Canvas Credit Union Privacy Policy and Terms of Use
Last Updated December 1, 2023
This policy (the “Privacy Policy”) describes Canvas Credit Union’s (“Canvas”) collection, processing, transfer and storage of data from visitors to our online interface (i.e. website or mobile application) at https://myfuturehome.mymortgage-online.com (the “Website”) and any online interface linking to this Privacy Policy, as well as your obligations as a user of this Website.
For purposes of this Privacy Policy, the terms “we”, “us”, and “our” refer to Canvas; the terms “you”, “your” and “yours” refer to any natural person who accesses or uses this Website for personal, family, or household purposes.
OUR COMMITMENT TO YOUR PRIVACY
This Privacy Policy applies to information we collect:
On this Website;
In any email, text or other electronic messages between you and this Website.
It does not apply to any other information collected by:
Us offline or through any other means, including on any other website operated by Canvas or any third party (including our affiliates and subsidiaries); or
Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or through the Website.
This policy addresses:
How we collect, use, and share this information;
How you can secure your personal information and use the Website;
How you can access and update your personal information; and
The choices you can make about how we collect, use, and share your information.
Please read through this policy carefully to understand our policies and practices regarding your information and how we will treat it. By accessing or using this Website, you expressly consent to the collection, usage, and sharing of your information according to the terms of this Privacy Policy.
Please review our Consumer Privacy Notice for a comprehensive explanation of how we collect, use, and share your personal information, and your choices for limiting the use and sharing of your information as our member.
HOW WE COLLECT YOUR INFORMATION
Canvas collects information from Website visitors and also obtains information from third parties (including from service providers) in the course of providing our mortgage and loan origination services (our “Services”), which we may add to the data we obtain through the Website.
The information collected through this Website includes:
Personal and Loan-related Information. You may provide us information about you through filling out forms on the Website, which may include personal information and information relating to or necessary for the initiation, processing, or completion of certain financial transactions, including the issuance of loans. We may also ask for your information to register your account and create a login, or when you report a problem with the Website.
Transactional Information. We may also create transactional records of each of the transactions or other events occurring through our Website. This transactional information is generally collected (i) to enable our Services, including loan document creation, origination, management, and distribution, (ii) to enable the services provided by third parties (such as title or notary service providers) in connection with Services you request from Canvas and the related activities you perform on this Website, and (iii) to enable Canvas to comply with various legal obligations.
Device and Usage Information. Like most online services and applications, the Website automatically collects standard technical, non-personal information when you use it, including internet protocol (IP) addresses, browser types, internet service providers (ISPs), the pages and content you view or interact with on our Website, the information you search for, and the dates and times that you visit our Website.
Cookies and Other Technologies. The Website collects certain information through the use of “cookies” and other tracking technologies. Cookies are small files that your browser places on your computer. We may use session cookies, persistent cookies, and other tracking technologies to better understand how you interact with the Website, to monitor usage by our users and web traffic routing on our services, and to improve and personalize our Website. Many Internet browsers automatically accept cookies. You may be able to instruct your browser to stop accepting cookies or to prompt you before accepting cookies from the websites you visit; however, should you choose to do so, not all features of this Website may be functional for you. Google provides some additional privacy options relating to Google analytics, described at www.google.com/policies/privacy/partners/. We may also use web beacons, which are transparent graphic images on a webpage or within the body of one of our marketing emails, to allow us to measure visitor actions and assess the effectiveness of our email marketing campaigns. For example, we may use web beacons in our email marketing to track instances where a user clicks through a link in the email.
HOW WE USE YOUR INFORMATION
We and service providers working on our behalf use information collected on the Website in a variety of ways intended to provide the Website and Services to you and to operate our business, including the following:
To Provide our Services. We use the information that we collect (i) to operate, maintain, enhance and provide our Website and our Services, (ii) to provide other services and information that you request from Canvas, and (iii) to provide customer support to you and other parties.
To Improve, Analyze, and Personalize our Website and Services. We use the information that we collect to understand and analyze usage trends and preferences; to monitor and analyze the effectiveness of our Website and Services; to improve our Website and Services and develop new products, services, features, and functionality; and to personalize our Website and Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our Website, or providing customized content and information.
To Contact You. We may use your email address or other information we collect to contact you for administrative purposes such as customer service or to send communications, including marketing or promotional communications, relating to the Website and Services.
Aggregate Data. We aggregate data collected through the Website and use it for purposes such as creating and sharing reports about the use of our products and services, including users’ interests, usage patterns, and trends.
Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored to you.
HOW WE SHARE YOUR INFORMATION
We do not sell your personal information. We may share, transfer, or disclose your information if you consent to us doing so, as well as in the following circumstances.
