Online eBanking and Mobile Banking Agreement

This agreement contains the terms and conditions for using Signal Financial FCU’s Online eBanking and/or Mobile Banking services. In this agreement, the words you and yours mean those who sign Signal Financial FCU’s Card Control Pluslication or account card as applicants, joint owners, or any authorized users. The words we, us, and our mean the credit union (Signal Financial FCU). The word account means any one or more savings (share), checking (share draft), Shared Certificate (CD), or any other accounts and loan you have with the credit union. The word “Services” means any eBanking or Mobile Services provided by Signal Financial FCU. Certain features, information, types of transactions or other services available while using the Services are only available for certain accounts and may not be available when accessing the Services via mobile device or for all of your accounts.

By accepting this agreement and using eBanking and/or Mobile Banking, you agree to the terms and conditions in this agreement for using the Online eBanking and Mobile Banking, and any additional services available while using our platform (ex. Mobile deposit, external transfers).

From time to time we may add, remove, or modify existing services from our platform, and required notice will be provided as applicable.

1. General Terms and Conditions:

You are responsible for obtaining and maintaining all required hardware, software, and internet connection to access eBanking and Mobile Banking. If your phone, browser, table, or other means you use to connect to eBanking/Mobile banking no longer meet the requirements, we are not required to notify you. It is strongly encouraged that all devices are kept up to date with security, software, and other releases that may impact access.  We are neither responsible for any errors or problems that arise from the malfunction or failure of the internet, or your Systems nor are we responsible for notifying you of any upgrades, fixes, or enhancements to, or for providing technical or other support for your Systems. If the browser of operating system you are using does not meet our security standards or a security feature we have in place, your ability to access eBanking and mobile banking services may be made unavailable or otherwise restricted.

2. Security:

You will select a unique username and password, as well as different forms of multi factor authentication such as a one-time pass code being sent electronically. You are responsible for safekeeping your access and security information. You agree not to disclose or otherwise make your access codes available to anyone.

If an account is held in more than one name, each person will be required to register for their own online access independently from any other owners. Permission from other owners is not required.

Failure to secure your online log-in information may result in loss of funds as well as personal information being accessible to an unauthorized party.

Do not give your password or MFA codes to anyone. Signal Financial FCU will never call or text and ask for your password or MFA code to log into your account.

If you permit any 3^rd parties to access your account, you are responsible for any and all activity conducted by the 3^rd party you provided your log-in and security information to.

If you believe your account has been compromised in any way, you agree to notify us immediately by chat, in person, or by calling 301-933-9100.

(If after hours, change your password immediately).

3. Use of eBanking and Mobile Banking Services

eBanking and mobile banking must be used in accordance with this agreement.

You specifically agree that you will not use eBanking and Mobile Service for communications or activities that: (a) violate any law, statute, ordinance or regulation; (b) promote hate, violence, racial intolerance, or the financial exploitation of a crime; (c) defame, abuse, harass or threaten others; (d) include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (e) infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; (f) impose an unreasonable or disproportionately large load on our infrastructure; (g) facilitate any viruses, trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; (h) constitute use of any robot, spider, other automatic device, or manual process to monitor or copy the Service or the portion of the Site through which the Service is offered without our prior written permission; (i) constitute use of any device, software or routine to bypass technology protecting Signal Financial FCU’s website or our eBanking and Mobile Service, or interfere or attempt to interfere, with the Online and Mobile Service; or (j) may cause us or our third-party service providers to lose any of the services from our Internet service providers, payment processors, or other vendors. Signal Financial FCU reserves the right to limit, terminate, or suspend access to eBanking, Mobile Banking as a whole, or to suspend or terminate services within each without notice to you, for any reason unless prohibited by law.

4. Misuse of eBanking and/or Mobile Banking

You are personally responsible for any and all action, and transactions done by you or your authorized parties while using eBanking or Mobile banking. You agree that transactions will not be done unless funds are available for the transaction. You agree to defend, indemnify and hold us and our officers, directors, employees and agents harmless from and against any loss, damage, liability, cost or expense of any kind (including, but not limited to, reasonable attorneys’ fees) that we may incur if a third-party brings or threatens to bring a claim or otherwise, arising from or related to your use of any eBanking and/or Mobile Service or the use of the any Online eBanking and/or Mobile Service by anyone using your means of access to any Online and/or Mobile Service including a Card number, account number, PIN, Username or Password or your violation of this Agreement or the rights of any third-party (including, but not limited to, privacy rights). Your obligations under this paragraph shall survive termination of this Agreement.

5. GOVERNING LAW

This agreement is governed by the bylaws of the credit union, federal laws and regulations, the laws and regulations of the state of Maryland and local clearinghouse rules, as amended from time to time. Any disputes regarding this agreement shall be subject to the jurisdiction of the court of the county in which the credit union is located.

