Online, Mobile, and Digital Privacy

MMFCU is a not-for-profit, member-owned financial cooperative. We exist to enrich the lives of our members and provide members with peace of mind. As you should expect, the privacy of your personal financial information is extremely important to us. We take significant steps to protect your privacy so we can maintain your trust.

The information in MMFCU’s Privacy Policy explains our policies for using and protecting the personal financial information you entrust to us during the application for or servicing of one of our products or services.

Online Privacy Statement

This Online Privacy Statement (“Statement”) applies to MMFCU’s webpages, MMFCU-branded social media sites, mobile applications, digital banking applications, and digital advertising campaigns, collectively referred to as a “digital property.” This Statement does not address the privacy practices of any third parties that we do not own or control. By visiting and/or using our digital property, you are agreeing to the terms of this Statement.

MMFCU is a United States-based financial cooperative serving a U.S.-based target market. Our web and digital properties do not intentionally target children under the age 13 without parental consent. In addition to the privacy practices described within this Statement and MMFCU’s Privacy Policy, social media sites may have their own privacy policies that you should understand prior to using their services to interact with MMFCU on those sites.

Information Collection

When using a MMFCU digital property we may collect three categories of information about you.

Personal Information: We may collect personally identifiable information about you such as your name, address, phone numbers, email address, or other information that identifies you. This includes information you provide via applications, forms, or other means of collection. We may ask your permission before collecting additional information from you (such as information about your contacts).

Non-public Information: Through your interactions with us, such as applying for a product or service, we may collect non-public information about you such as your Social Security number, tax identification number, driver’s license number, financial account information, MMFCU username and password, and other types of non-public information.

Online Behavior: We may collect information about the Internet Protocol (IP) address of the device(s) you use to access MMFCU’s digital properties; other information about your device, operating system, and browser type; referral website information; your digital property usage and page views; and aggregate or non-personally identifiable information. We may ask your permission before collecting certain information (such as precise geo-location information).

These categories of information may be collected by MMFCU, or by our third-party service providers, through use of cookies and other technologies, to associate your online use of our digital properties and/or with offline personally identifiable information.

We may use information collected from a MMFCU digital property to acquire additional information about you from our marketing partners or service providers. For example, when you apply for membership or for a financial product or service, we may use the Social Security number you provided online to access a consumer report which may contain a credit score and information about your creditworthiness to determine if you meet our underwriting guidelines.

When interacting with MMFCU on a digital platform that is not owned by MMFCU such as a social media site, never include sensitive personal or non-public information. Communications with MMFCU about your application, membership, and accounts with us should only take place in a secure MMFCU channel such as MMFCU’s Digital Banking website or mobile application, or by phone with a MMFCU employee. Social media sites are not an appropriate place to conduct or discuss your financial transactions.

Information Usage

We may use the information we collect online, along with information which we pair it with offline, to:

· process transactions initiated by you

· perform everyday business tasks such as data analytics, digital property experience optimization, fraud prevention, security enhancements, or product and service improvements

· service, manage, or collect on your account

· verify your identity or information you provided on an application

· make a decision about your application for a product or service

· respond to your questions or inquiries

· comply with federal, state, or local laws; civil, criminal, or regulatory investigations; or other legal requirements

· market our products and services or those of our trusted partners

· offer special deals or promotions

· share with our affiliates or trusted third parties in accordance with the practices described in our Privacy Policy

· aggregate or anonymize data for analytical purposes

Information Disclosure

MMFCU does not share the information described above except as described in this Statement and as otherwise set forth in our Privacy Policy, including to third-party service providers to assist with providing our products and services. We may also share your information as permitted or required by law.

Information Security

MMFCU restricts access to non-public personal information about its members to MMFCU employees and approved third parties working on our behalf who have a specific business purpose in utilizing member data.

