Wellby, your member-owned financial institution, is committed to providing a safe place to save and borrow money at very competitive rates. Wellby is equally committed to protecting consumers’ privacy.
This Online Privacy Statement applies to Wellby’s webpages, Wellby-branded social media sites, mobile applications, digital banking applications, and digital advertising campaigns, collectively referred to as a “digital property”.
The terms “Wellby,” “we,” “our,” or “us” refer to Wellby and any affiliates or subsidiaries based in the United States.
Information collected by Wellby during the application for or servicing of one of our products or services is also governed by Wellby’s Privacy Notice, which should be referenced for additional details on our privacy practices.
Wellby is a Houston-based financial cooperative serving a Houston DMA-based target market and beyond. In addition to the privacy practices described within this statement and the Wellby Privacy Notice, social media sites may have their own privacy policies that you should understand prior to using their services to interact with Wellby.
We are committed to transparency about your personal information. We ask for your consent when required, otherwise by using our Site and Mobile Apps, you consent to the collection, use and sharing of your personal information subject to and consistent with applicable laws and other notices you may have received based on your relationship with us.
We may provide links to non-affiliated third-party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated with or controlled by Wellby, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites and Mobile Apps. Wellby does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information.
To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third-party service providers to ensure personal information remains confidential and secure. In the event of a data breach, we provide timely notification, in accordance with applicable laws.
We also recognize the importance of protecting privacy where children are involved. Our Sites and Mobile Apps are not directed to individuals under the age of 13, and we request that these individuals do not provide personal information through our Sites and Mobile Apps. We do not knowingly collect personal information from children under 13. Please see our COPPA Privacy Notice and COPPA Direct Notice to Parents for more information.
Keeping your personal information accurate and up to date is very important. If your personal information is incomplete, inaccurate or not current, please use the Contact Us option on our Sites and Mobile Apps, or call or write to us at the telephone numbers or appropriate address for changes listed on your account statements, records, online or other account materials. You can also speak to a solution specialist at a solution center or our contact center.
We may use service providers and vendors to process personal information for business purposes on our behalf. Service providers and vendors are contractually obligated to comply with our policies to protect information we share with them or they collect on our behalf.
The personal information we collect is limited to what is required to provide our products or services and to support legal and risk requirements. For additional information, please review the How We Use the Information We Collect section below.
When using a Wellby digital property we may collect three categories of information about you:
Personal Information: We may collect personally identifiable information about you such as your name, address, phone number(s), email address, or other information that identifies you. This includes information you provide via applications, forms, subscriptions, contest entries, or other means of collection.
Non-public Information: Through your interactions with us, such as applying for a product or service, we may collect non-public information about you such as your Social Security number, tax identification number, driver’s license number, income, Wellby user name, Wellby password, occupation, or other types of non-public information.
Online Behavior: We may collect information about the Internet Protocol (IP) address of the device(s) you use to access Wellby’s digital properties; your operating system and browser type; referral website information; your digital property usage and page views; your social media preferences (e.g. likes, interests, profile, etc.); your geolocation; and aggregate or non-personally identifiable information.
These categories of information may be collected by Wellby, or by our third-party service providers, through use of various technologies, such as cookies, web beacons, pixel tags, or other technologies, to associate your online use of our digital properties and/or with offline personally identifiable information.
We may use information collected from a Wellby digital property to acquire additional information about you from our marketing partners or service providers. For example, when you submit an application for membership or for a financial product or service, we may use the Social Security number you provided online to access a consumer report which may contain a credit score and information about your creditworthiness to determine if you meet our underwriting guidelines.
When interacting with Wellby on a digital platform that is not owned by Wellby such as a social media site, never include sensitive personal or non-public information. Communications with Wellby about your application, membership, and accounts with us should only take place in a secure Wellby channel such as Wellby Online or Mobile Banking, or by phone with a Solution Center Specialist. Social media sites are not an appropriate place to conduct or discuss your financial transactions.
We may use the information we collect online and that which we pair it with offline to:
Wellby may disclose all the information collected, as described above, to companies that perform marketing services on behalf of Wellby or to other financial institutions with which Wellby has joint marketing or other contractual agreements. Wellby may also disclose nonpublic personal information about its members under other circumstances as permitted or required by law and as described in our Privacy Notice.
