CardControl Plus – powered by Signal Financial Federal Credit Union – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.
CardControl Plus allows you to:
- Get real-time balances for your accounts
- Manage your money
- View your transactions and statements
- Make transfers
- Pay your bills and manage billers
- Deposit a check
- Receive alerts
- Manage cards
This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use, and disclosure of any personal information that we and our service providers collect from or about users in connection with Signal Financial’s website and mobile application (“CardControl Plus”).
Information We Collect in the App
Through your use of the services, we may collect personal information from you in the following ways:
(a) Personal information you provide to us.
We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
We will collect the financial and transaction information necessary to provide you with CardControl Plus, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for our services.
(b) Personal information collected from third parties.
We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our services.
(c) Personal information collected via technology.
We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our services, communications, and other online services, such as:
- Device data, for example a computer or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, LTE, 3G), and general location information such as city, state, or geographic area
- Online activity data, thus pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to CardControl Plus, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access
- Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns
- Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications
- Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked
- Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by CardControl Plus, we will collect location data when you use CardControl Plus even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device
How We Use Your Information Collected in the App
(a) General use.
In general, we use your personal information collected through your use of CardControl Plus to respond to your requests as submitted through the app, to provide you the services you request, and to help serve you better. We use your personal information, in connection with CardControl Plus, in the following ways:
- Facilitate the creation, security, and maintenance of your account
- Identify you as a legitimate user in our system
- Provide improved administration of the services
- Provide the services you request
- Improve the quality of experience when you interact with the services
- Send you administrative e-mail notifications, such as security or support and maintenance advisories; and send surveys, offers, and other promotional materials related to the services
(b) Compliance and protection.
We May Use Your Personal Information To:
- Comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities
- Protect our, your, or others’ rights, privacy, safety, or property (including by making and defending legal claims)
- Audit our internal processes for compliance with legal and contractual requirements and internal policies
- Enforce the terms and conditions that govern CardControl Plus, and prevent, identify, investigate or deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft
(c) Creation of non-identifiable data.
CardControl Plus may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties at our discretion.
Disclosure of Your Personal Information
We disclose your personal information collected through your use of CardControl Plus as described below.
(a) In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with CardControl Plus, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
(b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing CardControl Plus, for the purposes described in this Privacy Policy, including: to provide you with the CardControl Plus; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of CardControl Plus; to provide technical support; and/or to provide other services to CardControl Plus.
(c) Authorities and Others. Regardless of any choices you make regarding your personal information, CardControl Plus may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.
Links to Other Sites
CardControl Plus may contain links to third party websites. When you click on a link to any other website or location, you will leave CardControl Plus and go to another site and another entity may collect personal and/or anonymous information from you. CardControl Plus’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website, location, or its contents. We have no control over, do not review, and cannot be responsible for these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the Privacy Policy of every website you visit.
Your Choices Regarding Your Information
You have several choices regarding use of information on CardControl Plus.
(a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not act in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
(b) Access, Update, or Correct Your Information. You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.
(c) Opting Out of Email or SMS Communications. If you have signed up to receive our email marketing communications, you can unsubscribe any time by clicking the “unsubscribe” link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us under “Contact Us” below. If you provide your phone number through CardControl Plus, we may send you notifications by SMS, such as to provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through CardControl Plus.
(d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through CardControl Plus, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of CardControl Plus.
Safeguards and Retention
We implement reasonable administrative, technical, and physical measures in an effort to safeguard the information in our custody and control against theft, loss, and unauthorized access, use, modification, and disclosure. Nevertheless, transmission via the Internet is not completely secure and we cannot guarantee the security of your information.
A Note About Children
CardControl Plus does not intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through CardControl Plus and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.
Privacy Policy Updates
This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on CardControl Plus. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the app. These changes will be effective immediately for new users of CardControl Plus. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of CardControl Plus following notice of any such changes shall indicate your acknowledgment of such changes.
Contact Us
If you have any questions or complaints about this Privacy Policy or CardControl Plus’s data collection or processing practices, or if you want to report any security violations to CardControl Plus, you can do so by email at: memberservices@signalfinancialfcu.org; or by mail at:
Signal Financial Federal Credit Union
3015 University Blvd W.
Kensington, MD 20895
Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
Routing Number:
255075495
Main Line
301-933-9100
VISA® Credit Card: General Assistance
For Consumer/Business Cards:
800-328-3018
For Visa Signature Cards:
800-328-3033
ATM/VISA® Debit Card: Lost/Stolen
866-498-2213
Automated Phone System
800-447-8997
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