Privacy Policy

Online Privacy Policy

Last Updated 10/20/2023

Jovia takes protecting your privacy and your information very seriously.

This Online Privacy Policy applies to the use of Jovia’s website, online and mobile banking applications. This Policy describes how Jovia may collect, use, and share information from or about you, and how that information may be used. The terms “Jovia”, “we,” “us,” or “our” refer to Jovia Financial Federal Credit Union.

Agreement

By using Jovia’s online services, you consent to this policy, which includes your consent to disclose and use information about you in the manner detailed in this policy. Other privacy policies may also apply in addition to the terms of this Policy, including, but not limited to, our Privacy Policy.

What Information Do We Collect?

Information we collect may be one of two types: Personal Information and Other Information, including Aggregate Data and Anonymous Data

Personal Information means personally identifiable information such as information provided primarily by you through forms, applications or other online fields including name, postal or email addresses, telephone, mobile numbers, account numbers, usernames and passwords. We may also collect social security numbers, driver’s license numbers and other personally identifiable information when you provide such information while using our online services and where we believe it is reasonably required for ordinary business, including in connection with an application for employment or other recruiting purposes.

Other Information is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, as well as Aggregated Data and Anonymous Data. Aggregated Data and Anonymous Data is data that we may create or compile from various sources, including but not limited to accounts and transactions. This information, which does not identify individuals or individual account holders, may be used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.

With Whom Do We Share the Information We Collect?

We may share your Personal Information with any affiliates and third parties in accordance with the practices set forth in our Consumer Privacy Policy. We do not and will not sell your Personal Information. We may use or share information to enhance your experience on our sites, to help target internet ads on our and third-party websites, deliver ads to your browser, and to measure advertising campaign effectiveness. We may also share your information as required to meet legal and regulatory obligations.

How does Jovia Gather, Use & Share Information That We Collect Online?

We, and our third-party service providers, may collect information about you through the Online Services including information about your devices, carrier, and location information. This information is collected and analyzed to assist with fraud detection and for other security purposes to keep your account safe, and to enhance our ability to optimize and personalize your online experiences. We may also gather additional information when you initiate a transaction. Information collected may include:

Your IP address (the numeric address assigned to your device you are using to access our service)
The hardware and browser information of your devices
Data such as the date and time you accessed our services,
Your physical location transmitted to us when you log in or request information through the mobile application,
Your activities during your visit.

Through your use of our Online Services, we may collect information about your device such as the device model, and the name and version of the operating system and browser. This information will be retained by Jovia for as long as needed but will only be used for the limited purposes stated within this Policy.

Online Tracking and Advertising on Third Party Sites

We and third-party providers acting upon our behalf use a variety of tools and technologies to collect information when you visit or use our online services, including device data. We use these tools to collect information for debugging, fraud prevention, session management, and other necessary purposes. We also use these to conduct personalization, analytics, and targeted advertising. We may associate this tracking data with your digital banking account if you have one.

These tools include:

Through your browser or device: Certain information is collected by most browsers and/or through your device, such as your IP address, device type, operating system version and internet browser type and version. We use this information to ensure Sites function properly, for fraud detection and prevention, and security purposes.

Using cookies: Cookies are pieces of information that we store 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 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. Please see the Advertising section below for more information. You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services. For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on. You also may not receive tailored advertising or other offers from us that may be relevant to your interests and needs.

Other technologies including pixel tags, web beacons, and clear GIFs: These may be used in connection with some Site pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, to compile statistics about usage and response rates, to personalize/tailor your experience while engaging with us online and offline, for fraud detection and prevention, for security purposes, for advertising, and to assist us in resolving account holders’ questions regarding use of our Site. Please see our Advertising section below for more information regarding our use of other technologies.

IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, to personalize/tailor your experience while engaging with us online and offline, for compliance and security purposes, for advertising, and administering the Site. Please see the Advertising section below for more information.

Mobile Applications: Jovia’s Mobile Applications for client accounts (“Mobile Applications”) allows you to access your account balances and perform certain functional transactions. This Notice applies to any Personal Information or Other Information that we may collect through the Mobile Applications. Some mobile devices come with a non-permanent advertising identifier or ID which gives companies the ability to serve targeted ads to a specific mobile device. In many cases you can turn off mobile device ad tracking or you can reset the advertising identifiers at any time within your mobile device privacy settings. In addition, if you have enabled location services on your mobile device, we may collect geolocation data from your device or contact information. You may also choose to turn off location tracking on your mobile device. By turning off ad tracking or location tracking on your mobile device, you may still see the same number of ads as before, but they may be less relevant because they may not be based on your interest.