To Affiliates, Subsidiaries, and Service Providers. We may work with affiliates or subsidiaries, as well as third party service providers, to provide services including loan or transaction processing or administration; Website hosting and other similar services, development and maintenance; advertising and marketing services; and other services related to our Website and Services for us. These third parties may have access to or process your information as part of providing those services for us. Generally, we limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such information. These service providers are not permitted to use information we share that might identify you for any purpose other than to provide the Services to Canvas or to you.
In Aggregate Form. We may make certain aggregated non-personal information available to third parties for various purposes, including (i) compliance with various reporting obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding our users’ interests, usage patterns, and borrowing and loan origination trends.
Compliance with Laws and Law Enforcement; Protection of Legal Rights. We may disclose your information (including your personal information) to a third party if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process or governmental or regulatory request or examination, (b) to enforce our agreements, policies and terms of service, (c) to protect the security or integrity of our Website or Services, (d) to protect the property, rights, and safety of Canvas, our users or the public from harm or illegal activities, including exchanging information with other companies, financial institutions, and other organizations for the purposes of fraud detection and prevention and credit risk reduction, (e) to respond to an emergency which we believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations.
In Significant Business Transactions. Your information, including personal information, may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, or in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.
OUR POLICY CONCERNING CHILDREN
Our website is not directed to children under 13, and we do not knowingly collect any personal information from children under the age of 13 through our website. If we become aware that a child under 13 has provided us with personal information through our website, we will take steps to delete such information. If you are under the age of 13, please do not register, use, or provide any information on this Website or through any of its features.
PRIVACY POLICIES OF LINKED SITES AND ADVERTISERS
Our Website may contain links to other sites, as well as advertisements from companies linking to their own sites. We are not responsible for the privacy practices or the content of such sites. If you have any questions about how these other sites use your information, you should contact them directly.
SECURITY AND TERMS OF USE
Canvas has certain measures in place to maintain the security, confidentiality and integrity of the information gathered through the Website, and to help protect against the loss, misuse and alteration of such information. While we take measures to protect your personal information against security breaches and unauthorized access, we cannot guarantee that our safeguards will be effective all of the time against all security threats.
If you create an account on the Website, you agree to take every reasonable precaution to ensure the safety, security, and integrity of your account and information when using the Website. You agree not to leave your electronic device(s) unattended while logged into the Website and to log off immediately at the completion of each access session. You agree not to provide your username, password or other access information to any unauthorized person. If you permit other persons to use your electronic devices, login information, or other means to access the Website or Services provided thereon, you are responsible for any transactions they authorize or business they conduct, and we will not be liable for any resulting damages to you. We make no representation that any content or use of this Website is available for use in locations outside of the United States. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by Canvas.
You further agree not to use this Website or the content or information delivered through this Website in any way that would: (a) infringe any Canvas or third-party copyright, patent, trademark, trade secret or other proprietary rights or rights of privacy; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of this Website to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to this Website; (i) interfere with or disrupt the use of this Website by any other user; or (j) use this Website in such a manner as to gain, or attempt to gain, unauthorized entry or access to the computer systems or protected personal information of others.
You acknowledge and agree that if you use the Website in a manner prohibited by this section, Canvas may immediately suspend or terminate your access to this Website, and you agree to indemnify, defend, and hold harmless Canvas (and its service providers, agents, affiliates, representatives, employees, and officers) from any and all legal claims, losses, or damages (including reasonable attorney fees and expenses) which arise as a result of your misuse of the Website.
CHANGES TO OUR PRIVACY POLICY
From time to time, we may amend these terms and modify or cancel these terms or access to this Website without notice, except as may be required by law. If we make changes to this Privacy Policy, we will revise the “Last Updated” date at the top of the page. Any changes to the policy will become effective when we post the revised Privacy Policy on the website. Your use of the website following these changes means that you accept the revised Privacy Policy.
HOW TO ACCESS AND UPDATE YOUR INFORMATION
You can access and update the information that you have provided to us as follows:
If you are an existing Canvas member, you can access and update certain personal information in connection with your account or application through this Website.
You may contact us directly and request to review, amend or delete certain personal information collected by us through this Website. Please note that we may not be able to delete all information we collect through the Website.
If you register for an account on this Website, we may send you a confirmation email. We may also send emails containing documents relating to your mortgage loan application, closing disclosures, and other mortgage-related communications. This Website includes an E-Consent Agreement which governs any electronic signatures required in processing your information through your account via the Website. Should you consent to signing and receiving such communications electronically through your account, the terms and conditions of the E-Consent Agreement will govern your consent to, and receipt of, any electronic communication via this Website.
CONTACT US
If you have any questions, comments, or concerns regarding our Privacy Policy and/or practices, you may contact us via phone at (303) 691-2345 or via email at membercarecenter@canvas.org.
You may also mail us at:
Canvas Credit Union
P.O. Box 5238
Englewood, CO 80155