This Online Privacy Notice (“Online Privacy Notice”) describes America First Credit Union’s online and mobile privacy practices and applies to its website (americafirst.com) and mobile application (America First Mobile Banking) that run on smartphones, tablets, and other devices (“Apps”), and additional services that we offer which link to this Online Privacy Notice.
By using this website or our Apps, you agree to the terms and conditions of this Online Privacy Notice and consent to our online data collection activities as described in this Online Privacy Notice.
The terms “personal information” or “personally identifiable information” or PII used in this Online Privacy Notice refer to information such as your name, mailing address, email address, telephone number, Social Security number, or other information that identifies you. This information may be collected when you voluntarily provide it to us on our website or in our App.
You may visit our website to find out about products and services and check rates, without giving us any personal information. We may use software tools and/or "cookies" to track and gather information about your browsing activities to analyze usage, target areas for improvement, and create marketing programs to benefit our members or potential members who visit our site. Tracking includes the date and time of visits, pages viewed, time spent on our site, browser types, IP address, and the site visited just before and just after our site. We may also track browsing activities of members who have accounts with America First Credit Union and who use online banking services. As part of our security procedures for members using our online banking to conduct account inquiries and transactions, we require personally identifiable information such as a login identification (login ID) and password. We may use a cookie to authenticate your request.
1) Use of Cookies and Similar Tracking Technologies
The use of cookies and similar tracking technologies (including “pixels” or “clear GIFs,” tags, and “web beacons”) is a common internet practice. Cookies are small text files containing small amounts of information that are downloaded to your computer, smartphone, tablet, or other mobile device when you visit a website. Cookies are useful in several ways, including allowing a site or mobile app you use to recognize your device, save your settings on a site or mobile app, facilitate navigation, display information more effectively, and personalize the user’s experience. Cookies are also used to gather statistical information about how sites and mobile apps are used to continually improve design and functionality, and assist with resolving questions regarding the sites and mobile apps.
a. Attributes of Cookies
Cookies set by America First Credit Union are called first-party cookies. We may also use third-party cookies, which are cookies from a partner domain different than ours, for our advertising and marketing efforts. There can be first-party and/or third-party cookies within any of the following Categories of Cookies.
Cookies have a duration period. Cookies that expire at the end of a browser session are called “session” cookies. Cookies that are stored longer are called “persistent” cookies. There can be session and/or persistent cookies within any of the following Categories of Cookies. Persistent cookies are stored on your system and can be accessed again for multiple visits. Persistent cookies usually have an expiration date and will be automatically deleted from your system at that time.
b. Categories of Cookies
Below is a list of the different types of cookies that may be used on our websites and mobile apps. We classify cookies into the following categories:
Strictly Necessary Cookies.
Strictly Necessary Cookies as cookies that are essential for our website to function properly. Without these cookies, the website might not work, or certain features might not be available. They are generally used to manage user actions on the website, such as requesting visual elements or managing user login/logoff. America First Credit Union also clarifies that, according to many compliance regulations, consent is not required for strictly necessary cookies, which are essential for a website's functionality.
Functional Cookies.
Functional cookies are those set to enhance our website's functionality and user experience, though not directly related to a specific requested service. These cookies support features like auto-filled text boxes, live web chats, forms, and security features like single sign-on (SSO). If a user does not allow these cookies, then some or all of these services may not function properly.
Performance Cookies.
Performance cookies are defined as cookies that help measure and improve the website’s performance by gathering quantitative data about visitors. These cookies will not collect personally identifiable information (PII). Performance cookies provide insights into behavior, such as page load times, to optimize the user experience and site functionality. All information these cookies collect is aggregated and therefore anonymous. If a user does not allow these cookies, America First Credit Union will not know when you have visited the website and will not be able to monitor its performance.
We use Google Analytics to measure and improve the technical performance of our site.
To view an overview of the privacy of your Google Analytics cookies, please go here: https://support.google.com/analytics/answer/6004245.
You may install a Google Analytics opt-out browser add-on by going here: https://tools.google.com/dlpage/gaoptout?hl=en-GB.
Targeting Cookies.
