Privacy Policy

Agreement to Terms

Please read these terms and conditions carefully. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site, or any pages thereof.

Security

Riverfront Federal Credit Union is committed to providing the highest level of security and privacy regarding the collection and use of our member’s personal information as well as that of all visitors to our Web site. However, we are unable to ensure that information submitted electronically may not be intercepted by third parties, even though security features are utilized. Riverfront Federal Credit Union will not be liable should such interception occur.

Online Privacy Statement

This statement provides information about privacy related to usage of our website. For information about privacy practices in connection with accounts and services we provide (including online banking), refer to our Privacy Notice found here: Privacy Statement Our general website does not gather personal data from visitors. However, we may use web analytics services to help us analyze site usage and improve the user experience. These services do not collect personal information about a user. Rather, they employ “cookies”, which are files placed on your computer to generate information about your use of the website. The cookie provides information about your use of the website (including your IP address), which is transmitted to us or to our analytics provider. You may set your browser to refuse cookies, but if you do so, not all features of this site may be fully functional for you. For more information regarding our internet privacy policies please refer to our Internet Privacy Policy.

Our Mobile App and your Location Data

When allowed by you, our app collects your location data for, but not limited to, help with fraud detection.

Our Mobile App Use of Information

This application may require access to the contact list on your mobile device in order to facilitate certain features within the application including, but not limited to, Zelle, Bill Pay, and Mobile Lending.

We may use the contact list information obtained from your mobile device for the following purposes:

• Facilitating the Zelle feature, allowing you to send and receive money securely within the Application.
• Enabling the Bill Pay feature, enabling you to manage and pay your bills conveniently through the Application.
• Supporting the Mobile Lending feature, assisting you in applying for loans and related financial services.

Copyright

Your rights to use materials on this Website are limited by law. All information on this site is protected by copyright laws of the United States and other countries. Visitors to this website may download a copy of materials on this site to a single computer for personal, non-commercial home use as long as all copyright, trademark or other proprietary notices are included in the material which is downloaded. Visitors to this site are prohibited from reproducing, redistributing, republicizing, or retransmitting any materials posted at this website without the prior permission of Riverfront Federal Credit Union.

Notification of Claimed Infringement

If a copyright owner, its agent, or licensee has reason to believe that any material contained on www.riverfrontfcu.org may infringe on its copyright, notice must be given in writing of the following: (a) identification of the copyrighted work claimed to have been infringed; (b) identification of the allegedly infringing material; (c) information sufficient to permit Riverfront to locate the infringing material; (d) a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or licensee, or is otherwise permissible by law; and (e) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the copyright owner, agent, or licensee. Anyone who knowingly misrepresents that material is infringing in such a notice will be liable for any damages and any associated costs incurred by Riverfront, any alleged infringer, or any copyright owner or its authorized agent or licensee. Written notice must be sent to Marketing Department, Riverfront Federal Credit Union, 2609 Keiser Blvd Wyomissing, PA 19610.

Third Party Sites

For your convenience, this site includes links to other third party sites. Riverfront Federal Credit Union does not endorse or guarantee these third party sites. The products and services offered on third party sites are not products of Riverfront Federal Credit Union and may not be insured by the NCUA. Riverfront Federal Credit Union does not control privacy or security on these sites, and as such, makes no guarantees as to the privacy or security of these sites, or of any information you may provide or disclose while on these sites.

Hyperlinks

This website may contain hyperlinks to other sites created and maintained by other organizations. Riverfront Federal Credit Union does not regularly review materials posted on these linked sites, nor do they endorse the owners of such linked sites, or the products or materials appearing on such linked sites. Any decision of website visitors to view any of the linked websites is at their own risk.

Linking to Riverfront Federal Credit Union

What you can do:

You do not need to get advance permission to link to Riverfront’s web site if you are making a simple link to our homepage (www.RiverfrontFCU.org) and are following the linking guide lines below.

You may also link to one of our sub pages, where appropriate. We reserve the right to change sub pages at any time without notice.What you should not do:

Do not capture our pages within your frames, or otherwise present our content as your own. Any link to our site should be a full forward link that passes the client browser to our site unencumbered. The back button should return the visitor to your site if the visitor wishes to back out. You should not link to individual graphics or tables within our pages, especially in an effort to place the downloading burden on our servers. Such an action may be considered a misuse of Riverfront’s resources.

