Coast360 Federal Credit Union Mobile Banking Privacy Notice

Last Updated: March 2024

Coast360 Mobile Banking – powered by Fiserv – helps you manage your money, and view your transactions and accounts, making it easy to manage your finances on the go.

Coast360 provides the Services to users as a service provider. This Privacy Notice, in combination with relevant privacy notices that Coast360 provides to you (e.g., pursuant to financial privacy laws), informs you of the policies and practices regarding the collection, use, and disclosure of any personal information that Coast360 collects from or about users in connection with our mobile application (the “Services”). You can find more information about Coast360 privacy policies and your choices at www.coast360fcu.com or by contacting us at (671) 477-8736 (toll-free from the U.S. mainland at 1-866-217-4858).

Services offered by Coast360 Mobile Banking may allow you to:

• get real-time balances for your accounts
• manage your money
• view your transactions and statements
• make transfers
• pay your bills and manage billers
• pay other people
• deposit a check
• manage cards
• locate branches and ATMs
• receive alerts
• communicate with us via email or chat

THE TYPES OF INFORMATION COAST360 MOBILE BANKING COLLECTS

Coast360 may collect personal information from you in the following ways:

(a) Personal Information You provide to us.

• Coast360 may collect personal information from you such as your first and last name, address, e-mail address, User IDs, telephone number, and social security number when you open a new financial account or register for other financial services. Device images/videos may be accessed when you deposit a check or make peer-to-peer payments using Bill Pay or other payment functionality. Device contacts may be accessed when you make peer-to-peer payments using Bill Pay or other payment functionality. Device location may be accessed to detect and prevent card transaction fraud, deposit fraud, and to provide branch and ATM locations.
• Coast360 may 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 Coast360 via email, Coast360 will collect your name, email address, and any other content included in your email messages to us necessary to send you a reply.
• Coast360 also collects other types of personal information that you provide voluntarily, such as any information requested by Coast360 Mobile Banking if you contact Coast360 via email regarding support for the Services.

(b) Personal Information Collected from Third Parties. Coast360 may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, necessary to provide some of our Services.

(c) 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., WiFi, 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, 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 to help you navigate between pages efficiently, remember your preferences, enabling functionality, and helping us understand user activity and patterns.
• Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, Coast360 will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want Coast360 to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

HOW COAST360 MOBILE BANKING USES YOUR INFORMATION

(a) General Use. In general, Coast360 uses your personal information to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. Coast360 uses your personal information in the following ways:

• facilitate the creation of, secure, and maintain your account;
• identify you as a legitimate user in Coast360’s 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 and/or push notifications, such as security or support and maintenance advisories

(b) Compliance and protection. We may use your personal information to:

• comply with applicable laws, lawful requests, and legal processes, such as responding 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, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.

(d) Creation of Non-Identifiable Data. Coast360 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. Coast360 may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance Coast360 products and services. Coast360 reserves the right to use and disclose non-identifiable information to third parties at its discretion.

DISCLOSURE OF YOUR PERSONAL INFORMATION

Coast360 discloses your personal information as described below.

(a) Third Party Service Providers. Coast360 may share your personal information with third-party or affiliated service providers that perform services for or on behalf of Coast360, for the purposes described in this Privacy Notice, 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 Coast360.

(b) Corporate Restructuring. Coast360 may share some or all of your personal information in connection with or during negotiation of any merger, financing, acquisition or dissolution transaction involving the sale, transfer, divestiture, or disclosure of all or a portion of Coast360’s business or assets. In the event of an insolvency, bankruptcy, or receivership, personal information may also be transferred as a business asset. If Coast360’s company, business or assets are acquired by another company, that company will possess the personal information collected by Coast360 and the company will assume the rights and obligations regarding your personal information as described in this Privacy Notice.

(c) Authorities and Others. Regardless of any choices you make regarding your personal information, Coast360 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 Services may contain links to third party websites. When you click on a link to any other website or location, you will leave the Services and go to another site and another entity may collect personal and/or anonymous information from you. Coast360’s provision of a link to any other website or location is for your convenience and does not signify Coast360’s endorsement of such other website or location or its contents. Coast360 has no control over, does not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Notice do not apply to these outside websites. We encourage you to read the privacy notice of every website you visit.

YOUR CHOICES REGARDING YOUR INFORMATION

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

(a) 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. Coast360 currently does not take action in response to these signals. If and when a standard is established, Coast360 may revise its policy on responding to these signals.

(b) Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. To do so, you should contact Coast360.

(c) Opting Out of SMS Communications. If you provide your phone number through the Services, Coast360 Mobile Banking may send you notifications by SMS, such as providing a verification code. You may opt out of SMS communications by replying STOP to the SMS Message however you may no longer be able to use some features of the Services.

(d) 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 Coast360’s collection of location information, you may no longer be able to use some features of the Services.

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.

Federal laws and regulations require that US financial institutions retain original, active and historical records. Your personal and financial data will be retained for a period of five to ten years, depending on applicable laws, regulations and legitimate business needs.

CHILDREN’S ONLINE PRIVACY

Coast360 Federal Credit Union restricts the use and disclosure of personal information it collects about children, which is information their parents or legal guardians provide to open account in their name or as beneficiaries. We do not knowingly collect personal information from individuals under the age of 13 on any of our sites without obtaining consent from a parent or legal guardian. For more information about the Children's Online Privacy Protection Act, visit the Federal Trade Commission's website at www.consumer.ftc.gov.

PRIVACY NOTICE UPDATES

This Privacy Notice is subject to occasional revision. Coast360 may notify you, in their sole discretion, of any material changes in Coast360’s collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Notice will be effective thirty (30) calendar days following notice of the changes on the Services or immediately where no notice is given. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify Coast360 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 (or use of the Services after any such changes) shall indicate your acknowledgement of such changes.

CONTACT COAST360 FEDERAL CREDIT UNION

If you have any questions or complaints about this Privacy Notice or Coast360’s data collection or processing practices, or if you want to report any security violations regarding Coast360 Mobile Banking, please contact Coast360 Federal Credit Union at:  contactcenter@coast360fcu.com; or call (671) 477-8736 (toll-free from the U.S. mainland at 1-866-217-4858; or by mail at:

Coast360 Federal Credit Union

ATTN: Support Services

450 Route 8

Maite, Guam 96910.