Online Privacy Policy

Information Collected

We collect several types of information from and about users of our Site. For example, we may collect:

• Personal Identifiers – like your name, mailing address, email address, phone number, date of birth, government-issued identifier (e.g., Social Security number, tax ID number, driver’s license, or other government ID), username and password, and other information that directly identifies you.
• Account Information – like account number, credit/debit card number, account history, account balances, loan details, vehicle or property information, information about beneficiaries and joint account holders, and other information related to your accounts and applications.
• Business Information – like business-related information (e.g., business name, address, revenue, and industry type), business contact, and professional information.
• Transaction Information – like transaction details when you transfer money to or from your accounts, third party billing information or statements, credit/debit card purchases, payment or transaction history, and payment card details.
• Credit Report Information – like your credit score, credit history, and other information that we receive from credit reporting agencies.
• Demographic Information – like gender, marital status, age, citizenship, household size/composition, education information, income, occupation, veteran or military status, and employment status.
• Biometric Information – like fingerprints, voiceprints, scans of your facial geometry, keystroke, and mouse movement patterns.
• Geolocation Information – like internet protocol address, device location, and any information used to identify your physical location.
• Device Information – like your device type, web browser type and version, operating system type and version, display/screen settings, language preferences, device contacts (e.g., to facilitate payments), photos (e.g., to deposit checks), mobile network information, general location (e.g., city, state, or country), precise location (e.g., latitude/longitude to find a nearby branch or ATM), cookie IDs, device IDs, mobile advertising IDs, and likely connections among different browsers and devices that you use.
• Online/Mobile Activity Information – like login data, communication preferences, search history, information about how you use and interact with our Site (including content viewed, links clicked, and features used), when and how often you use our Site, and the webpage from where you were directed to our Site.
• Marketing Information – like your marketing preferences, information about products or services we think you might like, and inferences based on your interactions with us or our partners (e.g., Online/Mobile Activity Data used for targeted advertising).
• Survey and Research Information – like your responses to questionnaires, surveys, requests for feedback, and research activities.

If you inquire about or apply for a job at Notre Dame FCU through our Site, we or an authorized third party may also collect:

• Employment Application Information – like professional, employment-related, and education history collected through the Site about job applicants, employees, associates, contractors, or other members of our workforce.

If you fill out a web form on the Site your information will be stored in our customer relationship management (CRM) system and/or content management system (CMS). If you do not wish for us to have your personal information, please do not fill out any of the web forms on this site.

Through our site, you may be able to post or discuss content. In most cases your content and name that you provide will be made publicly available online. Your email address will not be made publicly available online. By contributing to the Site in this way, you are giving Notre Dame FCU permission to republish and use this information pursuant to the Terms of Use, located in the privacy & security section of the Website.

Automatic Data Collection and Tracking Technologies

As you interact with our Site, we may use automatic data collection technologies to collect certain information about your device, browsing actions, and patterns, including:

• Details of your visits to our Site, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Site.
• Information about your device and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we already have. It helps us to improve our Site and to deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize our Site according to your individual interests.
• Speed up your searches.
• Recognize you when you return to our Site.

The technologies we use for this automatic data collection and tracking may include:

• Server Logs – Server logs automatically capture details of your online interactions with us, such as the time and date of your website visit.
• Cookies – A cookie is a small file placed on your computer’s hard drive. You can refuse to accept cookies by changing your browser settings, but this may limit access to parts of our Site. If you don’t adjust your browser settings to refuse cookies, our Site will place and use cookies. For details on managing cookie privacy and security, see Choices About the Use and Disclosure of Your Information.
• Pixels/Web Beacons/Web tags – Pixels, web beacons and web tags are an image or small code in a website or online ad. They enable companies (us or our service providers) to set or read cookies or transfer data to their servers when you load a webpage or interact with online content. For instance, we or our service providers might use pixels to see if you have interacted with part of our website or viewed an online ad.
• SDKs – Software Development Kits (“SDKs”) are code integrated in mobile apps to connect them to third party technologies and services, such as in-app ad displays and tools for analytics. SDKs may be used to track users with an advertising ID (such as Apple’s IDFA and Google’s Advertising ID) to identify your mobile device over time for advertising purposes. They can also be used to collect information such as geolocation or IP address.
• Third Party Plugins – Plugins from other companies, including social media companies (for example, through a “Share” or Like” button). Plugins might collect data about your page visits and share it with the plugin creator, even if you do not click on a button. Their use is governed by the creators’ privacy policies and terms.
• Session Replay/Heatmaps – Session replay technology uses trackers added to a user’s browser to record how they navigate a website (mouse clicks, movements and scrolling) and interact with content. A heatmap is a visual representation of user interaction on a website, highlighting sections with more clicks and attention.