Card Management Additional Terms

The card management feature is offered by MassMutual Federal Credit Union (referred to herein as “Card Controls”, “us”, “we” or “our”) for use by MMFCU cardholders. MMFCU’s card management feature is intended to allow You to initiate certain payment card related activities for your enrolled MMFCU card(s) via the card management feature. Those activities may include the ability to but not limited to:

Card Management Additional Terms

The card management feature is offered by MMFCU (referred to herein as “[XXX]”, “us”, “we” or “our”) for use by MMFCU cardholders. MMFCU’s card management feature is intended to allow You to initiate certain payment card related activities for Your enrolled MMFCU card(s) via the card management feature. Those activities may include the ability to but not limited to:

· Register the card

· Activate and deactivate the card

· Set control preferences for card usage including location, transaction, and merchant types, spend limits, and card on/off (“Controls”)

· Set alert preferences for card usage including location, transaction, and merchant types, spend limits, and declined purchases (“Alerts”)

· View transaction history including cleansed and enriched merchant information (e.g., merchant name, address, and contact information)

· Report Your card as lost or stolen

· Review Your spending by merchant type and/or by month

· View a list of merchants storing Your card information for recurring or card-on-file payments

The card management feature may enable access to MMFCU and third parties’ services and web sites, including GPS locator websites, such as Google. Use of such services may require internet access and that You accept additional terms and conditions applicable thereto, including, with respect to Google maps, those terms and conditions of use found at http://maps.google.com/help/terms_maps. Html and the Google Legal Notices found at https://www.google.com/help/legalnotices_maps/, or such other URLs as may be updated by Google. To the extent the card management feature allows You to access third party services, MMFCU and those third parties, as applicable, reserve the right to change, suspend, remove, limit, or disable access to any of those services at any time without notice and without liability to You.

You agree to allow us to communicate with you via push notification, SMS and/or email, with respect to the activities performed via the card management feature. Data fees may be imposed by Your mobile provider for the transmission and receipt of messages and Alerts.

MMFCU reserves the right to send administrative and service notifications via emails and/or SMS messages to the email address and/or phone number provided upon enrollment in MMFCU’s card management feature.

Availability/Interruption. You acknowledge that the actual time between occurrence of an event (“Event”) triggering a selected Control or Alert and the time the notification of such event is sent to Your mobile device (“Notification”) is dependent on several factors including, without limitation, your wireless service and coverage within the area in which You are located at that time. You acknowledge that Notifications of Events may be delayed, experience delivery failures, or face other transmission problems. Similarly, selection of Controls and Alerts (collectively, “Commands”) are likewise affected by the same or similar factors and problems could arise with use of Commands. Notifications of Events may not be available to be sent to Your mobile device in all areas.

If You registered to receive Notifications to Your mobile device, the card management feature is available when You have Your mobile device within the operating range of a wireless carrier with an appropriate signal for data services. The card management feature is subject to transmission limitations and service interruptions. MMFCU does not guarantee that the card management feature (or any portion thereof) will be always available or in all areas.

You acknowledge and agree that certain functionality with the card management feature may not be available for all transactions. Commands based upon the location of the mobile device where the card management feature is installed or the location of the merchant where the card is being attempted for use may not apply appropriately to card-not-present transactions or transactions where the location of the actual location of the merchant differs from the merchant’s registered address.

You acknowledge and agree that neither MMFCU nor its third-party services providers (including the developer of the technology enabling the Notifications) are responsible for performance degradation, interruption or delays due to conditions outside of its control. You acknowledge that neither MMFCU nor its third-party service providers shall be liable to You if You are unable to receive Notifications on Your mobile device in Your intended area. MMFCU, for itself and its third-party service providers, disclaims all liability for: any delays, mis-delivery, loss, or failure in the delivery of any Notification; any form of active or passive filtering.

You agree to allow us to communicate with You via push notification, SMS and/or email, with respect to the activities performed via the card management feature. Data fees may be imposed by Your mobile provider for the transmission and receipt of messages and Alerts.

Availability/Interruption. You acknowledge that the actual time between occurrence of an event (“Event”) triggering a selected Control or Alert and the time the notification of such event is sent to Your mobile device (“Notification”) is dependent on a number of factors including, without limitation, your wireless service and coverage within the area in which You are located at that time. You acknowledge that Notifications of Events may be delayed, experience delivery failures, or face other transmission problems. Similarly, selection of Controls and Alerts (collectively, “Commands”) are likewise affected by the same or similar factors and problems could arise with use of Commands. Notifications of Events may not be available to be sent to Your mobile device in all areas.

Updates

MMFCU may change this Statement from time to time. When we do, we will let you know by appropriate means, such as by posting the revised Statement on this page with a new “Last Updated” date. Any changes to this Statement will become effective when posted unless indicated otherwise.

Last Updated: July 18, 2023