Security Policy

Internet Privacy Disclosure

This Online Privacy Policy (Policy) applies to this Azura Credit Union online interface (i.e., website or mobile application) and any Azura Credit Union affiliate or subsidiary online interface that links to this Policy, (each, a Site, and, collectively, Sites). The term “Azura Credit Union” or “we” or “us” or “our” in this Policy refers to affiliates or subsidiaries of Azura Credit Union that link to this Policy. This Policy describes how Sites may collect, use and share information from or about you, and explains how information may be collected and used for advertising purposes.

For account holders and visitors to this Site, we will use and share any information that we collect from or about you in accordance with the Azura Credit Union Privacy Notice, which provides choices in the use and sharing of information. By using the Site, you agree to the terms and conditions of this Policy.

Please read this Notice carefully. This Notice may change from time to time (refer to Modifications to This Notice).

Information We Collect

Definition of Personal Information

“Personal Information” is information that, either alone or in combination with other information, identifies you. Examples of Personal Information include, among others, name, email address, phone number, and mailing address. Personal Information includes certain information we collect when you apply for, or obtain, a financial product or service from us, which can include your Social Security number, account number, income, account balances, payment history, credit history, and credit scores. When we combine Personal Information with other information, we treat the combined information as Personal Information.

Information You Provide

We collect Personal Information you provide via forms, surveys, applications or other online fields including your name, postal or email addresses, telephone, mobile numbers, or account numbers. The exact information we collect will depend on the purpose of the form. We will indicate on the form whether a particular field of information is mandatory or optional. If you choose not to provide certain information, we may not be able to provide requested services.

Information We Automatically Collect from You

We use technologies that automatically collect information (including Personal Information) about visitors or users of our Sites. For example, the following information may be collected:

Device Identifies. An ID number transmitted by your mobile device that helps us track unique visitors of our Sites. You may adjust the settings of your mobile device to stop transmitting device identifiers.
Web Beacons. Web beacons (also known as clear gifs, pixel tags, and single-pixel gifs) are small images on a website or email that may be used to measure the effectiveness of our communication with you and tracking the success of our marketing campaigns.
Web Server Logs. Web server logs are records of activity created by the device that delivers the 2 web pages you request to your internet browser. For example, a web server log may record the search term you entered or the link you clicked on to bring you to the web page. The web server log also may record information about your device, such as your IP address, operating system, and internet browser.
Relationship-Based Advertising. We collect information about our relationship with you (such as types of accounts) and may use that information to help determine which advertisements or offers to present to you.
Analytics. We use Google Analytics and other analytics services to collect information about use of our Sites. Through analytics services, we collect information such as how often users visit this Site, what pages they visit when they do so, and what other sites they used prior to coming to this Site. We use this information only to make improvements to the Sites. We do not combine the information collected using Google Analytics with other Personal Information. Google’s ability to use and share information collected by Google Analytics about your visits to this Site is restricted by the Google Analytics Terms of Use and Google Privacy Policy. Please refer to those policies for more information.
Geolocation Data. We do not track your location unless you specifically initiate this request by using our tools to find the nearest branch or ATM location. You may also limit and customize your location tracking settings for each mobile application on your smartphone.
Do Not Track. We do not track our members over time and across third party websites or online services to provide advertising and therefore do not respond to Do Not Track (DNT) signals. However, some third-party websites and mobile applications do keep track of your browsing activities. If you are visiting such sites, you may wish to set a DNT signal on your browser so that third parties know you do not want to be tracked.

How We Use Personal Information

We may use the personal information we collect:

To respond to your inquiries and fulfill your requests
To inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information
To deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you
To personalize your experience on the Site
To allow you to apply for products or services (e.g., to prequalify for a mortgage, apply for a credit card) and evaluate your eligibility for such products or services
To verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information
For business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns
For risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements
To allow you to utilize features within our Sites by granting us access to information from your device such as contact lists, or geo-location when you request certain services

In addition, we may use information for other purposes not listed here with your consent.