Targeting cookies allow America First Credit Union to track visitor behavior and to personalize site content for a better and unique user experience. They may be used to build a profile of your interests and show you relevant content. They do not store directly personal information (PII) but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience a less personalized experience.
Social Media Cookies.
These cookies are set by a range of social media services that enable users to share America First Credit Union content with friends and networks. They can track browsing patterns across other sites and build up a profile of user interests. This may impact the content and messages a user may see on other websites they visit. If these cookies are restricted, users may not be able to use or see these sharing tools.
Unclassified or Unknown Cookies.
Unclassified cookies are cookies that we are in the process of classifying, together with the providers of individual cookies.
c. How to Control and Delete Cookies
1. Using Your Browser
Many of the cookies used on our website can be enabled or disabled through our consent tool or by disabling cookies through your browser. To disable cookies through your browser, follow the instructions usually located within the “Help,” “Tools,” or “Edit” menus in your browser. Please note that disabling a cookie or category of cookies does not delete the cookie from your browser unless manually completed through your browser function.
2. Using Your Mobile Device
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 will not be based on your interests.
3. 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.
However, since we do not own or control these third-party resources, we cannot ensure that you will 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 do not 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.
4. Cookie Consent Tool
You may also opt out of cookies by adjusting your cookie preferences through our Cookie Consent Tool and by confirming your cookie preference choices. Strictly necessary cookies cannot be disabled, nor can the tool be used to block cookies on third-party websites linked from our website. Please note that while your opt out choices may be effective on the specific device and browser you use when you opt out, they may not be effective on other devices or browsers that you may subsequently use to visit our website, and you may need to use the Consent Tool feature again when visiting our website from such other browsers or devices.
You can access the Cookie Consent Tool anytime from this link.
5. Third-Party Website Cookies That We Cannot Control
When using our website, you may be directed to other websites for such activities as surveys, completing job applications, and viewing content hosted on those sites, such as an embedded video or news article. These websites may use their own cookies. We do not have control over the placement of cookies by other websites you visit, even if you are directed to them from our website.
2) Location Data
When allowed by you, our app collects your location data to provide you with location-based services, such as identifying branches and ATMs near you, and location-based messages and offers. Location access can be allowed once, only while using the app, or you can choose not to allow location data to be collected.
3) IP Addresses
If you log on to your online banking page, you pass through a "firewall" used for security purposes, and the Internet Protocol (IP) address associated with the computer you are using may be identified. The IP address does not identify you personally. In certain instances, it may also obtain other information about your computer to better identify you as an online user. This information may be retained in case it is needed for security or protection of member information.
4) Social Media
We may collect information, such as your likes, interests, feedback, and preferences, when you interact with our official pages on social media websites such as Facebook, X, LinkedIn, YouTube, and Instagram, 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.
5) Contact Information and Images
In certain circumstances, with your permission, our app may ask to be granted access to your phonebook or contact information stored on your mobile device to provide various features like Zelle Payments. We will only use this information as necessary to enable such features and to comply with federal, state, local laws, or other legal requirements.
Our app may also request access to your camera for you to be able to use our remote deposit capture service. The front and back pictures of checks you send will only be used for our remote deposit capture service. Such images will only be accessible to us and our service providers who help enable our remote deposit capture service. We will only disclose the check photos to third parties if necessary to process your remote deposit and to comply with federal, state, or local laws, or other legal requirements.
Additionally, if you are applying for credit union membership on our website, we may ask you to upload a copy of your government issued identification card for us to comply with our regulatory requirements. This information is only used to open your account and disclose this information to third parties as necessary to process your membership application and to comply with federal, state, or local laws, or other legal requirements.
6) Financial Information and Government Identification
The online banking service on our website and mobile application collects financial and payment information to process transactions such as bill payments. Furthermore, our website and mobile application may prompt you to provide a copy of your government issued identification card or collect government identification numbers in connection with an application for membership or a loan with us. We will never publicly disclose any of your financial information, payment information, or government issued identification card or card number. Such information may be disclosed only to our service providers for the purpose of processing transactions you request from us or maintaining your accounts with us, and such service providers are restricted from forwarding transfers of such information to other parties except in furtherance of processing your requested transactions or compliance with federal, state, or local laws, or other legal requirements.
