Privacy Policy

Introduction and Scope of Policy

Provident Federal Credit Union, together with its subsidiaries and affiliates (collectively, “Provident Federal CU”, “we”, “us” or “our”), is committed to serve your needs and to protect your identity and any information we collect about you.

This Privacy Policy (“Policy”) discloses the privacy practices for this Website (providentfcu.com) as well as any online or mobile site or application that we own and control (“Site”), unless a different privacy policy is posted relating to that particular site, application, product, or service.

We may collect, retain, use, and disclose personal and other information about you in accordance with this Policy. Other privacy policies may also apply in addition to the terms of this Policy.

Agreement to Policy

To the extent permitted by applicable law, by using a Site or interacting with a Provident Federal CU advertisement or page or account on a third-party site, you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.

Policy Updates

We may amend this policy by updating this page. Therefore, we suggest you check this page occasionally to ensure you are aware of any changes and amendments. Any changes to our policy will become effective when posted unless indicated otherwise.

Data Collection and Protection

What Information Do We Collect?

When you use our Sites, products, and services, we may collect personal information. The information we may collect about you through online interactions includes:

  • Information that you input, such as your name, address, email, and other contact details.
  • Data resulting from your activity, such as transaction information and the pages you visit on Site.
  • Geolocation information.
  • Biometric information, such as keystroke and mouse movement patterns.

We may also collect additional information, such as the type of device and browser you are using, the IP address of your device, information about your device’s operating system, and additional information associated with your device. We may also collect information through cookies, tags, and other technologies.

Google Analytics, web analytics service provided by Google, is also used on our Sites. Google Analytics uses cookies and similar technologies to collect and analyze data about the performance of our Sites (learn more about Google Analytics). To opt-out of having your information collected and used as described, please use the opt out.

How Do We Use Information That We Collect?

We may use your personal information to offer and enhance our products and services; process transactions and payments; perform analysis and research; improve your experience on our Sites; assist in showing our ads on your browser; measure ad campaigns effectiveness; reply to your requests and messages; adjust your preferences; meet legal and regulatory requirements; and for any other purposes we specify when we collect or you give us your information. We do not sell or rent your personal data.

In some circumstances, we might anonymize or strip identifiers from your personal data so it can’t be linked back to you. In those cases, we can use that data without notifying you further. When we keep and use data in an anonymized or deidentified state, we won’t try to reconnect it to you, except to check if our anonymization processes meet legal standards.

With Whom Do We Share the Information We Collect?

We may share the information we collect from you in the following circumstances:

  • Affiliates and Acquisitions: We may share data with our related companies (like subsidiaries or firms under the same ownership) to provide our products and services and for regular business needs. If another company buys or plans to buy our company, operations, or assets, we’ll share data with them, including during negotiations.
  • Service Providers: We may pass your data to Service Providers who help us run our website, carry out surveys, offer tech support, process payments, or assist in the fulfillment of services, among other tasks.
  • Legal Obligations: We might disclose data if required by subpoenas, warrants, court orders, or other legal proceedings, or to follow applicable laws. We may also share your information to protect our rights, defend against lawsuits, investigate or stop potential illegal acts, suspected fraud, threats to people or property, or breaches of our rules, or to fulfill your request for shipping products or providing services through a third party.
  • Other Third Parties With Your Consent: We may share your data with other third parties when we have your consent or direction to do so. For instance, you might authorize some third-party firms to access your data for things like account aggregation (combining your financial info from various sources), website or app payments, or tax preparation. We suggest being careful when giving such access and checking that these parties have solid policies to protect your data. Provident Federal CU isn’t liable for how any third party or person uses or shares data they access with your Provident Federal CU login or account details. Their use of your data falls under their privacy policies and terms, not ours. Provident Federal CU doesn’t oversee the privacy, security, or correctness of your data held by these parties, and our terms don’t apply to their services. For security or other reasons, Provident Federal CU might block or cut off third-party access to any account without warning.

