Privacy Policy
WHAT DOES APCU/CENTER PARC DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. The information can include:
- Social security number and Credit History
- Credit Scores and Overdraft History
- Account Balances and Credit Card or other Debt
How?
All financial companies need to share Member’s personal information to run their everyday business. In the section below, we list reasons financial companies can share their Member’s personal information; the reasons APCU/Center Parc chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does APCU/Center Parc Credit Union share?
Can you limit this sharing?
For our everyday business purposes
–such as processing your transactions, maintaining your account(s), responding to court orders and legal investigations, or reporting to credit bureaus
Yes
No
For our marketing purposes –to offer our products and services to you
Yes
Yes
For joint marketing with other financial companies
Yes
Yes
For our affiliates’ everyday business purposes
– information about your transactions and experiences
No
We don’t share
For our affiliates’ everyday business purposes
– information about your creditworthiness
No
We don’t share
For non-affiliates to market to you
Yes
Yes
To limit our sharing
- To Opt-Out call us at (404) 768-4126 or Toll-free at (800) 849-8431 and an operator will assist you.
- Visit us online: www.apcu.com
Please Note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Call us at (404) 768-4126 or Toll-free at (800) 849-8431 or visit us online at: www.apcu.com
Who we are
Who is providing this notice?
APCU/Center Parc Credit Union
What we do
How does APCU/Center Parc protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We restrict access to your personal information to only employees who have a specific business purpose in utilizing your data.
How does APCU/Center Parc collect my personal information?
We collect your personal information, for example, when you:
- open an account or apply for a loan
- make a wire transfer or pay your bills
- make deposits or withdrawals from your account
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes — information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
- APCU/Center Parc does not share with our affiliates.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- APCU/Center Parc shares with non-affiliates to provide information on APCU products and services.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies and other financial services companies.
APCU/Center Parc Mobile App Security
Protections for APCU/Center Parc member data on mobile applications:
All data exchanged between Mobile Web Banking and Mobile Banking Apps with APCU/Center Parc is protected in transit using Transport Layer Security (TLS). All offerings provide strong password requirements and aggressive idle timeouts. In Mobile Web Banking, no member information is stored or cached in the device. Mobile Banking Apps use the device’s secure storage to host sensitive data.
Controls to prevent unauthorized access to APCU member accounts in Mobile Web Banking and Mobile Banking Apps:
Mobile Web Banking and Mobile Banking Apps use out-of-band multifactor authentication to authenticate users at login.
Controls to keep Online Banking information (including login credentials) secure: Mobile Web Banking does not store any information in the user’s device or the Web browser cache. Mobile Banking Apps use the device’s secure storage to host sensitive data. All data is securely transmitted to Digital Insight servers using TLS.
MFA and challenge questions via the mobile channel:
APCU/Center Parc does not use challenge questions in the registration process or for any other user verification need. Answers to challenge questions can be discovered or guessed easily. Instead, one-time passcodes (OTPs) sent out of band (OOBA) using SMS or phone calls are used.
Secure functionality on mobile devices, laptop or desktop computers:
To reduce risk, our mobile solutions do not allow risky activities like changing profile information. Tablets have many of the same weaknesses that are observed in other mobile devices like smartphones. For this reason, all security restrictions that apply to phones also apply to tablets.
Lost or stolen mobile device security measures:
If a member’s mobile device is lost or stolen after authentication, the account cannot be accessed without the username and password.
Mobile Remote Deposit Capture security measures:
Mobile Remote Deposit Capture is secured by the same means as the rest of the mobile application.
Location:
The APCU/Center Parc app collects location data to enable geocoding and beacon scanning essential for advertising/marketing campaign delivery. The APCU/Center Parc mobile app creates a random user GUID upon initial app access, which is later used during every connection with the mobile app. This GUID is unique for each device/app and changes after every app reinstall. The APCU/Center Parc mobile app tracks user’s app entry, app exit, and pages viewed within the app. The app collects user’s first name for product personalization purposes. The mobile app works in the background, even when the app is closed or not in use and it is also used to support advertising.
