Privacy Policy

2. Information We Collect

We may collect the following types of information:

• Personal Identification Information: This includes your name, contact information (email address, phone number), date of birth, identification numbers, and any other information you provide to us during the account registration or service request process.
• Financial Information: We collect financial data such as account details, transaction history, and payment information in order to provide you with our banking services.
• Device and Usage Data: This includes information about your device (IP address, browser type, operating system), as well as your usage patterns on our website, mobile applications, or other online services (pages visited, links clicked, etc.).
• Communication Data: We collect information from any interactions you have with our customer service team, including email correspondence, chat messages, or calls.

3. How We Use Your Information

We use the collected information for the following purposes:

• Providing Services: To deliver the products and services you request, including processing transactions, managing your accounts, and responding to inquiries.
• Account Management: To maintain and update your account information, communicate with you regarding your account, and provide notifications about updates or changes to our services.
• Marketing and Communication: To inform you about products, services, and promotions that may interest you, based on your preferences. You can opt-out of receiving marketing communications at any time.
• Improving Services: To enhance the functionality and performance of our website and mobile apps by analyzing user behavior, and ensuring a smooth user experience.
• Legal and Compliance: To comply with legal and regulatory requirements, including anti-money laundering (AML) and Know Your Customer (KYC) obligations, fraud prevention, and financial reporting.

4. How We Protect Your Information

Wellsville Credit Union Bank employs industry-standard security measures to protect your personal and financial information. These measures include:

• Encryption: All sensitive data, including your personal and financial details, is encrypted using secure technologies to prevent unauthorized access.
• Access Controls: We restrict access to your personal information to authorized personnel only, who are required to follow strict confidentiality and security protocols.
• Regular Audits: We conduct regular security audits to ensure that our systems and processes are secure and up to date with the latest cybersecurity best practices.

5. Sharing Your Information

We do not sell, rent, or trade your personal information to third parties. However, we may share your information with the following parties under specific circumstances:

• Service Providers: Third-party companies that provide services on our behalf, such as payment processors, IT service providers, and customer support teams. These providers are required to keep your information confidential and use it solely to perform their functions.
• Legal Requirements: We may disclose your information if required by law or in response to valid legal processes, such as subpoenas, court orders, or government requests.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of the transaction.

6. Your Rights

As a user of Wellsville services, you have the following rights regarding your personal data:

• Access: You have the right to request a copy of the personal information we hold about you.
• Correction: You have the right to request corrections to any inaccurate or incomplete personal information.
• Deletion: You may request the deletion of your personal information, subject to certain legal and contractual obligations.
• Opt-out: You can opt out of marketing communications at any time by following the unsubscribe instructions in the emails or contacting us directly.

7. Cookies

What Are Cookies?

Cookies are small files placed on your device by websites and apps to store and retrieve information about your usage. They are used to improve your browsing experience, track user behavior, and remember preferences or login details.

Types of Cookies We Use:

• Essential Cookies: These are necessary for the operation of our website and enable basic functionality, such as accessing secure areas and making transactions.
• Performance Cookies: These cookies help us understand how users interact with our website and improve its performance. For example, they help us analyze which pages are visited most often and identify any technical issues.
• Functionality Cookies: These cookies remember your preferences and settings (such as language or location) to provide a more personalized experience.
• Advertising Cookies: These cookies are used to track your browsing habits and serve personalized advertisements based on your interests. We may partner with third-party advertisers to display relevant ads.

Managing Cookies

You can control and manage cookies through your browser settings. Most browsers allow you to block or delete cookies. However, please note that disabling certain cookies may affect the functionality and performance of our website and services.

For more information on how to manage cookies, you can visit the help section of your browser.

8. International Data Transfers

As a global bank, we may transfer your personal information outside the United States to countries that may not have the same level of data protection laws. When transferring data, we ensure that appropriate safeguards are in place to protect your privacy.

9. Changes to This Privacy Policy

We may update or modify this Privacy Policy to reflect changes in our practices or legal requirements. Any updates will be posted on this page with an updated effective date. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, or if you would like to exercise any of your rights, please contact us