages within the app are visited. When you use the App, we collect personal information from:
- You directly when you provide it (e.g., when you enroll in the App, you provide your information to us).
- Your device (e.g., your mobile device shares your Unique Device ID and name of your device when you use the App).
- Financial Institutions or other partners (e.g., when you receive money from one of their customers, they share information with us about the transaction); and
Our service providers (e.g., we use service providers to help us verify your identity when you enroll in the App). - We may also share personal information with other Zelle® users (e.g., When another user sends you a payment, we may share your name (from your Zelle® profile) and profile picture (if you have one) with the other user to ensure the other user intends to send a payment to you. We do not share your Rally account information/debit card information with other Zelle® users.
Mobile and Online Permission Types
(1) Access to external storage - This permission will allow you to send attachments with a Secure Message.
(2) Camera / Images - This permission allows you to use our Mobile Deposit feature to remotely deposit a check using the camera on your mobile device to take a photo/image of a check that you are depositing into your account. Images of checks are used to make mobile / remote deposits from your mobile device into your account and those images may include personal information on the check, such as your name, address, phone number, account number, routing number, and transaction details. Rally Credit Union does not sell or share your personal transaction or contact information. Check images are used to provide you with a convenient, easy-to-view record of check transactions within the online/ mobile banking platform and are not shared.
(3) Contacts - This permission allows you to import your Contacts to make sending money with Zelle® even easier.
When using the Zelle® feature within our mobile banking application, if you give permission to Zelle® to import your contacts, contact list information may include the name, email address, and phone number of the recipient or other suggested contacts on your device. Contact list information is used to help you quickly select trusted contacts to make Zelle® payments. Recipient contact information is used to provide you with a list of transaction history activity within Zelle® which may include the amount of the transaction and the transaction date. Rally Credit Union does not share or sell this transaction history or contact list information.
(4) Location – If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
How We Use Information
We may disclose aggregated and de-identified information about our users, and information that does not identify any individual, without restriction. We may use Personal Information and Online Activity Data we've collected for a variety of reasons, including:
- to present our website and its contents to you
- to enable you to use online tools or perform certain online transactions
- to service and manage your account, including responding to or updating you on inquiries, or to contact you about your accounts or feedback
- to offer you special products and services and deliver advertisements to you in the form of banner ads, interstitial pages (ads that appear as you sign in or sign out of your online accounts) or other promotions
- to analyze whether our ads, promotions, and offers are effective
- to help us determine whether you might be interested in new products or services, and to improve existing products and services
- to verify your identity and/or location to allow access to your accounts, and conduct online transactions
- to manage fraud and data security risk
- to personalize and optimize your website browsing and app experiences by examining which parts of our website you visit or which aspect of our apps you find most useful
- to comply with federal, state or local laws; civil, criminal or regulatory investigations; or other legal requirements
- to share with trusted third parties who are contractually obligated to keep such information confidential; and to use it only to provide the services we have asked them to perform
For a description of how we may share information collected from consumers who have applied for or obtained a consumer product or service from us, please refer to our Consumer Privacy Notice.
Who We Share Your Information With
We disclose your Personal Information and Online Activity Data to third parties for our business purposes. The general categories of third parties that we share with are as follows:
- Third party service providers
- Other companies to bring you co-branded services, products or programs
- Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you
- Third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger of our financial institution or affiliated business
- Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties
Cookies Disclosures
We use cookies to make your online experience with our sites and services richer and more personalized based on the products and services you use. Also, without revealing your identity, cookies help us keep your transactions with us secure when you do your banking online.
We also use cookies for various purposes such as maintaining continuity during an online session, gathering data about the use of our site or monitoring our online promotions. This information helps us inform you about additional products, services or promotions that may be of interest to you.
When using our mobile and online banking services, we recommend that you complete your online transactions and sign off before surfing to other sites or turning off your computer or device. We also suggest that you don't surf to other sites during your online banking session.
How We Use Cookies
When you use our digital services, we may receive technical information such as your browser type, IP address, type of operating system you use, your geolocation, the name of your internet service provider and pages visited on our sites. We get this information by using technologies — such as, cookies and mobile device geolocation — to provide you with servicing data, like our branch location information; to research and improve our online experiences; and to advertise our financial products and services to you.
Types of Cookies Used on Our Services
- Essential cookies– These cookies enable you to use our digital services and are essential to enable you to browse our sites and use certain features. Disabling them may prevent you from using certain parts of our services, such as online banking and application services. They also help keep our sites and services safe and secure.
- Performance cookies– These cookies collect information about how you use our services, such as which pages you visit regularly. They're used to provide you with a high-quality experience by doing things such as tracking page load, site response times and error messages.
- Content / Functional cookies– These cookies gather information about your use of our services, so we may improve your experience and provide you with more relevant content. They're also used to gather feedback on member satisfaction through surveys. They remember that you've visited our services and help us understand how they're being used. Some of these cookies are from third parties that collect information in order to provide services, such as our Live Chat feature.
- Marketing Cookies- Marketing cookies are used to deliver advertisements that may be relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of an advertising campaign. They're usually placed through our sites and mobile apps by our advertising partners and remember that you have visited a site or mobile app. This information may be shared with other organizations such as advertisers.
