Last Updated:  November, 2025

1. Introduction

Utah Community Federal Credit Union, aka Utah Community Credit Union, is hereinafter referred to as “UCCU” or “We.”  As used herein, the term “UCCU Apps” shall collectively refer to UCCU’s digital communications, phone and texting systems, websites, applications, and all other media or mediums offered by UCCU or otherwise visible by you. As used herein, the term “Personal Information” includes your: name, image, likeness, voice, geolocation, contact information, submissions, transaction details, UCCU App interactions, movements on and within UCCU Apps, device identifier, keystrokes, consumer reports content, and all other personal or identifiable information available to us. We do not sell your Personal Information. However, we may share your Personal Information with certain parties as provided below.

2. Parties With Whom We Share Information

We may share your Personal Information with affiliates, partners, and third parties in accordance with the disclosures given in our Consumer & Customer Privacy Policy. By using UCCU Apps, you acknowledge that you have read and agreed to the Consumer & Customer Privacy Policy linked in the prior sentence. We may use or share Personal Information with any party and for any reason described in the linked Consumer & Customer Privacy Policy. Without limiting the forgoing, we can share your Personal Information with any party to: (i) offer products or services to you (either alone or in conjunction with a third party), (ii) enhance any UCCU App or experience for you, (iii) gauge the effectiveness of UCCU Apps, (iv) deliver advertising to you, and (v) measure advertising campaign effectiveness. We may also share your Personal Information as required to meet legal and regulatory obligations.

3. Keeping Your Information Accurate

It is important that we have accurate and up-to-date information about you. If your profile information, email address, mailing address, telephone number, or other Personal Information is incomplete, inaccurate, or out of date on UCCU Apps, you agree to update and correct it through the UCCU Apps, by visiting a branch, or by contacting us at (800) 453-8188.

4. Updates

We may change our privacy and other practices, disclosures, and policies from time to time. You agree that it is sufficient notice of any change if UCCU posts the revised practice, disclosure, or policy on any page or portion of www.UCCU.com or otherwise notifies you of the change(s). At our discretion, any changes to our practices, disclosures, and policies will become effective when posted or communicated unless indicated otherwise even if a “last updated” date is inadvertently incorrect. By using any UCCU App, you agree to frequently locate and review this disclosure and to remain abreast of changes made to it.

5.  How You May Be Able To Control Your Information

We track, record, and store your Personal Information as you speak with UCCU and as you use UCCU Apps. By calling UCCU or using UCCU Apps, you waive any claim based upon electronic surveillance or wiretapping and expressly consent to UCCU tracking and recording your Personal Information at any and all times. For example and without limitation, we use “cookies” to store your preferences for when you visit our sites or apps and to make certain features of our site function. If your web browser settings allow cookies, UCCU Apps will utilize them and a file will be stored on your device. You may disable or remove cookies by accessing your web browser settings. A portion of UCCU Apps may still function without cookies, but some features may not work properly. Please note that due to a lack of consistent standards across browsers, our sites may not respond to “do not track” browser settings. We may track from whence traffic to UCCU Apps comes. We do not track where you go online after you leave a UCCU App.

In addition to cookies, we may utilize other technology tools to track your use of the UCCU Apps; for example and without limitation, we may use web beacons, pixels, tags, clear gifs, other invisible images, embedded tools, tracking URLs, software development kits (SDKs), or other methods to (i) record, track, and recognize when you have opened an email from us or opened or used a product or service, and (ii) to collect and record your Personal Information. If you choose to connect to UCCU Apps through a third-party service, platform or social network, we may receive your Personal Information from the third-party, and we may use that information in accordance with this disclosure.

6. Children’s Privacy

We do not knowingly collect Personal Information from individuals under the age of 13 who use our Sites without obtaining consent from a parent or legal guardian. To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the National Credit Union Administration Regulatory Alert  or the Federal Trade Commission’s website.

7. Data Sharing

We are aware that you may share your UCCU Apps login credentials to use services of non-affiliated parties. UCCU encourages you to use caution when sharing access to your account as UCCU shall not be responsible for data breaches or account transactions that occur due to you sharing your account access information or tools. UCCU does not control the privacy, security, or accuracy of your information that may be held by a third-party company. We are also not responsible for any fees associated with these third-party services. When you provide your sign in credentials to your UCCU accounts to a third party, you will be deemed by us to have authorized all transactions or actions initiated by that third party using the access information you provided, whether you are aware of the specific transaction or action.

If you decide to revoke the access authority you previously gave to a third party, you agree to immediately change your UCCU password to ensure the party cannot continue to access your account. For security and other reasons, UCCU reserves the right to block or disable third-party access to any account without notice, but UCCU is not required to do so.

You agree that UCCU is not a Video Tape Service Provider under the Video Tape Privacy Protection Act (“VPPA”), 18 USC § 2710. If, however, any court or competent authority shall deem UCCU a Video Tape Service Provider, you expressly consent to UCCU disclosing your personally identifiable information to any party disclosed in the Consumer & Customer Privacy Policy linked above or otherwise described in this disclosure.