How We Share Personal Information

We generally do not share Personal Information, except:

When it is necessary for our or our affiliates’ everyday business purposes, such as maintaining your account, reporting to credit bureaus, or processing a transaction, whether that is to pay an item or to send a notice of dishonor or nonpayment
To service providers who assist us in operating the Sites and our business, to the extent access to Personal Information is necessary for the performance of their services on our behalf
To exchange, in the normal course of business, credit information with third party financial institutions or other business entities or to the extent a third party is required to verify the existence or condition of your account in accordance with applicable law
To provide information to our regulators or law enforcement when we believe, in good faith, that we have been a victim of a crime or we have observed suspicious activity
To comply with a government agency inquiry, subpoena or court order or a valid attachment, garnishment, or other legal action
In accordance with your consent
To guarantee a check by a third party
At account opening, account renewal, or account review
When we are attempting to collect a debt owed to us
If we sell or otherwise transfer part or the whole of our business or assets to another organization (e.g., in the course of a transaction like a merger, acquisition, bankruptcy, dissolution, or liquidation), any information collected through the Sites, including Personal Information, may be among the items sold or transferred
As otherwise permitted by applicable law and appropriate to the circumstance

In addition, we may from time to time receive credit reports and other information about you, from third parties, in connection with your accounts. Upon request, we will give you the name and address of each third party from which we obtain such a report or information.

How We Protect Personal Information

Azura Credit Union takes appropriate steps to protect your information as you transmit your information from your computer to our site and to protect this information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. We take reasonable security measures to ensure sensitive data entered on the Sites is encrypted and transmitted in a secure way.

While we use encryption to protect Personal Information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific role are granted access to Personal Information. The computers and servers on which we store Personal Information are kept in a safe and secure environment.

To protect our members’ privacy, we only conduct business with organizations that agree to maintain strong confidentiality protections and limit the use of information we may provide.

Despite these efforts to store Personal Information in a secure operating environment that is not available to the public, we cannot guarantee the security of Personal Information during its transmission or its storage on our systems. Further, while we attempt to ensure the integrity and security of Personal Information, we cannot guarantee that our security measures will prevent third parties such as hackers from illegally obtaining access to Personal Information. We do not represent or warrant that Personal Information about you will be protected against, loss, misuse, or alteration by third parties or others.

Third-Party Websites

We may link to other third-party websites or integrate with third-party services and technologies (e.g., financial planning and aggregation tools; social media widgets) not covered by this Notice. Please keep in mind the following statements when accessing third party vendors:

The member is leaving the credit union’s website
The member is linking to an alternate website not operated by the credit union
The credit union is not responsible for the content of the alternate website
The credit union does not represent either the third party or the member if the two enter into a transaction
Privacy and security policies may differ from those practiced by the credit union

Children’s Online Privacy

The Children’s Online Privacy Protection Act (COPPA) was passed by Congress in October 1998, with a requirement that the Federal Trade Commission (FTC) issue and enforce rules concerning children’s online privacy. The primary goal of the Act and the Rule is to place parents in control over what information is collected from their children online. Azura Credit Union does not knowingly collect, nor is our web site designed or directed to use personal information from children under the age of 13 without containing verifiable consent from their parents.

Internet Cookies

We, along with the service providers that help us provide the Site, use cookies. Cookies are small text files sent by a website server to your device or computer that helps us collect information on how you use the Site. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses or capture your e-mail address. Cookies are commonly used on web sites and do not harm your system.

We may use cookies in places where you may need to register, such as online banking, or where you are able to customize the information you see. These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your email address. By configuring your preferences or options in your Internet browser, you can control if and how a cookie will be accepted.

Although users are not required to accept cookies, blocking or rejecting them may prevent access to some features available through the Services.

Individuals in the European Union (“EU”) and United Kingdom (“UK”)

In this section, we provide additional information relating to how we process Personal Information of individuals in the EU and UK, in accordance with the GDPR. If you need more information or would like to exercise your rights under the GDPR, you may contact us at memberservices@azuracu.com.

Basis for Processing

Our legal basis for collecting and using the Personal Information described in this Privacy Policy will depend on the Personal Information concerned and the context in which we collect it. We collect Personal Information from you:

where we need it to perform a contract with you;
where the processing is in our legitimate interests (including the purposes described, above, in How We Use Personal Information); or
if we otherwise have your consent.

Your Privacy Rights

Depending on applicable law, you may have the right to:

Request access to Personal Information about you.
Request correction of the Personal Information that we hold about you.
Request erasure of Personal Information about you. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
Object to processing of Personal Information about you where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms.
Request restriction of processing of Personal Information about you. You can ask us to suspend the processing of Personal Information in the following scenarios:
(a) if you want us to establish the data’s accuracy;
(b) where our use of the data is unlawful but you do not want us to erase it;
(c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or
(d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
Request the transfer of Personal Information to you or to a third party.
Withdraw consent at any time where we are relying on consent to process Personal Information about you.

