Privacy Policy and Statement


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MAX Privacy Policy

MAX Credit Union (“MAX”) and its affiliates are committed to providing a full range of financial services to meet our customers’ needs. MAX is equally committed to protecting customers' privacy, and you can be confident that financial privacy is a priority of MAX. MAX has developed this Privacy Policy (“Policy”) to explain how MAX collects, uses and safeguards its customers' personal financial information.
 

 

Customer Information Collected

MAX collects nonpublic, personal customer information from the following sources:
 
Membership and loan applications and other customer initiated applications and forms;
Online technologies such as cookies and pixel tags;
Customer account transactions with MAX or other financial institutions;
Consumer and credit reporting agencies; and
Consumer information provided in connection with collecting on a loan or servicing a loan.

Information we collect: 

When you visit or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, a zip code to help you find a nearby ATM), user name and password. We may also collect payment card information, social security numbers, driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.

For your convenience, MAX offers you the ability to access some of our products and services through mobile applications and mobile-optimized websites. When you interact with us, we may collect information such as unique device identifiers for your mobile device, your screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device. We may ask your permission before collecting certain information.

We may request the following permissions while using our website/mobile app: 

Permissions Function  Purpose
CAMERA Allows access to the device’s camera  Mobile Remote Deposit 
LOCATION Allows access to location  Maps for branch and ATM locations
ACCESS TO EXTERNAL STORAGE  Allows access to files/media on the device  Secure Message Attachments 
PHONE STATE*  Allows access to information about the user’s device for device identification  Malware / Anti-Phishing for Easy Solutions integration 

Use of Information: 

We use the information discussed above in a variety ways such as:  
  • Processing  applications and transactions;  
  • Verifying your identity when you access account information  
  • Preventing fraud and enhancing the security of your account or our online services; 
  • Responding to your requests and communicating  with you; 
  • Managing preferences; 
  • Performing analytics concerning your use of our online services, including the pages and advertisements you view; 
  • Providing marketing messages;
  • Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions); 
  • Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations, and our policies; and 
  • For any other purposes that we may specifically disclose at the time you provide or we collect your information.

Sharing of Information: 

We may share the information we collect from and about you with our affiliates and other third parties. For example, we may share your information with third-party service providers; affiliated websites and businesses in an effort to bring you improved service across our family of products and services, when permissible under relevant laws and regulations; Other companies to bring you co-branded services, products or programs; and Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties. Where appropriate, we will limit sharing of your information in accordance with the choices you have provided us in response to our U.S. Consumer Privacy Notice. We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes.

Customer Information Disclosed

MAX may disclose all of the information collected, as described above, to companies that perform marketing services on behalf of MAX or to other companies with whom MAX has joint marketing agreements. At no time does MAX sell or share information with companies not included in providing services directly or assisting us in providing services to our customers. To protect our customers' privacy, MAX only conducts business with organizations that agree to maintain strong confidentiality protections and limits the use of information MAX provides. MAX may also disclose nonpublic, personal information about its customers under other circumstances as permitted or required by law. These disclosures typically include the following circumstances:

Information to maintain or service a customer's account;

  • To conduct the operations of MAX;
  • To follow customer instructions as authorized; or
  • To protect the security of MAX financial records.
  • If a customer decides to terminate his/her membership or become an inactive member, MAX will continue to share information in accordance with our Privacy Statement.

How MAX Protects Its Customers' Information

MAX restricts access to nonpublic, personal information about its customers to MAX employees who have a specific business purpose in utilizing customer data. MAX employees are trained in the importance of confidentiality and customer privacy by maintaining physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard customers' nonpublic, personal information.

Privacy Notice

In accordance with the Privacy of Consumer Financial Information (Regulation P), MAX provides an initial notice to members at the time the member relationship is established that describes our security policies and our privacy policies and practices.

Opt-Out

MAX provides our customers the opportunity to opt-out of receiving communications from us and our partners.


MAX PRIVACY STATEMENT

Alongside our Privacy Policy, MAX has created this privacy statement in order to demonstrate our firm commitment to your privacy and protection of your personal information. The following discloses our information gathering and dissemination practices for this website: myMAX.com.
MAX has created this privacy statement in order to demonstrate our firm commitment to your privacy and protection of your personal information. The following discloses our information gathering and dissemination practices for this website: myMAX.com.


We use your IP address to:

Help diagnose problems with our server, and to administer our website.
Help identify you and to gather broad demographic information.

Our site uses cookies:

To keep track of you and to save your user info and password so you don't have to re-enter it on every page.
To collect information to provide better content, based on each page you view.

Our forms require users to:

Give us contact information (like your name and e-mail address).
Unique identifiers (like your Social Security number).
Financial information (like your account or credit card numbers).
Provide demographic information (such as your zip code).

