Privacy Policy

Our Privacy Policy

Your privacy is important to us and we value your trust. This Online Privacy Code (this "Code") describes the online privacy practices of Albert International Finance Bank Union, N.A. ("Albert International Finance Bank Union", "we" or "us") applicable to consumers who visit, use or interact with our online services.

Our "online services" include Albert International Finance Bank Union-branded websites, mobile applications ("mobile apps," including those for use on tablets), electronic communications (such as email messages) with you and digital advertising campaigns.

This Code explains the following:

1. How we collect your information

How we directly or through service providers (including advertising partners), may collect information: When you visit, use or interact with us through any of our online services; and Through our advertisements ("ads") displayed via online services operated by us or third parties; and

How we, directly or through our service providers (including our advertising partners), may use or share information collected via our online services, and associate this information with other information about you.

2. Consent

Consent: By visiting or using any of our online services, responding to any electronic communications we may send you, or clicking on one of our ads, you agree to this Code.

Check the Effective Date: This Code may be revised from time to time, so we encourage you to periodically check the current version available. If we revise this Code in a material way, we will change the "Effective" date shown at the top of this page and provide a conspicuous notice on our website before any changes take effect.

Important – Customers: If you have a financial product or service with us, we will use and share your personal information in accordance with the privacy notice that applies to your account. However, this Code may still be useful to you in describing our online services, and the options and choices described below are available to you as well.

3. What information do we collect?

We may collect personal information from you through our online services, directly or through our service providers. For example, you may provide us with your name, mailing address, phone number, email address, account number, date of birth and Social Security number (SSN) when you fill out an online form or survey, register, log into or update your account through our online services, register for a marketing offer or input financial or other information into one of our mobile apps.

When you obtain one of our products or services online, or register for or use one of our online services, we may ask you to provide information about a previous financial transaction with another company (e.g., the amount of your monthly payment to a third party), and use that information to verify your identity (using information obtained from a third-party information service).

4. Types of information we collect

When you visit or use any of our websites or mobile apps, view any of our electronic communications, or interact with one of our targeted ads, we may collect information from your computer(s) and your smartphone(s), tablet(s) or other mobile device(s) (together referred to as "mobile devices"). This information includes:

  • The make and model of the computer(s) or mobile device(s) you use to visit, use, view or interact with our online services, browser version, hardware and operating system;
  • Your mobile phone number, mobile country code, unique device identifier, mobile advertising identifier (assigned by your mobile platform), information about the screen size of your mobile device(s), the date and time of your device use, and other mobile device-related information;
  • Your Internet Protocol (IP) address and related information, such as your internet service provider and general location and MAC address;
  • Photos and contacts stored on your mobile device(s) (when enabled in your mobile device settings);
  • Your browsing habits on online services provided by us or third parties, such as search terms you entered on our websites, what websites and pages you visit, how long you stay and what actions you take;
  • Search terms that directed you to our websites and mobile apps, which websites you came from, and which websites you visit right after leaving one of our websites;
  • Which of our ads or other online content you view, access or click on; and
  • Any actions you take in response to electronic communications that we send to you, such as opening the message or clicking an embedded link.

Our service providers may also collect information about your browsing habits on online services offered by third parties and use it for the purposes described below. Third-party information

We may also collect information about you from additional online and offline sources, including our affiliates, credit reporting agencies and other third-party sources as permitted by law.

5. Protecting children's online privacy

Our online services are not intended for children under 13 years of age. We do not knowingly collect personal information from such children, or send them unsolicited promotions, without parental consent.

6. Visitors residing outside the United States

If you visit, use or interact with our online services, information about you and your computer(s) and mobile device(s) may be collected, stored, used and processed in and transferred to, from and within the United States. In such instances, applicable U.S. federal and state laws shall govern. If you are a non-U.S. resident, such laws may not provide the same level of protection as the laws of the country of your residence.

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