Policies & Legal

Online and Mobile Privacy Policy

University Federal Credit Union (referenced herein as “UFCU,” “we,” “us” or “our”) strives to serve your needs and is committed to protecting your identity and any information we collect about you.

This Online and Mobile Privacy Policy explains how we collect, use, protect, and disclose information and data when you visit any online, mobile site, or application that we own including, but not limited to, our website, ufcu.org, and our mobile apps (“Sites”). Our separate Privacy Policy, along with this Online and Mobile Privacy Policy, describes the privacy and data security practices we follow.


  1. Information We Collect
    We may collect personal information when you enter data into an application for new products or services, when you use our products and services, from locations initiated from our Sites or when you otherwise interact with us on our Sites. Personal information may include your name, home or other physical address, social security number, telephone number, and email address. We do not collect personal information from you when you simply browse our Sites. However, our Sites may collect non-personal information such as your IP address and device identifier. We take your online privacy seriously and make the safeguarding of your personal information a priority. We collect personal information only as allowed by law. Use of the internet makes it possible for other parties to collect data about your online activities over time and across different websites, including when you use our Sites. Please learn more about Mobile and Online Security.

  2. With Whom Do We Share the Collected Information?
    We may share your personal information with affiliates in accordance with the practices set forth in our Privacy Policy. We do not sell your personal information. We may use or share your non-personal information to enhance your experience on our Sites, to help deliver our advertisements on your web browser, and to measure advertising campaign effectiveness. We may also share your personal information and non-personal information as required to meet legal and regulatory obligations.

  3. What We Do With the Information We Collect
    We use this information to understand your needs and provide you with better service. We may use it in the following ways:

    • Internal record keeping
    • To improve our products and services
    • To periodically send promotional communications
    • To occasionally contact you for market research purposes
    • To customize the website according to your interests
    • For the reasons set forth in our Privacy Policy.

  4. What Are Cookies?
    Cookies are pieces of data assigned by a web server to the browser on your computer or device to help improve your online experiences. Cookies help websites to keep track of your preferences and to recognize your return visits. When you return to a website you’ve visited before, your browser gives this data back to the server.

    Cookies do not contain viruses. We do not embed your Social Security number, account number(s) or password(s) in our cookies.

    Why We Use Cookies
    We use cookies to make your online experience with our sites and services richer and more personalized based on the products and services you use. Also, without revealing your identity, cookies help us keep your transactions with us secure when you do your banking online.

    We also use cookies for various purposes such as maintaining continuity during an online session, gathering data about the use of our site or monitoring our online promotions. This information helps us inform you about additional products, services or promotions that may be of interest to you.

    Please note: When using our mobile and online banking services, we recommend that you complete your online transactions and sign off before visiting other sites or turning off your computer or device. We also suggest that you do not visit other sites during your online banking session.

    How We Use Cookies
    When you use our digital services, we may receive technical information such as your browser type, IP address, type of operating system you use, your geolocation, the name of your internet service provider and pages visited on our sites. UFCU gets this information by using technologies — such as, cookies and mobile device geolocation — to provide you with servicing data, like our branch location information, or to research and improve our online experiences.

    Cookies Preferences on Our Services
    If you prefer, you can change your cookie settings. Some browsers have options that allow the visitor to control whether the browser will accept cookies, reject cookies, or notify the visitor each time a cookie is sent. You may elect to reject cookies by adjusting your settings, but doing so will limit the range of features available to you with our digital products and services and other major websites that use cookies, including not being able to access your accounts online through a browser. Remember, UFCU has a mobile app that provides on-the-go access, should you prefer it over a browser experience.

    How to manage browser settings for cookies

    Types of Cookies Used on Our Services

    1. Essential cookies – These cookies enable you to use our digital services and are essential to enable you to browse our sites and use certain features. Disabling them may prevent you from using certain parts of our services, such as online banking and application services. These cookies also help keep our sites and services safe and secure.
    2. Performance cookies – These cookies collect information about how you use our services, such as which pages you visit regularly. These cookies are used to provide you with a high-quality experience by doing things such as tracking page load, site response times and error messages.
    3. Content / Functional cookies – These cookies gather information about your use of our services, so we may improve your experience and provide you with more relevant content. They're also used to gather feedback on member satisfaction through surveys. They remember that you've visited our services and help us understand how they are being used. Some of these cookies are from third parties that collect information in order to provide services, such as our Live Chat feature.