We use member information from the forms to:

Return information to you about MAX.
Contact you, our visitor when necessary.
Verify your qualification for any MAX account specifically applied for.
Verify your identity against your account numbers in our record system, and for other purposes.
This site contains links to other sites. MAX is not responsible for the privacy practices or the content of such websites.

Uses of Third Party Websites on the MAX website

MAX has embedded information and applications from third party websites on the www.myMAX.com website. Please be aware that these third party websites, have different privacy policies from MAX and the MAX privacy policy does not apply on those sites. If you visit another website, we encourage you to read its privacy policy. Most social media website use single session cookies, persistent cookies, audience segment cookies and pixel tags.


Information on these third party applications and how MAX is using them is outlined below:

YouTube - MAX has embedded videos from YouTube on the www.myMAX.com website, meaning you can view videos MAX has uploaded on YouTube from the official www.myMAX.com webpage. All social media sites and applications, including YouTube, referenced on the MAX website are controlled and administered by a third party; these sites are not MAX websites or applications. Please be aware that social media websites, including YouTube, have different privacy policies from MAX and the MAX privacy policy does not apply on those sites. We encourage you to read the YouTube privacy policy for more information on YouTube’s use of cookies. www.youtube.com

Facebook - MAX has embedded a portion of its Facebook feed on the www.myMAX.com with a “Like MAX” Facebook button. If you choose to click either of links, you will be leaving the www.myMAX.com website to go to the Facebook website. Except for information posted by MAX, MAX does not endorse the views expressed or the facts presented on Facebook and does not endorse any commercial products that may be advertised on this site. All social media sites and applications, including Facebook, referenced on the MAX website are controlled and administered by a third party; these sites are not MAX websites or applications. www.facebook.com

Twitter - MAX has embedded a portion of its Twitter feed on the www.myMAX.com website with a “Follow MAX” button and has provided a Twitter button in the www.myMAX.com website header. If you choose to click either of these buttons, you will be leaving the www.myMAX.com website to go to the Twitter website. Except for information posted by MAX, MAX does not endorse the views expressed or the facts presented on Twitter and does not endorse any commercial products that may be advertised on this site. All social media sites and applications, including Twitter, referenced on the MAX website are controlled and administered by a third party; these sites are not MAX websites or applications. Please be aware that social media websites, including Twitter, have different privacy policies from MAX and the MAX privacy policy does not apply on those sites. We encourage you to read the Twitter's privacy policy for more information on Twitter’s use of cookies. www.twitter.com

The following information is shared with our trusted third party vendors.

Demographic
User Profile Statistics (Web Browser type, Operating System, etc.)

We securely store the following form data:

Visitor's contact information (like an e-mail address)
Unique identifiers (like a Social Security number)
Financial information (like account or credit card numbers)
Demographic information (like zip code)

Security

This site has security measures in place to help protect the loss, misuse and alteration of the information under our control.

Supplement Information

This site supplements the information that you provide with information that is received from third parties.

Choice/Opt-Out

Our site provides users the opportunity to opt-out of receiving communications from us and our partners at any point where we request information about the visitor.

This site gives users the following options for removing their information from our database to not receive future communications or to no longer receive our service.

Correct/Update

This site gives users the following options for changing and modifying information previously provided.

Children's Guidelines

We do NOT collect online contact information without prior parental consent or parental notification, which will include an opportunity for the parent to prevent use of the information and participation in the activity. Without prior parental consent, online information will only be used to respond directly to the child's request and will not be used for other purposes without prior parental consent.
We do NOT collect personally identifiable offline contact information without prior parental consent.
We do NOT distribute to third parties any personally identifiable information without prior parental consent.
We do NOT give the ability to publicly post or otherwise distribute personally identifiable contact information without prior parental consent.
We do NOT entice by the prospect of a special game, prize or other activity, to divulge more information than is needed to participate in the activity.

Contact the myMAX.com administrator:

If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, you may contact:

MAX
Marketing: Attn. Privacy Statement
Post Office Box 244040
Montgomery, Alabama
36124-4040

Notice for making claims of infringement.

Written notification must be submitted to the following Designated Agent
Name of Agent Designated to Receive Notification of Claimed Infringement:
Eric S. Wachspress
Full Address of Designated Agent to Which Notification Should be Sent:
Eric Wachspress
Attorney-at-Law
417 S. Jefferson St., #304B
Chicago, Illinois 60607 USA
Telephone: 773.934.5855
Facsimile: 312.583.1083

MAX Credit Union is a full-service financial institution serving Central and East Alabama, including Montgomery, AL; Auburn, AL; Opelika, AL; Prattville, AL; Wetumpka, AL; and Troy, AL.