If you wish to exercise any of these applicable rights, please contact us at memberservices@azuracu.com.

Depending on where you live, you may have a right to lodge a complaint with a supervisory authority or other regulatory agency if you believe that we have violated any of the rights concerning Personal Information. We encourage you to first reach out to us at memberservices@azuracu.com, so we have an opportunity to address your concerns directly before you do so.

Transfers to the U.S.

If you are using the Sites from outside the United States, please be aware that Personal Information will be transferred to, stored, and processed in the United States. Although we take steps to provide adequate safeguards, the data protection laws of the United States might not be as comprehensive as those in your country.

We endeavor to apply suitable safeguards to protect the privacy and security of Personal Information transferred to us in the United States, and to use it only consistent with your relationship with us and the practices described in this Privacy Policy.

Your Privacy Rights

It is important to us that you are able to access and review the Personal Information we have about you and make corrections to it or delete it, as necessary. You can request that we correct, update, or delete your Personal Information by emailing a request to us at memberservices@azuracu.com. We will promptly process such requests in accordance with applicable law.

Modifications to this Notice

The credit union reserves the right to modify, change or amend this notice at any time. The effective date of this notice is set forth at the bottom of this page and will be updated when changes are made. Your continued use of the Site after the Effective Date constitutes your acceptance of the amended Internet Privacy Disclosure. Any amended Internet Privacy Disclosure will be published on this page and supersedes all previous versions.

Questions?

We respect your privacy and we work hard to protect your personal information. If you have any questions, please contact us at:

Azura Credit Union | 610 SW 10th Avenue | Topeka, Kansas 66612

Email: memberservices@azuracu.com

Toll Free: 800-432-2470

Website Terms of Use

Azura Credit Union (“Azura CU”, “we”, “us”, “our”) requires that all visitors (“you”, “your” or “user”) to our website adhere to the following Terms of Use. These Terms of Use contain important information about the use of our website, please read carefully. By continuing to access, visit, using or attempting to interact with this site, you are acknowledging that you have read, understand, and accept the terms set forth in this Policy.

If you do not agree to be bound by this agreement, do not access or use any part of this site. We reserve the right to make changes to this agreement at our sole discretion. Continued use of any part of this site constitutes your acceptance of such changes.

Privacy

For additional information about how we collect, share, and protect your personal information, please review our Privacy Notice.

Use of Website

This website contains general information about financial related matters and is intended for informational purposes only. Nothing on this website, including any interactive tools or calculators, is intended to provide personal, professional, financial, tax, business, or legal advice. If you decide to take action based on the general content provided on this website, please be aware that you do so at your own risk. No fiduciary relationship is created by your use of this website.

Azura Credit Union operates and controls its offices and this site in the State of Kansas, USA. Information, products, and services may not be appropriate or available in other areas.

Use of Internet cookies

We reserve the right to use small text files called cookies to collect anonymous website traffic data. This information helps improve our web services. We also use cookies to provide visitors with relevant ads and marketing campaigns. Our cookies do not collect or store any personally identifiable information besides your general metropolitan area, which helps us provide a personalized experience.

Unauthorized Use

Any unauthorized use of our website and computer systems, including but not limited to unauthorized entry into our computer systems, introducing or transmitting any virus, worm, Trojan horse or other material that may harm or disrupt our Services or systems is prohibited. The misuse of passwords, or misuse of any information posted to this website is strictly prohibited. We reserve the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to deny access to the website. Any unlawful use may subject you to liability for damages or criminal prosecution.

Updates

We reserve the right to change the contents of this website, including these Terms of Use, at any time without notice. Changes will be effective as of the time the revised content is posted online. We are not required to notify you of changes to these Terms of Use before they become effective.

Chat

We may make interactive online chat “Chat” services available to you. We make no guarantee that the Chat service will be available at a particular time or be free of fault or error. When engaging with us through the Chat service, chats will be monitored and retained. Participating in the Chat service does not constitute consent by you or us to use electronic records and signatures as a substitute for written documents. Any personal information shared with us when using the Chat service shall be subject to applicable privacy-related policies and notices. Use of the Chat service to send any abusive, defamatory, dishonest, or obscene message may result in termination of the Chat service session.