  5. Managing Your Information Preferences
    If your email address or cell phone number is on record with us, we may periodically send you educational or informational communication about products, services, or events that we believe may interest you. Instructions for how you can stop or unsubscribe from receiving these messages are included in each communication that we send. However, we will still communicate with you in connection with servicing your account, fulfilling your request, or about any promotion, service, or program in which you have elected to participate. Remember, it is your responsibility to update us when information, such as your home address, email address, and/or your cell phone number changes.

  6. What Happens When You Send Information To Us Or Transact With Us Online
    Whenever you submit information to us using methods we make available to you on our website, we protect your information using administrative and technical processes along with strong industry standard encryption recommended for financial institutions. There is a serious risk that your information could be intercepted if you send information using a method outside of our website, such as sending an email from your home email server or posting a message to us through a social media website. To send us a secure message, you should only use our encrypted email service when instructed by us, or the method provided after logging on to our Online or Mobile Banking services. Alternatively, you can call us during business hours at (512) 467-8080.

  7. Third Party Sites Including When Other Websites Display Our Advertisements
    We are not responsible for the content, practices, or policies of any other party or any non-UFCU website you visit, including any social media sites in which we display information, or any website whose link appears within our website, and regardless of any affiliation we may share with any other entity. Before providing any personal or identifiable information, you should first review the policies of any website you are visiting. The fact that there is a link between our website and that of another website does not represent an endorsement by us of the content and any product, service, or program contained on any other website. Advertising we place on other websites may contain a "tag," which is a code that tells us that our advertisement was reviewed at the sponsoring website. Tags do not contain personal or identifiable information and are only a marketing tool for measuring the effectiveness of placing our advertising on other websites.

  8. Service Providers
    From time to time, we may establish a business relationship with other businesses whom we believe trustworthy and who have confirmed that their privacy practices are consistent with ours ("Service Providers"). For example, we may contract with Service Providers to provide certain services, such as hosting and maintenance, certain features of the services, such as data storage, management, marketing, and promotions. We only provide our Service Providers with the information necessary for them to perform these services on our behalf. Each Service Provider must agree to use reasonable security procedures and practices, appropriate to the nature of the information involved, in order to protect your personal information from unauthorized access, use, or disclosure. Service Providers are prohibited from using personal information other than as specified by UFCU. When permitted or required by law, we may share your personal information with additional third parties for other purposes, such as responding to legal process.

  9. Data Processing In Other Locations
    Please be aware that your personal information and communications may be transferred to and maintained on servers or databases located outside your state, province, or country. If you are located outside of the United States, please be advised that we process and store information in the United States. The laws in the United States may not be as protective of your privacy as those in your location. By using our Site, you are agreeing to the collection, use, transfer, and disclosure of your personal information and communications will be governed by the applicable laws in the United States.

  10. Children’s Online Privacy
    UFCU does not knowingly collect, maintain, or use personal information from our website about children under the age of 13. We request that these individuals do not provide personal information through the site without parental consent. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website at www.ftc.gov.

  11. Keeping Your Information Accurate
    It is important that we have accurate and up-to-date information about you. If you notice that your information is incomplete, inaccurate, or out of date, please contact us at (512) 467-8080 or visit a branch. You can also review and request changes to certain personal information such as your email address, mailing address, and telephone number on our Sites.

  12. Changes
    We reserve the right to update and change this Online and Mobile Privacy Policy from time to time. If we update this Online and Mobile Privacy Policy, the changes will be effective when we post the update to this webpage. The date of the most recent update will always be shown below. You agree that it is your responsibility to check this Online and Mobile Privacy Policy on this webpage periodically for any changes.

Prioritize Your Security

Visit our security center to learn about fraud, privacy, and security.