We do not and will not sell your personal information. We share your information as required to meet legal and regulatory obligations. We share your personal information that you have provided to us in connection with applying for membership and/or financial products with us (“personally identifiable financial information”) with affiliates and third parties in accordance with the practices set forth in the U.S. Consumer Privacy Notice.
With respect to other information that we collect from you online, which includes personal information from the use of our online services as well as online activity data, we use such information for a variety of reasons, including:
By using the online services, our website, or our App, we may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.
We disclose your personal information and online activity data to third parties for only our business purposes and to comply with our legal requirements. The general categories of third parties that we share with are as follows:
How You Can Manage Your Information Online:
If you are an online banking user, you may access information and update some of your personal information quickly and easily online (e.g., change or reset your PIN, Password, phone number, or postal address, including email address(es).
Service Providers on the Internet:
Occasionally, you will notice on our website that services are "Powered by" or "Provided by" content providers or technology service partners. We contract with these vendors to help serve you better. We are highly selective in choosing these companies, and they are only allowed to use member information for the purpose of providing the contracted services.
Co-branded and Alliance Relationships:
We have established relationships with other parties on the internet. These other companies are accessed either through the use of, or by offering "co-branded" sites in which both America First Credit Union and the other company share the same URL, domain name, or pages within a domain name on the internet, and the names or logos of both companies are displayed. Generally, we do not own the co-branded sites and therefore do not control how those companies use any information supplied to them. It's important that you review their privacy policy to understand how they manage any information you supply them. However, if you are providing us with information, we will always adhere to our Privacy Policy.
Email Opt-Out Procedure:
If you no longer wish to receive marketing/promotional emails from America First Credit Union, please click the unsubscribe link included in the footer of all our marketing and promotional emails. Call 1-800-999-3961, send an email to support@americafirst.com, or write to:
America First Credit Union
P.O. Box 9199
Ogden, Utah 84409
America First Credit Union Terms and Conditions for Members Implementing Free to End User (FTEU) SMS Fraud Alerts:
America First Credit Union will use short code 80942 to send text alerts to you when we have detected possible fraudulent transactions on your Visa® debit or credit card account. Any fraud text alerts with a short code other than 80942 may be from an unauthorized source. You acknowledge that you are aware of and agree to be bound by the following terms and conditions:
Linking to Other Websites:
Our websites, online services, and online or mobile banking may contain links to third party websites. Although these links were established to provide you with access to useful information, we do not control and are not responsible for any of these websites or their contents. We do not know or control what information third-party websites may collect regarding your personal information. We provide these links to you only as a convenience, and we do not endorse or make any representations about using such third-party websites or any information, software, or other products or materials found there, or any results that may be obtained from using them. We encourage you to review the privacy statements of websites you choose to link to from our websites so that you can understand how those websites collect, use, and share your information. We are not responsible for the security or privacy practices of the linked websites.
Protecting Children’s Privacy:
We respect the privacy of children and comply with the practices established under the Children’s Online Privacy Protection Act (COPPA). Our website and mobile application do not target children. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen. We may, however, collect information about consumers under the age of thirteen on our website or mobile application directly from their parents or legal guardians in connection with the financial products and services that we offer to our members, such as, without limitation, adding children as beneficiaries to bank accounts. For more information about COPPA, please visit the Federal Trade Commission website: www.ftc.gov.
Data Retention:
We may retain your personal information and online activity data even if you decide to terminate your membership with us, close your accounts with us, and/or delete our app or cease use of our websites based on the following:
Contact Us:
You may contact us regarding any question, concern, or matter pertaining to this Online Privacy Notice at:
Phone: 1-800-999-3961
Website: americafirst.com
Mail:
Attn: Marketing, America First Credit Union
P.O. Box 9199,
Ogden, UT 84099
Updates to this Online Privacy Notice:
From time to time, we may change this Online Privacy Notice. The effective date of this Online Privacy Notice, as indicated above, reflects the last time this Online Privacy Notice was revised. Any changes to this Online Privacy Notice will become effective when we post the revised Online Privacy Notice on our website. Your use of our websites, online services, or online or mobile banking following these changes means that you accept the revised Online Privacy Notice.
At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve.