6. Notifications (Emails, Text Messages, and Alerts)

We may notify you by calling, emailing, or texting the phone number or email address you have provide unless it is required by law to mail the correspondence/notification. You may also enroll for additional alerts or messaging services available in eBanking/Mobile. Signal Financial FCU is not responsible for changes that may be incurred by your service provider for receiving electronic notifications/Text Messages.

Notifications are a courtesy and do not mitigate the fact that the monthly statement must be reviewed to confirm all transactions are valid.

If your phone number, email address or other contact information changes, it is your responsibility to update your personal information. Failure to do so may result in notifications and/or calls being sent to someone else that is not an owner of the account.

If you do not update your contact information, we are not responsible for any information sent to the incorrect contact provided.

In addition, you understand and agree that some of these communications may not be encrypted and may include personal or confidential information.

7. Consent for Electronic Signature and Documents

Some laws require that we send certain notices, disclosures, and communication in paper form unless we obtain your consent to send such notices and communications electronically.

You have the right to request paper copies of notices, disclosures, communications, or applications at any time. (Fees may apply when applicable)

You agree to, as allowed by law, accept notices, disclosures, communications, and applications in electronic form. As part of this you agree to allow the use of an electronic signature to take place of you written signature and agree this will be binding just as a written signature.

In instances when written notice is required to be sent by Signal Financial FCU, or to be received by Signal Financial FCU as applicable by law, these written notices will be required and will not be provided or accepted in electronic format. As the law changes this document will be applicable to any and all documents allowed now and in future to be delivered and accepted electronically.

8. Other Sites Available

While using eBanking or Mobile Banking there may be links to other websites or services available that are not owned or operated by Signal Financial FCU. Your use of their site or services is at your sole discretion. Signal Financial FCU is not responsible for the content or services offered and as such cannot guarantee any such content or services.

9. Additional Fees

There is no fee by Signal Financial FCU for the general use of eBanking or Mobile Baking, however there may be fees associated with using additional services available. When making a loan payment using an external debit card, fees will apply by merchant or processor.

All applicable fees will be disclosed prior to processing the transaction requested. For additional information refer to the disclosure for the specific service or product.

For a list of fees by Signal Financial FCU see our website, https://www.signalfinancialfcu.org/deposit-rates.

Signal Financial FCU’s Card Control Plus

Privacy Policy

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 Signal Financial FCU’s Card Control Plus’s website and mobile application (the “Services”).

THE TYPES OF INFORMATION WE COLLECT IN SIGNAL FINANCIAL FCU’S CARD CONTROL PLUS

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

• Personal Information You Provide to Us.
  • We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
  • We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
  • If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
  • We also collect 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.
• Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
• 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 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, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
  • Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when Signal Financial FCU’s Card Control Plus is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

HOW WE USE YOUR INFORMATION COLLECTED IN SIGNAL FINANCIAL FCU’S CARD CONTROL PLUS

• 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 the Services you request, and to help serve you better. We use your personal information, in connection with Signal Financial FCU’s Card Control Plus, 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; and send surveys, offers, and other promotional materials related to the Services.

• 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; and
  • prevent, identify, investigate / deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.
• Creation of Non-Identifiable Data. Signal Financial FCU’s Card Control Plus 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 Signal Financial FCU’s Card Control Plus, 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 Signal Financial FCU’s Card Control Plus, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to Signal Financial FCU’s Card Control Plus.
• Authorities and Others. Regardless of any choices you make regarding your personal information, Signal Financial FCU’s Card Control Plus 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

Signal Financial FCU’s Card Control Plus may contain links to third party websites. When you click on a link to any other website or location, you will leave Signal Financial FCU’s Card Control Plus and go to another site and another entity may collect personal and/or anonymous information from you. Signal Financial FCU’s Card Control Plus’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.

YOUR CHOICES REGARDING YOUR INFORMATION

You have several choices regarding use of information on the Services.

• How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not act in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
• Access, Update, or Correct Your Information. You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.
• Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the “unsubscribe” link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under “Contact Us” below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
• Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of Signal Financial FCU’s Card Control Plus.

SAFEGUARDS AND RETENTION

We implement reasonable administrative, technical, and physical measures in an effort 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.

A NOTE ABOUT CHILDREN

The Services are not directed towards individuals under the age of 18, and we do not, through Signal Financial FCU’s Card Control Plus, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through Signal Financial FCU’s Card Control Plus and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.

PRIVACY POLICY UPDATES

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 acknowledgement of such changes.

CONTACT US

If you have any questions or complaints about this Privacy Policy or Signal Financial FCU’s Card Control Plus’s data collection or processing practices, or if you want to report any security violations to Signal Financial FCU’s Card Control Plus, please contact Signal Financial FCU’s Card Control Plus by sending a secured message through online/mobile banking, by email at MemberService@signalfinancialfcu.org (do not include any personal or confidential information) or by mail at:

3015 University Blvd W
Kensington, MD 20895