FORUM Credit Union Business Digital Banking Privacy Policy

FORUM CU Business (App) makes it easy to manage your finances on the go.

The App allows you to:                     

• get real-time balances for your accounts
• manage your money
• view your transactions
• make transfers
• pay your bills and manage payees
• deposit a check

This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure  of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”).

The Types of Information We Collect In The App

Through your use of the Services, we may collect personal information from you in the following ways:

1. Personal Information You Provide to Us.

• We may collect personal information from you, such as your first and last name,  physical or mailing address, e-mail address, telephone number, passwords and government identifiers like your social security number (SSN) or drivers' license number.
• We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, and transaction and payment history
• If you contact us via email, we will collect your name and email address, as well as any other content included in the email, to send you a reply.
• FORUM CU also collects other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.

2. Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as:

• Device data, such as your computer’s and/or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, LTE, 3G), and general location information such as city, state, or geographic area.
• Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
• Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
• Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
• Web beacons, also known as pixel tags or clear GIFs, are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
• Information from your device's camera and photos when you use our mobile check deposit service. 

How We Use Your Information Collected in The App

1. General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you with the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:

• facilitate the creation of, and secure and maintain your account
• identify you as a legitimate user in our system
• provide improved administration of the Services
• provide the Services you request
• improve the quality of experience when you interact with the Services
• send you administrative e-mail notifications, such as security or support and maintenance advisories
• send surveys, offers, and other promotional materials related to the Services

2. Compliance and protection. We may use your personal information to:

• comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities
• protect our, your or others’ rights, privacy, safety, or property (including by making and defending legal claims)
• audit our internal processes for compliance with legal and contractual requirements and internal policies
• enforce the terms and conditions that govern the Service
• prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft

3. Creation of Non-Identifiable Data. The App 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.

Disclosure Of Your Personal Information

We disclose your personal information collected through your use of the Services as described below.

• In Accordance with our other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
• Third-Party Service Providers. We may share your personal information with third-party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.
• Authorities and Others. Regardless of any choices you make regarding your personal information, the App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.

Links To Other Sites

The App may contain links to third-party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

Safeguards And Retention

We implement reasonable administrative, technical, and physical measures to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification, and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

Privacy Policy 

This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgment of such changes.

Contact Us 

If you have any questions or complaints about this Privacy Policy, or the App’s data collection or processing practices, please contact FORUM Credit Union by email at: forumcommercialgroupoperations@forumcu.com or by mail at:

FORUM Credit Union
PO Box 50738
Indianapolis, IN 46250-0738