Accessing the Website and Account Security

Third Party Use of Automatic Data Collection and Tracking Technologies for Targeted Advertising: Third parties, such as social media platforms, ad networks and servers, content providers, and application providers, may use automatic data collection and tracking technologies to collect information about your use of the Site. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content on third party websites and mobile apps, including online advertisements for our products and services.

We do not control these third party data collection and tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible third party directly. For information about how you can opt out of receiving targeted advertising from certain third parties, see Choices About the Use and Disclosure of Your Information.

How We Use Your Information

We use information that we collect about you or that you provide to us for various purposes depending on how you interact with us, including, but not limited to:

• Providing Products and Services – like evaluating your applications for our products and services, managing your accounts, offering customer support, communicating with you, and providing online tools.
• Processing Transactions – like transferring funds, processing payments and other transactions, fulfilling orders, conducting settlements and billing, clearing or reconciliation activities.
• Identity Verification and Fraud Prevention – like verifying your identity when you apply for products or services, authenticating your login credentials, confirming your location to grant access to your accounts, storing security questions for future verification, assessing fraud risk, and detecting fraudulent transactions.
• Security – like monitoring network logs, detecting incidents, conducting investigations, and protecting against malicious activities.
• Advertising – like sending you offers, displaying online ads, targeting offers or promotions, providing sweepstakes, conducting market research, and improving our marketing.
• Analytics – like analyzing website usage, performance, mobile application features, user interface and experience, feature testing, and debugging.
• Improving Products and Services – like personalizing and optimizing website and mobile experiences, recognizing users across devices and browsers, enhancing existing products and services, and developing new ones.
• Legal and Business Purposes – like complying with laws, responding to lawsuits and investigations, defending legal claims, exercising our rights (including for collections on delinquent accounts), resolving disputes, conducting credit risk analysis and reporting, performing compliance and institutional risk control activities, managing human resources, and overall business operations.
• Aggregating or Deidentifying Information – like using or modifying information to prevent identification of you, for example, compiling aggregated statistics to understand trends or feature usage. Aggregated and de-identified data is not subject to this Privacy Policy.

If you receive a suspicious email from Notre Dame FCU, please forward it to [email protected] and then delete it from your mailbox. And remember, we’ll never contact you via email to confirm your personal information.

Who We Disclose Your Information To

We may disclose personal information that we collect or you provide as follows:

• Affiliates and Acquisitions – We may share information with our corporate subsidiaries and affiliates to deliver products and services and for other business purposes as stated in our Consumer Privacy Notice. If we are to be acquired by or merged with another company, we will share information with the acquiring or merging company, including during negotiations.
• Business Partners – We may share information with companies that we have partnered with to offer or enhance products and services.
• Advertising Providers – We may allow companies to collect information through our Site to provide us with advertising services, including targeted or behavioral advertising.
• Service Providers – We may share your information with service providers who assist us with website administration, surveys, technical support, payment processing, or service fulfillment, or to fulfill your request for their services.
• Credit Reporting Agencies – We share information with credit reporting agencies like Experian, Transunion, and Equifax to report or learn about your financial history and for other lawful purposes.
• Legal Obligations – We may disclose information to government authorities or law enforcement due to legal requirements, such as subpoenas, warrants, court orders or other legal process. Information may also be shared to establish or exercise our rights, defend against legal claims, investigate illegal activities, suspected fraud, safety issues, or policy violations.
• Other Third Parties with Your Consent – We may disclose your information to third parties with your consent. For example, you might authorize third parties to access your information for financial services like account aggregation, payments, or tax preparation. Their privacy policies govern the use of your data. We may block third party access without notice for security reasons.

