Online Services Privacy Policy
Zing Credit Union recognizes and respects the privacy of its members and other users of its website resources. We are committed to protecting information on and within our website resources with the same safety and confidentiality standards utilized in all Zing Credit Union transactions and interactions.Zing Credit Union is committed to making financial products and services available that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union.As a member of our credit union, you are also responsible for safeguarding your financial information.
General Use: As a general policy, Zing Credit Union does not automatically collect personal information from users of its website resources. Zing Credit Union does collect and store information on the domain a user uses to access its website resource, the Internet address of the website from which a user links to the credit union’s website resource and the date and time of the visitor’s visit to the credit union’s website resource. This information measures the number of visitors to its resource and the route a user travels while within the credit union’s website resource to serve website users better and improve design and site navigation.
Online Forms: Zing Credit Union provides several online form resources (i.e.: loan application, new account application, contact forms) to better serve the needs of its members. Personal information provided by a user via any of the credit union’s online forms is used by Zing Credit Union only to process the member’s request for service. If the user is concerned about the security of transmitting this information via the Internet, the user is encouraged to contact the credit union directly at 303-573-1170 or transmit the information via another resource.
Email Communication: Personal information transmitted to Zing Credit Union may be used by credit union staff to respond to inquiries for service or information or improve the service the credit union provides. Since email communication may not be secure against interception by unauthorized individuals, users may want to seek alternatives to email, like secure messaging available within online and mobile banking, when it is necessary to provide sensitive or personal information. Likewise, the credit union will not transmit sensitive or personal information that can compromise or violate a user’s privacy when communicating via e-mail, unless sent securely where the email is encrypted.
Chat: Zing Credit Union may provide real‑time chat features, secure chat, or automated chat tools to assist members with questions, support, and account‑related interactions. By using any Zing Credit Union chat service, you agree to use it only for lawful, respectful, and appropriate purposes consistent with your relationship with the credit union.
When using chat services, you agree not to:
Defame, abuse, harass, threaten, or violate the rights or privacy of others.
Share or transmit inappropriate, obscene, unlawful, infringing, or offensive content.
Upload or send any material containing viruses, corrupted files, or malicious code.
Impersonate another person, misrepresent information, or remove or alter legal notices.
Advertise or solicit products, services, or promotions unless the chat specifically permits it.
Conduct surveys, contests, chain letters, or similar schemes.
Collect or attempt to collect personal information about others without their consent.
Violate any applicable laws or regulations.
Zing Credit Union is not obligated to monitor chat activity; however, we may:
- Review, moderate, or remove chat content at our discretion.
- Terminate access to chat services at any time without notice.
- Disclose chat information when required to comply with law, regulation, legal process, or governmental request.
For your protection, do not share sensitive personal information (such as full account numbers, Social Security numbers, or passwords) in chat unless the conversation is conducted within a secure, authenticated channel.
Video Banking: Video banking allows you to communicate with Zing Credit Union representatives through real‑time video. When participating in video banking:
- You consent to the use of audio and video during the session.
- Zing Credit Union may verify your identity visually as part of authentication and security procedures.
- Video sessions can be recorded.
- You must not display inappropriate, unlawful, threatening, or offensive content on camera.
- You must ensure your environment does not expose sensitive personal information that you do not intend to share.
Co‑Browsing Disclosure: Co‑browsing allows a Zing Credit Union representative to view your active website session to provide support. During co‑browsing sessions:
- Representatives can only see the specific browser tab or page you authorize.
- Representatives cannot view unrelated tabs, desktop files, notifications, or content outside the co‑browsing window.
- Representatives may highlight or guide navigation but cannot control your device unless explicit consent is provided.
- You may end the co‑browsing session at any time.
- You agree not to display unlawful, harmful, or inappropriate content during the session.
SMS/Text Communications
Zing Credit Union may send SMS messages for account alerts, security notifications, two‑factor authentication, marketing messages (if opted‑in), and general communication. By using Zing Credit Union SMS services, you agree to follow all applicable laws and the conditions listed below as well as what is included in your account disclosure and membership and account agreements.
