R.I.A. Federal Credit Union
Online and Mobile Privacy Policy

Effective: 6/4/2025

At R.I.A. Federal Credit Union (referred to as "R.I.A.," "we," "us," or "our"), safeguarding your privacy and protecting your personal information is one of our highest priorities. This Online and Mobile Privacy Policy describes how we collect, use, protect, and share information when you interact with us through our websites, mobile applications, or other online services (collectively, "Sites"). By using our Sites, you consent to the practices described in this Policy.

If you do not accept the terms of this Policy, please do not provide us with personal information or access, use, or interact with any of our Sites.

1. Scope

This policy applies to all digital interactions with R.I.A., including:

• Our websites and mobile applications
• Digital banking platforms
• Email communications and online chats
• Social media accounts we manage
• Online advertisements and retargeting tools

We also recommend reviewing our Consumer Privacy Notice.

2. Information We Collect

We collect information in three broad categories:

A. Personal Information:

• Name, mailing address, phone numbers, and email address
• Social Security number or tax identification number
• Date of birth, driver’s license or government-issued ID
• Account numbers, R.I.A. login credentials
• Employment and income information

B. Non-Public Information:

• Credit reports or credit scores
• Application data
• Authentication credentials (e.g., PINs, security questions)

C. Online Behavior & Device Information:

• IP address, browser type, device model, operating system
• Geographic location (for fraud prevention, ATM locators, etc.)
• Referral URLs and session time stamps
• Activity data such as pages visited, clicks, swipes, search queries
• Social media interactions (e.g., likes, shares)
• Transcripts of online chat sessions, subject to your consent

3. How We Collect Information

We collect information when you:

• Use or navigate our websites or mobile apps
• Apply for products or services
• Contact us via forms, chat, or customer service
• Participate in surveys, contests, or promotions
• Interact with our advertisements on third-party sites

4. Use of Information

We use the collected information to:

• Provide and manage financial products and services
• Verify your identity and authenticate access
• Prevent fraud and enhance account security
• Process transactions and applications
• Improve website and app performance
• Customize your user experience
• Conduct research and analytics
• Comply with legal and regulatory requirements
• Communicate with you regarding products, services, and offers

We may combine online and offline data to improve service and prevent fraud.

5. Sharing of Information

We do not sell your personal information. However, we may share your personal and non-personal information in the following ways:

• Service Providers: We may share your information with trusted third-party vendors that assist with providing services on our behalf, such as data processing, hosting, marketing, and customer support. These vendors are required to comply with strict privacy standards.
• Affiliates: We may share your information with our affiliates for purposes including marketing, analytics, and service offerings, such as in response to subpoenas, court orders, or to prevent fraud.
• Business Transactions: If we are involved in a merger, acquisition, or sale of assets, we may transfer your personal information in connection with that transaction.
• Third-Party Links: Our Site may contain links to third-party websites, apps, or services. We do not control and are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

6. Tracking Technologies We Use

We use tools to collect usage data for functionality, analytics, and advertising purposes:

• Cookies: Improve navigation, manage sessions, remember preferences
• Web beacons and pixel tags: Measure campaign effectiveness and engagement
• Server logs: Track technical performance, detect anomalies
• SDKs: Track mobile app interactions
• Cross-device tracking: Seamless experience across phones, tablets, laptops

You can control cookie preferences in your browser. Some features may not work if cookies are disabled.

7. Retargeting & Online Advertising

We may use advertising networks (e.g., Google, Facebook) to deliver relevant ads based on your interactions with our Sites and Mobile Apps.

To manage preferences or opt out of targeted advertising:

• Visit networkadvertising.org
• Check your browser or mobile settings for ad personalization controls

8. Social Media & Third-Party Links

Our Sites may link to third-party platforms (e.g., Facebook, LinkedIn, external merchants). These platforms have separate privacy practices, which you should review.

Please do not share sensitive personal information (e.g., account numbers, SSN) via public or unencrypted channels, including social media.

9. Children's Online Privacy Protection

We do not knowingly collect personal information from children under the age of 13 without parental consent, in compliance with the Children’s Online Privacy Protection Act (COPPA).

If we offer contests or youth-focused content online, identifiable information will not be collected without proper safeguards.

10. Protecting Your Information

We use administrative, technical, and physical security controls to safeguard your information, including:

• Transport Layer Security (TLS) and Secure Sockets Layer (SSL) encryption
• Firewalls and intrusion detection systems
• Employee training and role-based access controls
• Third-party vendor oversight and risk assessment

However, while we strive to protect your data, please be aware that the transmission of information over the internet is never completely secure. We cannot guarantee the absolute security of your information, and we are not liable for any breaches that may occur as a result of factors beyond our control.