| FACTS |
WHAT DOES LANDMARK 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 what we do. |
| What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and payment history
- Credit history and credit scores
- Overdraft history and credit card or other debt
|
| How? |
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Landmark Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does Landmark 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 nonaffiliates to market to you |
No |
We don't share |
| Questions? |
Call (262) 796-4500 or go to landmarkcu.com |
| What we do |
| How does Landmark 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. |
| How does Landmark Credit Union collect my personal information? |
We collect your personal information, for example, when you
- open an account or apply for a loan
- seek financial or tax advice or give us your income information
- tell us about your investment or retirement earnings
|
| Why can't I limit all sharing? |
Federal law gives you the right to limit only
- sharing for affiliates’ everyday business purposes - Information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates 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.
- Landmark Credit Union has no affiliates.
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Landmark Credit Union does not share with nonaffiliates so they can market to you.
|
|
Joint marketing
|
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies, credit card companies and investment companies
|
Effective December, 2017
Information We Collect
When you access certain Digital Services, we may collect information regarding your 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). Our mobile application collects background locations data when the application is closed or not in use.
How We Use Collected Information
We may use the information that collect as follows:
- Location data to determine the appropriate market and campaign delivery for advertising, to validate your identity, to prevent or detect crime and to enhance the functionality of a service.
- Device ID information to identify users and manage associated advertising campaigns.
- Application access data to analyze pages viewed within the mobile application.
- Your first name to personalize communications with you.
Browsing
When you visit our website, we gather information such as page or URL requests, time of your visit, your IP address, operating system, web browser software, and any cookies set during a previous visit to our site. We use this information to improve your overall experience. We use cookies to help with navigation through our web pages; they are not used to gather any personal information about users.
Cookies
Cookies are an element of data used to help remember information about website visitors, sent between a server and a web browser to help facilitate the use of a website and to help understand how a website is being used. A cookie is useful for having the browser remember specific information across several pages or between visits to a website. Cookies do not store personally identifiable information or any sensitive information. Cookies are a common technology and most web browsers automatically accept cookies by default. If you do not wish to accept cookies, refer to the settings of your browser or online help for further instruction and information on setting and clearing cookie preferences. Please note that in the event you choose to delete cookies or do not accept them, the performance and functionality of the website may be affected.
Our website makes use of cookies for the following purposes:
- Website administration and personalization
- Authentication
- Completing your request
- Analysis of page and website information that does not identify specific individuals
Pixels
Our emails may contain a single, unique “web beacon pixel” to tell us whether our emails have been opened and verify any clicks on the links within our email(s). We may use this information for determining which of our emails are more interesting to you and which users who do not open our emails wish to continue receiving them. The pixel is deleted when you delete the email. If you do not wish the pixel to be downloaded to your device, please select to receive emails from us in plain text rather than HTML, choose not to click links that we send you, or unsubscribe from the receipt of our emails. Pixel-related information may be connected to your personal identity.
Interest-Based Advertising
We and/or our service providers use data collected about you over time across multiple websites or other sources to present targeted ads to you. This data may be collected on our websites and platforms, the websites and platforms of others, and may include information collected on applications. We and/or our service providers also use this data to help manage and optimize our Digital Services and communications to you. Ads may be for products or services we think are relevant based on your browsing habits, online activities, and/or other information. These ads may be about Landmark’s or other companies’ products and services. Interest-based advertising tools do not identify you personally, but are associated with the device being used and your internet activity, in order to serve these ads.
Landmark works with third-party advertising networks to distribute our advertisements on other websites and mobile applications. You may be able to control these advertisements through the settings on third-party platforms. Our ads may also be served in emails. These advertisements may use tracking technologies to capture certain data, such as your IP address, usage information, or your responsiveness to our advertisements.
Third parties may collect certain information on Landmark websites or other sites where Landmark advertises. These third parties might link your name or email address to other information they collect from certain third-party websites you may visit. We permit certain third-party partners to collect non-personally identifiable information in order to facilitate a more tailored experience as well as to track the efficiency of any partnership. Please note that Landmark does not have control over third party partner data collection policies, nor does Landmark have any visibility to the individual’s data that is collected. Even when opting out of receiving these types of ads or email communications, you may still see advertising in particular environments regardless of the exclusion measures we can control.
Opting out of interest-based advertising
You can opt out of receiving interest based ads from third parties who are members of the Network Advertising Initiative (NAI) or who follow the Digital Advertising Alliance’s Self-Regulatory Principles for Online Behavioral Advertising by visiting the opt out pages on the NAI website (http://www.networkadvertising.org/choices/) and DAA website (http://www.aboutads.info/choices/). You can learn more about limiting the amount of online and mobile advertising you receive by visiting http://www.youradchoices.com.
Effective May, 2023