Privacy Policy for HCP Credit Union Mobile App
Effective Date: January 30, 2025
Last Updated: January 30, 2025
Contact Information: Contact@hcpfcu.org
1. Introduction
HCP Credit Union ("we," "us," "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ("App"). By using our App, you agree to the practices described in this Privacy Policy.
2. Information We Collect
We collect the following types of information when you use our App:
a. Personal and Sensitive User Data
We may collect and process the following information:
Personal Information: Name, email address, phone number, mailing address.
Financial Information: Account details, transaction history, payment information.
Authentication Information: Username, password, security questions.
Device Information: IP address, device ID, operating system, mobile carrier.
Location Data: If enabled, we collect precise location data for fraud prevention and location-based services.
b. Automatically Collected Information
We may collect non-personal information such as:
Usage data (e.g., pages visited, time spent in the App).
Device diagnostics and performance metrics.
3. How We Use Your Information
We use your information to:
Provide and improve our App’s services.
Authenticate and secure your account.
Process transactions and payments.
Send account notifications and alerts.
Prevent fraud and comply with legal obligations.
Enhance user experience with personalization.
4. Data Sharing and Disclosure
We do not sell your personal or sensitive data. However, we may share data with:
Service Providers: Third-party vendors who assist in app functionality, such as payment processors and fraud detection services.
Legal Compliance: When required by law, we may share data with government authorities.
5. Data Security
We implement industry-standard security measures, including encryption (e.g., HTTPS) and access controls, to protect your data from unauthorized access.
6. Your Rights and Choices
You have the right to:
Access, correct, or delete your data.
Withdraw consent for data collection.
Opt-out of non-essential data sharing.
7. Account Deletion
If you create an account through our App, you may request its deletion at any time by:
Contacting us at Contact@hcpfcu.org or calling our main branch at 765-962-3172
Upon deletion, all associated data will be removed unless required for legal or regulatory purposes.
8. Third-Party Services and SDKs
Our App uses Software Development Kits (SDKs) to enhance functionality and security. SDKs are pre-built software tools that help integrate certain features without requiring us to develop them from scratch.
Specifically, we use SDKs for:
Biometric Authentication (Fingerprint & Face Recognition): To provide a secure and convenient login experience, our App integrates third-party SDKs that enable fingerprint and face recognition on supported devices.
Security & Fraud Prevention: These SDKs help us verify user identity and prevent unauthorized access.
Device Compatibility: SDKs ensure biometric authentication functions correctly across different smartphone brands and models.
How We Handle Biometric Data
Local Storage Only: Your fingerprint and face recognition data are not stored or transmitted to HCP Credit Union or any third-party servers. Instead, this data remains securely stored on your device and is processed through the device's built-in security features.
Encryption & Privacy: The biometric SDKs we use comply with industry standards to ensure data security and privacy.
We do not use biometric data for tracking, marketing, or any purpose other than secure authentication.
9. Updates to This Privacy Policy
We may update this policy from time to time. Changes will be posted in the App and on our website.
10. Contact Us
If you have any questions, please contact us at:
HCP Credit Union
1810 Williamsburg Pike
Richmond, IN 47374
Contact@hcpfcu.org
765-962-3172