8. Geolocation and Mobile Application Solutions

UCCU Apps may periodically collect, transmit, and use (1) identification numbers for your device, and (2) and/or your physical location and/or Internet protocol address. You agree to the collection, transmission, and use of such information for any purpose.

Additionally, UCCU Apps may periodically collect, transmit, and use geolocation information for enabling features such as, but not limited to, card use and alerts to prevent fraudulent activities but only if you expressly authorize collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the feature(s) are being used or not at all, depending on your selection. You can change location permissions at any time in your device settings.

When you use the UCCU mobile application to perform person-to-person payments and similar funds transfers, you may authorize UCCU and its service provider to access your contact list names, email addresses, and phone numbers on the mobile app and your mobile device to facilitate your transactions. We will always ask for your permission before accessing your contact data for these transactions.

9. External Accounts

UCCU offers services that allow you to “connect” or “link” your UCCU account to one or more external accounts, such as a bank account, a loan, or a credit card account held at another institution. These services also enable us to authenticate your identity and verify information provided by you. You agree to the following terms and conditions when you connect an account or profile at another institution:

• UCCU will obtain your account information. If you elect to link one or more external accounts to UCCU, UCCU will obtain information from the external linked account(s). The specific information UCCU obtains from a given external linked account may vary by institution and account type. You should assume UCCU will obtain from the account any information that is available to you and any information that the external party makes accessible.

• Use of Connected Information. If you elect to connect an external linked account through any UCCU service, UCCU may use the information from the connected account for any purpose permitted by UCCU’s privacy policies and disclosures, including but not limited to use of the information to identify products and services that may be of interest to you, sharing information with affiliated companies to offer products and services to you, and identifying if you would be likely to be eligible for certain products and services.

• Use of Third-Party Services. To connect an account, UCCU may require you to use services offered by one or more of the following:  Plaid Inc. (“Plaid”), MX Technologies (“MX”), or another company. By using one or more of these services, you acknowledge and agree that the terms and conditions, privacy policy, and disclosures of the respective services will govern the use of information those companies collect about you or that you provide, and you expressly agree to the terms and conditions of the Plaid  and/or MX Privacy Policy and also to the terms and conditions of any privacy policy for which a link or opportunity to view is provided to you. Further, you expressly grant Plaid and/or MX, and any other third-party UCCU uses the right, power, and authority to access and transmit your information as reasonably necessary for the third party to provide services to you.

• You Authorize UCCU to Act. If you elect to connect an external account to UCCU, you direct and authorize UCCU and the third parties involved to connect to the account and obtain any and all information available. UCCU does not warrant that the information obtained from the external account is accurate, complete, or non-infringing.

10.  Generative And Other Artificial Intelligence. 

Some states and other jurisdictions require a party under certain circumstances to notify the other party to a communication if the consumer or customer is interacting with artificial intelligence. UCCU may utilize artificial intelligence to generate content for purposes such as, but not limited to, answering questions from you, providing generative content, marketing products and services, and other purposes.

11. Notice for California Residents

If you are a California resident, you may have rights under the California Consumer Privacy Act of 2018 (CCPA) (see California Civil Code Section 1798.100 et seq.). Under the CCPA, covered businesses that collect the personal information of California residents must provide notice regarding their data collection and sharing practices. UCCU provides such notice in our online privacy disclosure combined with our Consumer and Customer Privacy Policy. For additional information about the CCPA, please see uccu.com/ccpa.

12. European Privacy Regulations

Privacy regulations from the European Union, known as the GDPR, are designed to protect privacy rights of residents of EU countries. By using UCCU Apps or any product or service of UCCU, you agree UCCU is not governed by the GDPR, but if any court or authority deems UCCU to be subject to the GDPR, you waive any claims under any European Union privacy laws, including but not limited to the GDPR. If required by law, UCCU may elect to comply with GDPR requirements when applicable.

13.  Copyright and Proprietary Rights

All materials published in the UCCU Apps, including but not limited to the software, graphics, text and look and feel of the UCCU Apps, and all trademarks, copyrights, patents and other intellectual property rights related thereto (“Proprietary Materials”), are owned or controlled by UCCU, our subsidiaries or affiliated companies, contributors, our third party licensors, and/or our advertising partners. You agree you shall not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any Proprietary Materials or any other aspect of the UCCU Apps.

14. Additional Terms. 

Additional information on our banking terms and conditions can be found at the following linked location: https://www.uccu.com/disclosures/. You agree that if you are a member of UCCU or have any account with UCCU, you shall be bound by the latest versions of all the terms and conditions linked in this disclosure.

15.  Headings. 

Headings contained in this disclosure are for convenience purposes only and shall not control if there is any dispute between the heading and the text otherwise contained in this disclosure.