Third party widgets – We may allow certain widgets (e.g., social share buttons) on our Sites that enable users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our Sites where these widgets are placed. You may wish to review information at the third-party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information. Also, see Linking to other sites and Social media sites.

Advertising on third party sites and mobile apps

Jovia contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. These companies use non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over, hardware/software information, cookie and session ID) and personally identifiable information (e.g., static IP address) during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you or advertising-related services, such as ad delivery, reporting, attribution, analytics, and market research. These parties typically use a cookie, web beacon or other similar tracking technologies to collect this information. Third Party sites and mobile apps are not subject to Jovia’s Privacy Notices. You should visit the individual sites and mobile apps for additional information on their data and privacy practices and opt out policies.

Social media sites

Jovia may provide experiences on social media platforms including, but not limited to, Facebook®, Twitter®, YouTube® and LinkedIn® that enable online sharing and collaboration among users who have registered to use them. Any content you post on official Jovia managed social media pages, such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms. Please refer to them to better understand your rights and obligations regarding such content. In addition, please note that when visiting any official Jovia social media pages, you are also subject to any Sterling National Bank’s Privacy Notices and Social Media User Terms. Whenever you visit a third-party website, you should review that site’s privacy notice.

Children’s Privacy

Jovia Financial Federal Credit Union will comply with the Children's Online Privacy Protection Act (COPPA) in the operation of online services and its website; and will diligently protect the privacy of children under thirteen and the online collection of data and information from children using its website or service.

APPLICABILITY OF COPPA.
1. Determination. Jovia will comply with COPPA requirements in its operation of a commercial website, or an online service directed to children under thirteen (13) that collects personal information from children; or in its operation of a general audience website and has knowledge that personal information about children under thirteen is being collected.
2. Collection. Jovia is collecting information if Jovia:
  1. Requests, prompts, or encourages the submission of information, even if it is optional;
  2. Allows information to be made publicly available before Jovia takes reasonable measures to delete all or all personal information before postings is public and delete all information from Jovia’s records; or
  3. Passively tracks a child online.
3. Children’s Personal Information. The personal information that may be collected from children can include:
  1. Full name
  2. Home address
  3. Geolocation information sufficient to identify a street name and city or town;
  4. Online contact information;
  5. Telephone number;
  6. Social Security number;
  7. Photo, video, or audio file containing a child’s image or voice;
  8. Persistent identifier that can be used to recognize a user over time and across different sites, including a cookie number, an IP address, a processor or device serial number, or a unique device identifier;
  9. Any information that allows someone to identify or contact the child; and
  10. Other data and/or facts that can be tied to individually identifiable information; including:
    1. Hobbies;
    2. Interests; and
    3. Information collected through cookies and other types of tracking mechanisms.
PRIVACY NOTICE.
1. Content. Jovia’s children’s online privacy notice will be clearly written, understandable and will contain:
  1. Jovia’s name and contact information (address, telephone number and email address;
  2. Names of any other operator that may be collecting or maintaining children’s personal information;
  3. Kinds of personal information collected from children; (refer to CIP)
  4. How information is collected from children;
    1. If the information is collected directly from the child; and/or
    2. If the information is collected passively through cookies.
  5. How Jovia uses the child’s personal information it has collected, including the use of audio files and how they are appropriately deleted.
  6. The parent/guardian’s option to agree to the collection and use of their child’s information.
  7. If the information collected from children is disclosed to a third party; and if so: the kinds of business the third party is engaged in; the purpose for collecting the information and how it will be used; and a statement on the third party's agreement to maintain the confidentiality and security of the information. (Privacy policy)
  8. The parent/guardian’s right to opt-out of sharing the child’s information with third parties;
  9. That Jovia will not require children to disclose more information than is necessary to participate in Jovia’s website or online service as a condition of participation; and
  10. The parent/guardian’s right to review the child’s personal information, ask to have it deleted, and refuse to allow any further collection or use of the child’s information.
2. Placement. Jovia will post a link to the Children’s Online Privacy Notice on the home page of its website or online service and at each area where it collects information from children.
  1. The link will be clear and prominent.
VERIFIABLE PARENTAL CONSENT.
1. Consent Requirement. Before collecting, using or disclosing personal information from a child, Jovia will obtain verifiable parent/guardian consent from the child's parent/guardian. Jovia will make reasonable efforts (taking into consideration available technology) to ensure that before personal information is collected from a child, a parent/guardian of the child receives notice of Jovia’s information practices and consents to those practices.
2. Renewed Consent. Jovia will send a new notice and request for consent to parents/guardians if there are material changes in the collection, use or disclosure practices to which the parent/guardian had previously agreed.
3. Exceptions. Prior parent/guardian consent is not required when Jovia:
  1. Collects a child’s email address for the purpose of:
    1. Providing notice and seeking parent/guardian consent;
    2. Responding to a one-time request from a child and then promptly deleting it;
    3. Protecting the security or liability of the website or service; or to respond to law enforcement.
  2. Collects an audio file with a child’s voice when:
    1. It is collected solely as a replacement of written words, such as to perform a search or to fulfill a verbal instruction or request; and
    2. The recording is held only for a brief time and only for that purpose (not making any other use of the file before it is destroyed).
    3. The audio file exception would not apply when Jovia requests information via voice that would otherwise be considered personal information.
PARENT/GUARDIAN INFORMATION REQUEST.
1. Parent/Guardian Request. At a parent/guardian’s request, Jovia will disclose the general kinds of personal information they collect online from children (for example, name, address, telephone number, email address, hobbies), as well as the specific information collected from their children who visit Jovia’s website or service.
2. Parent/Guardian Relationship Verification. Jovia will use reasonable procedures to ensure they are dealing with the child's parent/guardian before they provide access to the child's specific information.
PARENT/GUARDIANAL CONSENT REVOCATION.
1. Revocation. At any time, a parent/guardian may revoke his/her consent, refuse to allow Jovia to further use or collect their child's personal information, and direct Jovia to delete any information Jovia may have retained.

