Privacy Policy
Your Privacy is Secure at Mission Fed
Mission Federal Credit Union (Mission Fed) is committed to earning the trust that you, the members, have in us to protect your confidential financial information. In order for Mission Fed to provide you with high quality products and services, you have entrusted us with your personal information. We understand this is your information, and we accept the responsibility to protect and keep it confidential. We commit to you that we will not violate this trust, in keeping with our Mission Values principles. Mission Fed believes we are keepers of your information, and we must take measures to ensure that your information is used properly. Maintaining your trust by protecting your right to privacy is very important to Mission Fed. We want you to understand your rights regarding our collection and use of your information. These Privacy Policies disclose what information we collect, how we use it, and how we protect it. We want you to know the action Mission Fed has taken to ensure the protection of your privacy.
Online Privacy Policy
Maintaining the privacy and security of the information that you share with us is very important to Mission Fed. This Policy outlines how we collect, use, and share your information when you access our website and our Mobile and Online Banking services.
In addition to our Online Privacy Policy, you should also refer to the following for more information about our privacy and information sharing practices which are available on our Privacy Page:
- California Financial Privacy Policy (Important Privacy Choices for Consumers)
- California Consumer Privacy Act (CCPA)/California Privacy Rights Act (CPRA)
- Federal Privacy Policy
Information Collected by Mission Fed
When you use our Mobile or Online Banking services, we may collect the following:
- Personal Information: Information such as your name, email address, user identification (“User ID”), address and phone number to help facilitate the ease of your transactions.
- Financial Information: Your financial institution and payment related information (ex. bank account numbers, debit/ATM card numbers, or credit card numbers) if you provide it to us when you interact with our website, or our Mobile or Online Banking services.
- Cookies, Device, IP Address, and Other Usage Information: Our website uses cookies to enhance user experience and the functionality of our website, analyze site usage to understand how consumers use our website and monitor responses to our marketing and advertising efforts. When you use our website, you agree that cookies will be stored on your device. We may collect information about your use of our website, our Mobile or Online Banking services. For example, we may capture your device identifiers, your operating system, the browser you use, and the IP address of the device you use to access our website or our Mobile or Online Banking services. We may collect usage information about a particular feature or crash log information. Your usage and crash data are collected anonymously.
- Activity Monitoring: Mission Fed has partnered with LivePerson, Inc. to offer a chat feature on our website, mobile, and online banking applications. All data provided when you visit our website, including chat sessions, images, videos, audio, and other interactions may be monitored, recorded, transcribed, or received by us and our service providers for training, analytics and other routine and lawful purposes. We may also monitor and collect data on your browsing history before you access our chat features. We do not control LivePerson’s collection, storage, use and subsequent disclosure of your information to third parties, including its service providers. Prior to using our website, mobile application, or the chat service, please review LivePerson’s privacy policy for more information regarding its use, disclosure, and processing of your personal information. If you have difficulty accessing LivePerson’s privacy policy, or it is no longer available through the hyperlink we provided, please contact LivePerson directly for assistance.
- Zelle: Our mobile banking application, with your consent, accesses the contacts information stored on your mobile device. This information allows you to send or receive funds using the Send Money with Zelle® feature of the app (Zelle). If you would like to use this feature of Zelle, we need to receive permission to access your contacts. With your first use of Zelle, a pop-up will appear when you go to add recipients from your phone contacts. Clicking the “Allow” button will authorize our access to your contacts. Sharing of the list of contacts is optional and you may disable this at any time.
Use of Personal Information
We may use or share the information we collect from you for any of the following purposes:
- Marketing/Prospecting: to market or advertise our products and services to you;
- Operation of Website/Mobile App:: operation and management of our website/mobile app including displaying information to you; facilitating transactions and communicating and interacting with you via our website and mobile app;
- Information Technology (IT) Operations:: to conduct IT security audits or other IT security related functions;
- Security:: physical security of our branches and offices (including any video recordings or visitor logs) and electronic security (login records and access details);
- Legal Matters:: to respond to law enforcement requests, court orders or other types of legal process including (subpoenas, levies, or garnishments);
- Legal Compliance:: to comply with Mission Fed’s legal and regulatory obligations under applicable state and federal law;
- Fraud and Risk Management:: to verify your identity to allow you to access your accounts via our Mobile and Online Banking Services, detect, evaluate, and prevent fraud or in connection with audits, compliance reviews, exams, and other risk management functions; and
- General Business Purposes:: to conduct data analytics, enhance and improve our website, Mobile or Online Banking services, identify usage trends, and determine the effectiveness of promotions and campaigns.
Categories of Third Parties With Whom We May Share Information
- Governmental, law enforcement or regulatory authorities or agencies (when required to do so);
- Accountants, auditors, lawyers, and other external professional advisors, subject to written agreements and confidentiality clauses;
- Third party service providers such as credit reporting agencies, bill payment processors, advertising agencies, payment service providers and other third parties used to provide products and services to Mission Fed members; and
- Other third parties, to comply with legal requirements such as to respond to subpoenas and court orders or to address fraud, security, or technical issues.
Children’s Online Privacy Notice
Our website, mobile, and online banking services are not intended for or directed to children under the age of 13. We do not knowingly collect the personal information of anyone under the age of 13 years old without parental consent.
Social Media Policy
The terms of our social media accounts which may include, but are not limited to Facebook, YouTube, Yelp, Instagram, LinkedIn, Pinterest and X (formerly Twitter) are governed by our Social Media Public Use Policy. Please refer to:
https://www.missionfed.com/disclosures/#social-media-public-use-policy
Updates to this Policy
We may update this Policy from time to time. When we do, we will let you know by posting the revised notice on our Privacy Page with a new “Last Updated” date. Your use of the website, mobile and online banking services following these updates means that you accept the revised Policy.
Contacting Mission Fed
Questions regarding this Online Privacy Policy should be directed to Mission Fed:
- By calling 800.500.6328;
- By email to [email protected]; or
- By mailing written requests to:
Mission Federal Credit Union
Attn: Contact Center
P.O. Box 919023
San Diego CA 92191-9023
California Financial Privacy Policy (Important Privacy Choices for Consumers)
California Consumer Privacy Act (CCPA)/ California Privacy Rights Act (CPRA) Policy
Last Updated: 12/19/2023