How to Control and Delete Cookies
1) Using Your Browser and Mobile Device
If you prefer, you can change your cookie settings. Some browsers have options that allow the visitor to control whether the browser will accept cookies, reject cookies, or notify the visitor each time a cookie is sent. You may elect to reject cookies by adjusting your settings, but doing so will limit the range of features available to you with our digital products and services and other major websites that use cookies, including not being able to access your accounts online through a browser. Remember, we have a mobile app that provides on-the-go access, should you prefer it over a browser experience.
How to manage browser settings for cookies
Some mobile devices come with a non-permanent advertising identifier or ID which gives companies the ability to serve targeted ads to a specific mobile device. In many cases, you can turn off mobile device ad tracking or you can reset the advertising identifier at any time within your mobile device privacy settings. You may also choose to turn off location tracking on your mobile device. By turning off ad tracking or location tracking on your mobile device, you may still see the same number of ads as before, but they may be less relevant because they won't be based on your interests.
2) Behavioral Advertising on Third-Party Websites
Online Activity Data collected on our website or App may be used to advertise our products and services that may be of interest to you on third-party websites. Our service providers that deliver these advertisements are subject to their own privacy policies. To explore options for opting out of behavioral advertising, visit http://optout.aboutads.info/ or click on the AdChoices icon in an ad and follow the instructions. You may also use the Network Advertising Initiative's (NAI) Opt-Out Tool by visiting https://optout.networkadvertising.org/?c=1. Furthermore, you may download the Google Analytics opt-out plug-in, available at https://tools.google.com/dlpage/gaoptout/, to prevent your data from being collected and used by Google Analytics. Moreover, there may be other tools provided by the publishing platform to enable you to opt out. Opting out relies on information in the unique cookies placed on your web browser by our service providers, so if you delete cookies, use a different device, or change web browsers, you may need to opt out again. Additionally, we may partner with websites like Google and Yahoo to display ads to you based on search terms you use on those websites. Please review the privacy policies of those websites for instructions on how to limit these ads. Please note that you may still receive general online advertising from us even after you adjust your ad preferences with certain web search engines or opt out of online advertising through AdChoices or the NAI tool. Such advertising, however, should not be based on Online Activity Data or search-term information.
Since we don't own or control these third-party resources, we can't ensure that you'll stop receiving our advertisements by using these tools or that such advertisements will not be based on Online Activity Data or search-term information, and we don't guarantee the functionality or availability of such third-party tools. While we work with vendors and service providers who are contractually obligated to comply with our policies to protect information and to comply with all applicable laws regarding the collection, safeguarding, processing and disclosure of personal information, such vendors and service providers are solely responsible for cookies, cookie tracking and your choices for managing cookies.
Children
The Children’s Online Privacy Protection Act was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and other services directed to, and which may collect information from, children under the age of 13. We respect the online privacy of children. Our websites and online services are not directed at children under the age of 13, nor do we knowingly collect, maintain, or use personally identifiable information from them.
Protection of Nonpublic Personal Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
We use multiple layers of security, including HTTPS, when transmitting data via online banking in order to secure account information sent between our server and your browser. We use firewalls that are designed to protect your accounts from unauthorized access from outside Rally Credit Union. Additionally, with online correspondence we preserve the content of your email, your email address and our responses so that we can more efficiently handle any follow-up questions you may have.
Copyright/Disclaimer Statements
All contents of this website are protected by copyright and are property of Rally Credit Union and may not be reproduced or reprinted without permission.
Third-party Websites
Our website may contain links to other websites for additional services or informational purposes. A link between this website and another website does not reflect the endorsement of Rally Credit Union for any opinions, products or services that may be offered on those sites. We do not assume any responsibility or liability for any purchases made or software downloaded as a result of linking to any external web site. If you follow links to sites not affiliated or controlled by Rally Credit Union, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our website. We do not guarantee and are not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.
Social Media Sites
We provide experiences on social media platforms including, but not limited to, Facebook®, Instagram®, and LinkedIn® that enable online sharing and collaboration among users who have registered to use them. Any content you post on our official managed social media pages, such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms, is subject to the terms of use, online privacy practices, and privacy policies (“collectively, the “Policies”) of those respective platforms. Please refer to the social media platform’s Policies to better understand your rights and obligations with regard to such content. In addition, please note that when visiting any of our official social media pages, you are also subject to this Online Privacy Policy.
Cancelling Online and Mobile Banking Services
Our Online and Mobile Banking Services (Digital Banking) remain in effect until they are terminated by you or us. You may cancel your services anytime by notifying us of your intent by completing our online form at Mobile App Account Deactivation Request | Rally Credit Union or calling us at 800-622-3631.
This cancellation applies to your Digital Banking only and does not terminate your Rally Credit Union accounts. Information such as your usage history, account information and online activity will be retained in compliance with regulatory guidelines. Cancellation of Digital Banking will result in the following:
- Login ID and Password will be deleted, and you will be unable to access Digital Banking.
- Any scheduled recurring payments through Digital Banking will be cancelled.
- Access to Bill Pay will be removed – we strongly suggest you cancel any recurring payments and electronic bills, wait until you have reviewed your first paper statement from the biller, and setup another method for payment.
- Access to electronic account statements will be removed – please change your election to paper statements (a fee will apply – see fee schedule at https://rallycu.com/fees/).
Changes to this Online Privacy Policy
We reserve the right to amend or change our Online Privacy Policy in the future and we may revise at our discretion and at any time. Changes will be posted to our website.
Contacting Us
If you have any questions about this Online Privacy Policy, you may contact us by calling us at 1-800-622-3631, or write to us at:
PO Box 81349
Corpus Christi, Texas 78468.