Information Security

Our website resides on a network monitored 24/7/365 using the latest technology and are continually updated to meet the latest standards in security. There are several levels of security within our network framework, which are protected by both hardware and software firewalls. Our servers are set up to continually run system scans for Viruses and Malware. We have monitors set up to alert us of any suspicious activity and any downtime that may occur.

All information provided is protected and secured giving our users the safest web experience when visiting our website. With sensitive information submitted via the website, your information is protected both online and offline. With collected sensitive information (such as credit card data), that information is encrypted and securely transmitted to us. We secure online connections with cryptography and Secure Sockets Layer (SSL) protocol. This is easily verified by looking for a lock icon in the address bar and looking for “https” at the beginning of the web address.

We take precautions to protect your information. Encryption is used to protect sensitive information transmitted online and offline. The only employees who need this information are those that perform a specific job (for example, billing) and can access to personally identifiable information. Our servers and computers (where personally identifiable information is stored) are kept in a secure environment.

You can also set up your browser to block all cookies, including cookies related to our services, or to indicate when a cookie is being set. It’s important to note that many of our services may not function properly if cookies are disabled.

Web Visitor Responsibilities

While we constantly evaluate and implement the latest improvements in Internet security technology, visitors also have responsibility for the security of their information. Some basic recommendations are listed below:

  • Migrate to a modern operating system (OS) and hardware platform. Many of these security features are enabled by default and help prevent many common attack vectors. In addition, implementing the 64-bit mode of the OS on a 64-bit hardware platform substantially increases the effort of an adversary to attain a system or root compromise. For any Windows-based OS, verify that Windows Update is configured to provide updates automatically.
  • Utilize the latest version of a browser. The major browsers are: Microsoft Edge, Google Chrome, Mozilla Firefox, and Safari.
  • Security codes and passwords should be kept confidential. Change it frequently to ensure that the information cannot be guessed or used by others.
  • Be sure others are not watching you enter information on the keyboard when using the system.
  • Never leave your computer unattended while logged in to Online Banking or other sites requiring login credentials. Others may approach your computer and gain access to your account information while you are away.
  • Click Exit when you are finished using the system to properly end your session. Once a session has been ended, no further transactions can be processed until you log on to the system again.
  • Close your browser when you are finished. This will prevent other individuals from viewing any account information displayed on your computer.
  • Keep your computer free of viruses and spyware. Use virus and spyware protection software and keep it current. Routinely check on the integrity of your computer.

Email Best Practices

Personal email accounts are common attack targets. The following recommendations will help reduce your exposure to email-based threats:

  • In order to limit exposure both at work and home, consider using different usernames for home and work email addresses. Unique usernames make it more difficult for someone targeting your work account to also target you via your personal accounts.
  • Setting “out-of-office messages” on personal email accounts is not recommended, as this can confirm to spammers that your email address is legitimate and also provides awareness to unknown parties as to your activities.
  • Always use secure email protocols if possible when accessing email, particularly if using a wireless network. Secure email protocols include Secure IMAP and Secure POP3. These protocols, or “always use SSL” for web-based email, can be configured in the options for most email clients. Secure email prevents others from reading email while in transit between your computer and the mail server.
  • Unsolicited emails containing attachments or links should be considered suspicious. If the identity of the sender can’t be verified, consider deleting the email without opening. For those emails with embedded links, open your browser and navigate to the website either by its well-known web address or search for the site using a common search engine. Be wary of an email requesting personal information such as a password, credit card number or social security number. Any web service that you currently conduct business with should already have this information.

Password Management

Ensure that passwords and challenge responses are properly protected since they provide access to large amounts of personal and financial information. Passwords should be strong, unique for each account, and difficult to guess. A strong password should be at least 10 characters long and contain multiple character types (lowercase, uppercase, numbers, and special characters). A unique password should be used for each account to prevent an attacker from gaining access to multiple accounts if any one password is compromised.

External Links

Links to other sites are on this website. We are not responsible for the content or privacy practices on other sites. Please be aware when they leave our site and read the privacy statements of any other site that collects personally identifiable information.

Contact Us

If you have questions, concerns, or feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 302-734-1133 or via [email protected].