Wellby restricts access to non-public personal information about its members to Wellby employees and approved third parties working on our behalf who have a specific business purpose in utilizing member data. Wellby employees are trained in the importance of confidentiality and member privacy by maintaining physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard members' non-public personal information.
While Wellby is committed to protecting the privacy of its members and consumers, you can help safeguard personal information by following these simple guidelines provided as examples:
You are requesting, and Wellby is providing, a process whereby Wellby allows you to photograph or otherwise input the data from your physical Cards into a Wallet on a Device (“Service”). The card data is then encrypted and each card is assigned a unique reference number thereby making it a “Virtual Card,” which when used in combination with a transaction specific security code, can be transmitted to process your payment to a merchant. The number on the physical card is not included in the transaction.
The Wallet and the processing of Virtual Card transactions are services that are provided by third parties without any warranty from Wellby. You acknowledge that Wellby is not a party to the agreement between you and the Wallet provider or the Virtual Card processor. Wellby is not responsible for delay, interruption or other failure, maintenance, support, software issues, or any damages, including but not limited to product liability claims and regulatory matters.
Your Wellby Card is governed either by the Wellby terms and conditions for your deposit account, if your Card is a debit card, or by the Wellby terms and conditions for your credit card, if your Card is a credit card (your “Membership Agreement,” as applicable, which includes all disclosures and other agreements referenced by or incorporated into your Membership Agreement). If your Card is a debit card, your payment transactions using the Service are subject to all provisions governing debit card transfers in the Electronic Fund Transfer Disclosures in your Membership Agreement. These Terms supplement and are part of your Membership Agreement. If a discrepancy or inconsistency is determined to exist between these Terms and the Membership Agreement, these Terms shall control with respect to the Service, but only to the extent necessary to address the discrepancy or inconsistency.
If your Device is lost or stolen, your fingerprint identity, password or other authentication mechanism is comprised, or you have any reason to believe fraud or theft has or could be committed in relation to your Cards, you MUST notify Wellby IMMEDIATELY at (866) 692-9364 for Wellby Debit Cards or (800) VISA-911 for Visa Credit Cards. If you fail to do so, you may be liable for part or all of the losses in connection with unauthorized use of your Cards. You might want to consider activating any Device setting that assists you with finding a lost Device, designating the Device as lost or erasing data if it is confirmed to be lost. Don’t forget to delete your Wallet from your Device if you discard or replace your Device.
Wellby does not charge a fee for the Service. Your Device carrier may impose data, usage, text messaging or other third-party fees. You consent to receiving test messages, if necessary for Card validation.
Wellby may change these Terms at any time without notice to you. The most current version will be available on the Wellby website and you are bound by all revisions, so please review the Terms at tiaabank.com from time to time. Subject to applicable law, Wellby may terminate, modify or suspend this Service, change the eligibility of Cards or update the verification process.
Personal information collected from and about you online as described in this Notice is used and shared to deliver advertising and marketing, including prescreened offers of credit, which may be of interest to you.
We present tailored ads to you:
How We Tailor Ads to You
How You Can Opt-out of Online Behavioral Advertising
You have choices about how Wellby advertises to you based on your online behavior.
There is no standard for how "do not track" consumer browser settings should work for online advertising purposes. As such, we do not respond to browser "do not track" signals from browser settings. However, there are several opt-out options available to you:
Reminders After Opt-Out
Please note that if you opt-out of this advertising:
Some companies may offer aggregation websites and services that allow you to consolidate your account information from different sources (such as your accounts with us or with other financial institutions) so that you can view it in one location or perform actions related to your accounts using their services (a "Provider"). To do this, a Provider may request you to authorize access to your Wellby accounts by providing your Wellby username and passcode or by providing your information-sharing consent directly to Wellby.
Wellby engages with customers on social media platforms such as Facebook, Twitter, YouTube, and LinkedIn.
We may allow certain non-affiliated third-party widgets (for example social share buttons) on our sites that enable users to easily share information on another platform, such as a social media platform. The non-affiliated third parties that own these widgets may have access to information about your browsing on pages of our Sites and Mobile Apps where these widgets are placed.
Wellby will not be deemed to have accepted any electronic communication unless Wellby provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If Wellby sends any electronic communication, Wellby will assume the communication was received intact by the intended recipient. The recipient of such message must notify Wellby if the transmission was not received or was not received in a readable format.