Goetz Credit Union
 

Text Messaging Privacy PolicyText Messaging Privacy Policy

This policy explains how Goetz Credit Union (“we,” “us,” or “our”) handles information when you enroll in our text messaging (SMS/MMS) program.

1. Data Collected

When you enroll in or use our text messaging services, we may collect:

  • Your mobile phone number and mobile carrier
  • Your opt-in and opt-out status, including the date, time, and method of consent
  • The content of messages you send us (for example, keyword replies such as BAL, HELP, or STOP)
  • Message delivery data, such as delivery status and timestamps
  • Account information needed to send the alerts you requested, such as balance, transaction, or fraud alert details

2. Data Usage

We use this information to:

  • Send the account alerts, security notifications, and servicing messages you requested
  • Verify your identity and help detect and prevent fraud
  • Respond to your text message requests
  • Keep records of your consent and communication preferences
  • Improve the reliability and quality of our messaging services
  • Comply with legal and regulatory requirements

3. Consent & Opt-In

Enrollment in text messaging is voluntary. You may opt in by [enrolling online / through our mobile app / by texting a keyword to 888-285-8754 / by providing your number on a form that includes consent language]. By opting in, you agree to receive the types of messages described at enrollment, which may include [account alerts, fraud alerts, payment reminders, and/or one-time passcodes].

  • Consent to receive text messages is not a condition of purchasing any product or service from us.
  • Message frequency varies based on your account activity and alert preferences.
  • Message and data rates may apply, depending on your mobile plan.
  • We keep a record of your consent as described in Section 7.

4. Opt-Out Instructions

You can stop receiving text messages at any time:

  • Reply STOP to any text message. You will receive one confirmation message, and no further messages will be sent unless you re-enroll.
  • Manage your alert preferences in [online banking / mobile app / account settings].
  • Call us at 816-232-8754 and ask to be removed from text messaging.

For help, reply HELP or contact us using the information in Section 9. Opting out of text messages does not affect other ways we may contact you about your accounts, such as email, mail, or phone.

5. Third-Party Sharing

Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and providers of the Text Message services.

We do not sell your mobile phone number or text messaging information. We may share information with service providers that help us deliver messages, such as messaging platform providers and mobile carriers. We may also share information when required by law or legal process, or to protect against fraud or security threats. These parties may use the information only to provide services to us.

6. Security Measures

We use administrative, technical, and physical safeguards to protect your information, including access controls, encryption of stored data where appropriate, employee training, and monitoring of our systems and vendors.

Standard text messages are not encrypted. Never send sensitive information (such as full account numbers, passwords, PINs, or Social Security numbers) by text. We will never ask you for this information by text message. If you receive a suspicious message that appears to be from us, do not click any links. Contact us directly using the information in Section 9.

7. Retention & Deletion

We keep text messaging data only as long as needed for the purposes described in this policy or as required by law.

  • Consent and opt-out records are kept after your relationship with us ends or you opt out, to demonstrate compliance with applicable regulations.
  • Message content and delivery logs are kept in line with our records retention schedule and legal requirements.
  • After the retention period, data is securely deleted or de-identified.

You may request deletion of your text messaging data as described in Section 8. Some information may be retained where we are legally required to keep it, or where it is needed to resolve disputes, prevent fraud, or enforce our agreements.

8. User Rights

Subject to applicable law, you may:

  • Access the text messaging information we hold about you
  • Correct inaccurate information, such as an incorrect mobile number
  • Opt out of text messaging at any time
  • Request deletion of your text messaging data, subject to the retention requirements above
  • Ask questions or file a complaint about how we handle your information

To exercise these rights, contact us using the information in Section 9. We may need to verify your identity before processing your request. Depending on your state of residence, you may have additional rights under applicable privacy laws.

9. Contact Information

Goetz Credit Union
1905 Howard Saint Joseph, MO 64501
Phone: 816-232-8754
Email: goetzcu@geotzcu.com
Web: www.goetzcu.com

We may update this policy from time to time. Changes will be posted at www.goetzcu.com with a revised effective date.