We do not sell personal information. We collect, use, and share personal information solely to support the provision and marketing of our services, and for other operational and administrative purposes described in more detail below.
Information We Collect
When you visit our website, we collect information from your browser about the pages you visit.
When you fill out a form on our website, we collect information about you (e.g. zip code), which you voluntarily provide in order to receive information or other services.
When you email us, we collect your email contact information, which may be stored in our customer relationship system, which keeps track of the personnel with whom you are communicating, and the marketing or other services in which you have expressed interest. This may be combined with publicly available information, e.g. a LinkedIn profile.
We do not knowingly collect information from anyone under the age of 18, nor do we market our services to them.
Where We Get Personal Information
Directly from you, such as when you fill out an online form or communicate directly with our personnel
Indirectly from you, when you browse our website
From our partners or vendors, such as our parent company Credit Union National Association (“CUNA”), and credit unions and vendors that contract with us.
How We Use Personal Information
The ways we may use the data you provide include:
- To provide you with information, products, and services you have requested
- To communicate with you about products and services
- To send you newsletters, marketing communications, and other materials that may interest you
- To operate, troubleshoot, analyze and improve our website and digital services
- To detect or prevent fraud, to comply with legal obligations, or protect your, our, or others’ rights
- To allow us to pursue remedies or limit liabilities if a dispute arises
- To fulfill other purposes permitted or required by law
- For other uses disclosed to you, with your consent
When We Share Personal Information
We share personal information with our parent company Credit Union National Association (CUNA) for the purposes discussed in this policy. We do not sell, trade, barter or exchange the information for value.
In certain circumstances, we may disclose your personal information to third parties involved in the operation of our website, such as web-hosting companies and information technology providers. When required, we obtain written assurances from these third parties that their privacy and security practices meet legal requirements. We may also disclose your personal information to third parties if we sell our business or merge with a third party, or where we otherwise are legally required to disclose your information.
We use third-party service providers to support our marketing efforts. With all website visitors, even those who do not complete any forms, certain information is automatically collected through the use of Google Analytics and similar technologies. This information helps us administer our services, analyze website usage, and improve users’ experience.
Through Google Analytics, our website collects online identifiers, including cookie identifiers, IP addresses, and device identifiers. Google Analytics collects information and reports website usage statistics. To opt out of being tracked by Google Analytics, visit the Google Analytics Opt-Out Browser Add-on.
- Process Cookies that help the website to function properly and assist in navigating pages and accessing services. Without these cookies, the website may not function properly.
- Session State Cookies that collect information about how users interact with a website. This may include the page users visit most often and whether users get error messages from certain pages. These cookies help improve users’ browsing experience, but blocking or deleting these cookies will not render the website unusable
Links to Third Parties
Privacy Practices: Finer Print
The chart below provides additional information about the categories of information we collect, the reason we collect it, and the categories of third parties with whom we may share the information. (Note that we do not necessarily collect all types of information that fall within a certain category).
|Category of Personal Information||Reason for Collecting and/or Sharing||Categories of Third Parties||Collected or Disclosed in past 12 months|
|Common identifiers. This includes a name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, and other similar identifiers.||Provision of services; marketing; information security; website management.||Parent company; information technology and security providers; marketing services providers.||Collected and disclosed|
|Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).This includes, among other things, a name, signature, address, telephone number, passport number, and driver’s license or state identification card number. Note that this category of information overlaps to some extent with the “Common Identifiers” category||Provision of services; marketing; information security; website management.||Parent company; information technology and security providers; marketing services providers.||Collected and disclosed|
|Protected classification characteristics under California or federal law. This includes: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).||Not collected||Not applicable||Not applicable|
|Commercial information.This includes: Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||Not collected||Not applicable||Not applicable|
|Biometric information. Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.||Not collected||Not applicable||Not applicable|
|Internet or other similar network activity. Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.||Website management and marketing||Web-hosting and marketing support vendor||Collected and disclosed|
|Geolocation data.Physical location or movements.||Not collected||Not applicable||Not applicable|
|Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information||Not collected||Not applicable||Not applicable|
|Professional or employment-related information. Current or past job history or performance evaluations.||Not collected||Not applicable||Not applicable|
|Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.||Not collected||Not applicable||Not applicable|
|Inferences drawn from other personal information. Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes||Website management and marketing||Web-hosting and marketing support vendor||Collected and disclosed|
Choices About Your Data
You can ask us to stop sending you marketing communications. All marketing communications you receive from us contain an opt-out mechanism that will allow you to register or update your marketing preferences. If you no longer wish to receive marketing communications, you may also send an email to [email protected] .
Website visitors can take steps to limit the amount of personal information collected about you. As noted above, website visitors can use various tools in their browsers to limit the amount of information shared with us.
Data Privacy Rights: California residents
Legal Rights for California Consumers
California law gives California consumers certain rights in their personal data:
The right to request disclosure of the personal information collected about you. That includes the categories of information collected about you, the categories of sources from which such information is collected, the purpose for collecting the information, and the specific pieces of information collected about you.
The right to request the deletion of any personal information we have collected from you.
There are various exceptions. For example, we don’t need to delete information needed to complete a transaction, information we need as part of our ongoing relationship with you, or for anti-fraud or data security purposes, among other reasons.
The law states that if we sell your personal information you have the right to opt out of such use of your data. However, we do not sell personal data of consumers, so this provision does not apply here.
In addition, the law states that we may not discriminate against you for exercising the above rights. That means denying goods or services or charging a different price unless such price difference is justified.
You can make a request relating to these issues by completing this Data Request form or by calling the toll-free Data Request number (800) 356-9655
We will only act on your request if it is “verifiable.” Upon receiving your request, we will contact you to inform you of the procedures to verify your request.
You may make a request to disclose or delete using an “authorized agent.” Please include with your request a signed document stating that the agent is authorized to act on your behalf. We will then respond by providing information as to (i) how you can verify your identity, and (ii) confirm that the agent is authorized to act on your behalf.
Please note that you may make data requests no more than twice in a 12-month period. If you have questions about this process, please contact us at [email protected] or (800) 356-9655
We will try to respond to verifiable requests within 45 days. If we require more time, we will inform you of the reason and extension period in a written response. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
“Do Not Track” Requests. Our website does not respond to “Do Not Track” requests. As noted above, however, persons using our site may be able to change their browser settings to respond to such requests, and limit the ability of their consumer information to be tracked across websites.
We will not discriminate against you for exercising any of your rights under California law.
CU Awareness secures data through a mix of technical and administrative safeguards, and has policies and procedures designed to promote commercially reasonable security practices in accord with US and international requirements. Nonetheless, the transmission of information via the Internet is not completely secure and we cannot guarantee the security of data sent to us electronically over cellular and wireless networks that we do not control.
The effective date of this policy is August 1, 2020 and it was last updated on October 5, 2020. It will be reviewed at least annually, and updated in accord with evolving privacy practices and requirements. We encourage you to periodically review this page. If we make any material changes in the way we collect, use and/or share the personal information that you have provided, we will notify you by posting a notice of the changes in a conspicuous manner on www.yourmoneyfurther.com.
If you have any questions or comments about this policy, the ways in which we collect and use your information, or your choices and rights regarding such use, please do not hesitate to contact us at:
Email: [email protected]
CU Awareness, LLC
Attn: Executive Director, CU Awareness
99 M Street SE, Suite 300 Washington, DC 20003