Location Tracking

Based upon your device and application setting, we may track your physical location. This information may be provided to mapping applications to assist you in locating nearby branches and ATMs and to provide you with relevant offers. Your location data will be retained by Jovia for as long as needed but will only be used for the limited purposes stated within this Policy.

Security Measures

We have implemented strong security to protect you and your accounts. We use encryption technology to help ensure that information is always passed to Jovia securely. We encourage the use of strong passwords. We use one-time passwords via authenticator app, text messages or email to provide a second layer of security. Please never share your passwords or one-time tokens and we will never ask you for them.

We restrict access to nonpublic personal information about you to those employees who need to know the information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal, state and industry requirements to protect the security of your nonpublic personal information. Procedures exist to ensure that customer financial information is accurate, current, and complete. Our staff responds to requests to correct inaccurate information in a timely manner.

Data Sharing

Although we do not share your Personal Information with nonaffiliated third-party companies except as provided by our Consumer Privacy Policy, we are aware that you may choose to do so to use their services. For example, you may have authorized some third-party companies to access your Personal Information and account data to offer financial information and services such as: account aggregation (consolidating your financial account information from different sources), making payments via a website or mobile application, and tax preparation. Because these third-party companies have access to your Personal Information and account data and may use your account sign in credentials in order to provide the service, we recommend you use caution when granting such access to third-party companies. Some of these third-party companies may use other companies to assist them with providing services or with accessing your Personal Information or account data. Any one or all of these companies may be storing your Personal Information or account data. Jovia is not responsible for the use or disclosure of any Personal Information or account data accessed by or on behalf of any company or person to whom you provide your Jovia sign in credentials or account information. We do not control the privacy, security, or accuracy of your information that may be held by these third-party companies, which are governed by the third-party’s privacy policy and data security program. We are also not responsible for any fees associated with these third-party services. When you provide your sign in credentials to your Jovia 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 or not you are aware of the specific transaction or action. If you decide to revoke the access authority you previously gave to a third party, we strongly recommend that you change your Jovia password to ensure that the party cannot continue to access your account. For security and other reasons, Jovia reserves the right to block or disable third-party access to any account without notice.

Keeping Your Information Accurate

It is important that we have accurate and up-to-date information about you. If you notice that your information is incomplete, inaccurate, or out of date, please contact us at (516) 561-0030 or visit a branch. You can also review and request changes to certain Personal Information such as your email address, mailing address, and telephone number on our Sites.

Changes to Online Privacy Policy

Jovia reserves the right to amend this Policy from time to time without prior notice. Please review it periodically. We may change this Online Privacy Policy in the future. When we do, we will revise the “Last Updated” date at the top of this Notice and post the revised notice on our website. This Online Privacy Policy was last updated and became effective on the date posted at the top of this page. Your use of the Site following these changes means that you accept the revised Notice.