Intellectual Property

Visitors of this website are prohibited from copying, distributing, displaying, publishing, selling, transmitting, licensing creative derivative works or using any of the content on or through the website for commercial or other unlawful purposes. Infringement of any party’s copyright, patent, trademark, trade secret, intellectual property, or other proprietary rights, or right of publicity or privacy is strictly prohibited and is your sole responsibility. You do not acquire any ownership right, title or interest in or to the Trademarks or any other intellectual property of Azura Credit Union by using this website. The duplication of any information contained within this site is prohibited without the express written consent from Azura Credit Union.

Information You Provide Voluntarily

You are responsible for anything you transmit to or through this website. You understand that all information transmitted and received through the Internet is subject to unauthorized interception, diversion, corruption, loss, access, and disclosure. You agree to not transmit anything to or through this website or by email that you consider to be confidential or proprietary. To protect your privacy and the privacy of others, please do not include personally identifiable information such as Social Security numbers, account numbers, phone numbers or email addresses in any comment or post. If you do include personally identifiable information in your comment, your comment or post may be deleted.

Third Party Content

Some links may take you away from Azura Credit Union’s website and to websites that are not controlled by or affiliated with Azura Credit Union. When you click on any of these links, a pop-up message will appear, informing you that you are about to leave Azura Credit Union’s website. These links have been provided for your convenience only and Azura Credit Union does not endorse or guarantee any products or services you may view on the other sites. We have not reviewed any or all of such sites and are not responsible for the content of any linking sites, and any links made directly from the Site to another web page should be accessed at your own risk. Other websites may not follow the same privacy policies and security procedures that Azura Credit Union does, so please review their policies and procedures carefully.

No Warranty

The materials on this website are provided “as is” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, Azura Credit Union disclaims all warranties, express or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security, completeness, accuracy or freedom from computer virus. Other than as required under applicable consumer protection law, under no circumstance will Azura Credit Union be liable for any loss or damage caused by a user’s reliance on information obtained through the website or a linked website, or user's reliance on any product or service obtained from a linked website.

Limitation of Liability

Azura Credit Union will not be liable for any damages if this website is unavailable for any reason, or if your computer or any program you use is infected by a virus or other malicious program. In no event will Azura Credit Union be liable for any direct, indirect, punitive, incidental, special or consequential damages, or any damages for loss of use, lost data or lost profits arising out of or relating to the use of this website or the copying, display or use of information accessed through this site, whether or not Azura Credit Union was advised of or aware of the possibility of such damages. This disclaimer of liability is effective without regard to the form of any action, including but not limited to contract, negligence, tort, strict liability or any other theory. If you are dissatisfied with any portion of the website or any of these terms of use, your sole and exclusive remedy is to discontinue using the website and its related websites.

Indemnity

You agree to indemnify, defend, and hold harmless Azura Credit Union and its respective subsidiaries or other affiliates, successors, assigns, officers, elected officials, volunteers, agents, employees, members, representatives, and their heirs (collectively “the Indemnitees” or individually “an Indemnitee”) from and against any and all claims, demands, damages, or costs or expenses (including reasonable attorneys’ fees) that arise directly or indirectly from your breach of these Terms of Use or arising out of your use or conduct on the website.

Severability

If any term or provision of this Agreement is determined to be illegal or invalid, or if any duty required by this Agreement is determined to be illegal, invalid or otherwise unenforceable by a court of competent jurisdiction, then to the extent necessary to make such provision of this Agreement legal, valid, or otherwise enforceable, such term or provision will be limited, construed or severed and deleted from this Agreement, and the remaining portion of such term or provision and the remaining other terms and provisions hereof shall survive, remain in full force and effect and continue to be binding, and will be interpreted to give effect to the intention of the Parties insofar as that is possible.

Governing Law

Except as specifically set forth in these Terms of Use, user access to the website is subject to all applicable international, federal, state and local laws and regulations. This agreement shall be governed by and construed in accordance with the laws of the State of Kansas applicable to agreements made and to be performed entirely within such State, without regard to the choice of law principles of such State. Any legal action taken or to be taken by either Party regarding this Agreement or the rights and liabilities of Parties hereunder shall be brought only before a federal, state or local court of competent jurisdiction located within the State of Kansas. Each Party hereby consents to jurisdiction of the federal, state and local courts located within the State of Kansas.