Guidelines for Linking to Riverfront’s Websites

A site that links to Riverfront’s website:

• May link to but not replicate Riverfront’s content
• Should not create a browser or border environment around Riverfront’s content
• Should not imply that Riverfront is endorsing it or its products
• Should not misrepresent its relationship with Riverfront
• Should not present false information about Riverfront’s products or services
• Should not use the Riverfront’s logo without permission from Riverfront
• Should not contain content that could be construed as distasteful, offensive or controversial, and should contain only content that is appropriate for all age groups

Limitation of Liability

In no event shall riverfront federal credit union be liable for any lost data, use, profits, savings, goodwill, or indirect, incidental, special, consequential, exemplary or punitive damages arising out of or relating to your use or your inability to use information contained in this website. Your sole remedy for any damages related to use of this website or information downloaded from this website is to discontinue use of the website. The liability restrictions contained herein may not apply in certain jurisdictions.

No Warranty

All materials on this website including but not limited to documents, audio, video, software and other data, ore provided “as is” without warranties of any kind. All warranties implied by law are explicitly disclaimed, including but not limited to the warranties of merchantability and fitness for a particular purpose. Riverfront federal credit union makes no warranties or representations regarding whether any viruses are contained in this website or the materials contained herein. Riverfront federal credit union does not represent or warrant that the information accessible via this site is accurate, complete or current. These warranty limitations may not apply in certain jurisdictions.

Governing Law

This website is controlled by Riverfront Federal Credit Union from its offices within the Commonwealth of Pennsylvania, United States of America. It can be accessed from the 50 states and from countries around the world. You agree with Riverfront Federal Credit Union that the statutes and laws of the Commonwealth of Pennsylvania, without regard to its conflicts of law principles will apply to all matters regarding use of this website.

Trademarks

• CU$® is a registered trademark of Pennsylvania State Employees Credit Union
• PLUS Network® is a registered trademark of Visa
• Quicken® is a registered trademark of Intuit, Inc
• Star® is a registered trademark of Concord EFS, Inc
• Visa® is a registered trademark of Visa

Changes

The documents and graphics appearing on this website might include technical inaccuracies, typographical errors, and out-of-date information. Use of any and all materials contained in this website is at your own risk. Changes may be made at any time to the information on this website without prior notice.

Rates, charges and product or service information are subject to change without notice.

Capacity to Contract

You certify that you are at least 18 years old, have the legal capacity to contract and you are legally competent to contract should you open any accounts with us online. We do not solicit or open accounts for minors unless a guardian or custodian of legal age is also on the account.

Damages

This disclaimer is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss or damage to property and claims of third parties.

Submissions to Site

All remarks, discussions, ideas, graphics, or other submissions communicated collectively through this site will be the exclusive property of Riverfront Federal Credit Union. Riverfront is entitled to use any portion of the submission without restriction or compensation to the individual who provided it. Nothing contained herein shall be construed as limiting or reducing Riverfront Federal Credit Union’s responsibilities and obligations to our consumers and members in accordance with our Privacy Policy.

Severability

To the extent any portion of this website disclosure is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and this website disclosure, as so modified, shall remain in full force and effect.

Waiver

No waiver by Riverfront Federal Credit Union or any right under or term or provision of this website disclosure will be deemed a waiver or any other right, term or provision at that time or a waiver of that or any other right, term or provision of this website disclosure at any other time.

Additional Terms

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

Indemnity

Except as specifically stated on this site, neither Riverfront Federal Credit Union nor any of its directors, employees, or other representatives will be liable for any damages arising out of or in connection with the use of this site.

Credit Card Mobile App Online Privacy Policy

Our Online Privacy Practices

Keeping financial and personal information secure is one of our most important responsibilities. Riverfront Federal Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.

Secure Transmissions

To ensure information remains confidential, Riverfront Federal Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.

Email Security

Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number or PIN numbers. We also ask that you do not send personal or account Information through regular email.

Cookies

Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the site and to assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.

Linking to Other Sites

To provide you with easy access to information, Riverfront Federal Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and Riverfront Federal Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by Riverfront Federal Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.

Google Analytics

Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects 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. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services at google.com/policies/privacy/partners/.

Privacy Policy

To learn what Riverfront Federal Credit Union does with your personal information please view our Privacy Notice or contact us by mail, phone, or email.