SMS messages should be used only for receiving authorized Zing Credit Union alerts, responding to secure prompts, or communicating as directed by the credit union.
You agree not to use SMS services to:
- Send harmful, abusive, defamatory, or unlawful messages.
- Distribute malware, phishing links, or fraudulent content.
- Misrepresent your identity or impersonate Zing Credit Union or any other person.
- Harvest phone numbers or attempt to collect personal information from others.
- Engage in unauthorized commercial activity, promotions, or solicitations.
Zing Credit Union may:
- Suspend SMS communications to any number engaging in prohibited activity.
- Discontinue SMS services or messages at any time without notice.
- Disclose SMS information when required by law, regulation, or legal process.
- Zing Credit Union will never request full account numbers, full Social Security numbers, passwords, or PINs via SMS. Members should avoid sending sensitive information by text message unless explicitly directed to a secure channel.
Website Links: As a courtesy to our members, we may provide links to other related websites that we feel may be of interest or use to you. We assume no responsibility for the availability or content of these sites. The addition of any of these links is not to be construed as an endorsement of any services offered by these sites.
Cookies: Zing Credit Union uses small text files called cookies to collect anonymous data for purposes as allowed by law, including improving our website, services and information security. Our cookies do not collect or store any personally identifiable information.
We may share this information when required by law and with service providers who assist Zing Credit Union with tracking website usage.
Zing Credit Union uses Google AdWords and Google Remarketing to advertise Zing Credit Union across the internet. AdWords Remarketing will display relevant ads tailored to you based on what parts of the Zing Credit Union website you have viewed by placing a cookie on your machine. THIS COOKIE DOES NOT IN ANY WAY IDENTIFY YOU OR GIVE ACCESS TO YOUR COMPUTER. The cookie is used to say, “This person visited this page, so show them ads related to this page.” Google AdWords Remarketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to you. To disable Google cookies, please visit Google’s Ads Settings. Zing Credit Union also uses “pixel tags” (also called “action pixels,” “web beacons,” or “clear gifs”) and/or JavaScript plug-ins, placed on our website. These tags and plug-ins are small graphic images or code on a website which are used for such things as recording web pages and advertisements clicked-on by a user, or for tracking the performance of marketing campaigns or elements of the website. We also work with third-party service providers to help us track, collect and analyze this information.
Privacy of Children: This site is not directed to individuals under the age of 13, and we request that these individuals do not provide personal information through the site. We do not knowingly collect information from children under age 13 without parental consent. Visit the Federal Trade Commission at www.ftc.gov for more information about the Children’s Online Privacy Protection Act (COPPA).
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Zing Credit Union Website, you warrant to Zing Credit Union that you will not use the Zing Credit Union Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Zing Credit Union Website in any manner which could damage, disable, overburden, or impair the Zing Credit Union Website or interfere with any other party’s use of the Zing Credit Union Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Zing Credit Union Websites.
Information Collected while using our Mobile App: While using our application, you may be asked to enable the following access.
You can disable access for these permissions in your device settings at any time.
| Permission to access and collect information from your device’s | What data is collected | How the data is used |
|---|---|---|
|
Camera |
Photos and images when using the Mobile Check Deposit function or when using membership and loan applications. |
Images are captured when you use the Mobile Check Deposit funtion. Images are captured when required to provide identification on account and loan applications. |
|
Photos/Images |
Photos/Images from your mobile device camera are accessed when you use Mobile Check Deposit or when using online account or lending applications. |
Images are utilized and will be uploaded to Zing Credit Union’s servers or service provider’s server to process mobile check deposits or applications. |
|
Location |
Device location data |
Location data is used to enable the search for branches and ATM locations near you. |
|
Access to Storage |
Allows access to files/media on the device including SD card contents. |
Storage access is used when downloading estatements to your device or for secured messaging attachments |
|
Phone State |
Allows access to information about the user’s device for defice identification. |
Network connections, wi-fi connections and biometrics hardware often for multi-factor authentication. |
|
User IDs |
Allows access to username and customer identification number. |
User IDs are used for customer service support, and for marketing purposes. |
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TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
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