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

Choices About the Use and Disclosure of Your Information

We strive to provide you with choices regarding the personal information you provide to us. The following may provide you with certain control over your information:

• Universal Opt-Out – We support the Global Privacy Control (GPC), which is a setting that allows you to communicate your privacy preferences to websites and online services that you visit. When we detect a GPC signal from a browser, our Site treats the browser as opted out and to stop sharing personal information for certain targeted advertising purposes, in accordance with applicable laws. Please visit the Global Privacy Control website to learn more about the setting and how to enable it on your browser.
• Interest-Based Advertising – We do not control third parties’ collection or use of your information to serve interest-based advertising. However, third parties that are members of certain self-regulatory associations provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from these third parties by visiting the and by adjusting the privacy settings on your mobile device.
• Manage Cookies On Your Devices – You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this Site may not be accessible or function properly. Please note that due to a lack of consistent standards across browsers, our Site does not respond to “do not track” browser settings.
• Google (Analytics, Ad Manager and YouTube) – The Site sends information to Google Analytics for the purpose of providing us with the ability to conduct technical and statistical analysis on the Site’s performance. Google Ad Manager uses cookies and other tracking technology to collect information about a user’s website activity, allowing them to deliver targeted ads based on browsing history, online behavior, and past ad interactions across different websites. You can find more information about Google’s privacy practices and how to control the information here: “How Google uses information from sites or apps that use our services”: https://policies.google.com/technologies/partner-sites. You can opt-out of having your Site activity available to Google Analytics by installing the Google Analytics opt-out browser add-on for the Chrome browser: https://chromewebstore.google.com/detail/google-analytics-opt-out/fllaojicojecljbmefodhfapmkghcbnh?hl=en. You can manage your advertising preferences on Google sites and apps (including YouTube) here: https://myadcenter.google.com/.
• Meta (Facebook and Instagram) – The Meta pixel relies on Facebook and Instagram cookies, which enable Meta to match Site visitors to their respective Facebook and Instagram user accounts to deliver targeted advertisements. The Meta Pixel also allows us to track the effectiveness of Facebook and Instagram ads for statistical and market research purposes. Please review Meta’s privacy policy for more information about Meta’s privacy practices: https://www.facebook.com/policy.php and https://privacycenter.instagram.com/policy. You can manage your advertising preferences on Facebook and Instagram here: https://accountscenter.facebook.com/ads/ and https://accountscenter.instagram.com/ads/.
• LinkedIn –The LinkedIn Insight Tag allows us to optimize our marketing campaigns on LinkedIn and retarget advertisements on LinkedIn to visitors of our Site. For more information on the LinkedIn Privacy Policy, go to https://www.linkedin.com/legal/privacy-policy. Please review LinkedIn’s privacy policy for more information about LinkedIn’s privacy practices: https://www.linkedin.com/legal/privacy-policy. You can opt out of retargeting on LinkedIn here: https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out.
• X (Twitter) – X pixels and cookies share information about your interactions on our Site, which enable X to match Site visitors to X user accounts to deliver targeted advertisements. X pixels and cookies also allow us to track the effectiveness of X ads for statistical and market research purposes. Please review X’s privacy policy for more information about X’s privacy practices: https://x.com/en/privacy. You can manage your advertising preferences on X here: https://help.x.com/en/safety-and-security/privacy-controls-for-tailored-ads.
• LocaliQ – LocaliQ is a digital advertising platform enabling advertisers that uses artificial intelligence (AI) to provide targeted advertisements through websites, search engines, videos, social media platforms, and email. Please review LocaliQ’s privacy policy for more information about their privacy practices: https://localiq.com/legal/privacy-policy/. You can opt-out of online tracking by LocaliQ here: https://localiq.com/optout/.

Please note that your preferences will apply only to the specific browser or device from which you disable cookies/opt out. You will need to disable cookies/opt out separately on all your browsers and devices. If you delete cookies, change web browsers, reset your mobile advertising ID, or use a different device, you may need to opt out again.

For certain consumers of our financial products and services, our Consumer Privacy Notice governs how we share certain information with our affiliates and third parties, including for their direct marketing purposes, and will enable you to opt out of certain types of sharing.

Links

This Site may contain hyperlinks to third party websites, and while Notre Dame FCU makes all reasonable efforts to hyperlink to websites that share our high standards and respect for privacy, we are not responsible for the content or the privacy practices of third party websites. As such, we encourage you to review the privacy statements of websites you choose to link to from the site so that you can understand how those websites collect, use, and share your information.

Data Security

We have an information security program that includes administrative, technical, and physical measures that are designed to protect information within our company. Unfortunately, the transmission of information via the internet is not completely secure. While we strive to protect your personal information in compliance with applicable laws, we cannot guarantee its security during transmission to our Site. Any transmission of personal information is at your own risk.

Social Media

We have official pages on social media platforms like Meta/Facebook, X/Twitter, YouTube, and LinkedIn. When you engage with us there, we may gather information such as your likes, interests, and preferences. Social media companies may collect and share information about you with us. Posts on our social media pages—including pictures, comments, suggestions, or complaints—are visible to other users. Avoid sharing sensitive personal or confidential information in your posts. Please review the privacy policies of our social media partners when using those platforms.

Children

Our website is not intended or directed at any children who are twelve years of age and under. We operate in compliance with the Children’s Online Privacy Protection Act. We do not knowingly collect or use personally identifiable information from anyone 12 years of age or under. If you are 12 years old or younger, please do not use our site.

Changes

We reserve the right to change these privacy practices in the future. If we make any changes, we will change the Last Updated date above. You are responsible for periodically visiting our Site and this Privacy Policy to check for any changes.

BIOMETRIC INFORMATION PRIVACY POLICY AND CONSENT

This policy outlines how Notre Dame Federal Credit Union, its vendors, and/or the licensor of Notre Dame Federal Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.

Biometric Data Defined

As used in this policy, biometric data includes “biometric identifiers” and “biometric information”. “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a “biometric identifier.” “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.

Disclosure and Authorization Policy

To the extent Notre Dame Federal Credit Union, its vendors, and/or the licensor of Notre Dame Federal Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, Notre Dame Federal Credit Union must first:

• Inform each consumer Notre Dame Federal Credit Union, its vendors, and/or the licensor of Notre Dame Federal Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the consumer’s biometric data, and Notre Dame Federal Credit Union is providing such biometric data to its vendors and the licensor of Notre Dame Federal Credit Union’s consumer verification software;
• Inform the consumer of the specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used; and
• Receive consent by the consumer authorizing Notre Dame Federal Credit Union, its vendors, and/or Notre Dame Federal Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by Notre Dame Federal Credit Union, and for Notre Dame Federal Credit Union to provide such biometric data to its vendors and the licensor of Notre Dame Federal Credit Union’s consumer verification software.
• Notre Dame Federal Credit Union, its vendors, and/or the licensor of Notre Dame Federal Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from consumer’s biometric data; provided, however, Notre Dame Federal Credit Union’s vendors and the licensor of Notre Dame Federal Credit Union’s consumer verification software may be paid for products or services used by Notre Dame Federal Credit Union utilizing such biometric data.

This policy is intended to comply with all federal, state, and local laws.

Purpose for the Collection of Biometric Data

Notre Dame Federal Credit Union, its vendors, and/or the licensor of Notre Dame Federal Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.

Disclosure

Notre Dame Federal Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of Notre Dame Federal Credit Union’s consumer verification software providing products and services using biometric data without/unless:

• First obtaining consumer consent to such disclosure or dissemination;
• The disclosed data completes a financial transaction requested or authorized by the consumer;
• Disclosure is required by law or ordinance; or
• Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.

Security

Notre Dame Federal Credit Union shall use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in the same manner as or more protective than the manner in which Notre Dame Federal Credit Union stores, transmits and protects from disclosure other confidential and sensitive information, including personal information used to uniquely identify an individual or an individual’s account or property, such as, account numbers, PINs, driver’s license numbers and social security numbers.

Retention

Notre Dame Federal Credit Union shall retain consumer biometric data only until, and shall request its vendors and the licensor of Notre Dame Federal Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:

• The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity.
• Request of consumer to destroy the biometric data; or
• Within 30 days of consumer’s provisioning of biometric data.

Contact Information

If you have any questions about our use, storage, or security of your biometric data you can contact us at: [email protected].

BIOMETRIC INFORMATION CONSUMER CONSENT

As outlined in the “Biometric Information Privacy Policy”, I understand and consent to the collection, use, retention, storage, and/or disclosure or re-disclosure of data or images from biometric verification technology by Notre Dame Federal Credit Union, its vendors, and/or the licensor of Notre Dame Federal Credit Union’s consumer verification software. I acknowledge I have been given a copy of the Policy, or the Policy has been made accessible to me, and I have had an opportunity to review it and request any additional information concerning Notre Dame Federal Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.

SMS Privacy Policy

Notre Dame FCU is committed to protecting the privacy of our users, including those who opt to receive SMS communications. We will not share, sell, or trade your SMS opt-in information with any third parties. Your information is used exclusively to provide the requested SMS communications, respond to your inquiries, or send updates that are relevant to transactions or services you have with us. If at any time you wish to opt out of receiving SMS communications, follow the opt-out instructions provided in the messages or contact us directly for assistance. If you have any questions about our use, storage, or security of your data you can contact us at: [email protected].