SMS Privacy Policy

At Ohio Valley Community Federal Credit Union, we value your privacy and are committed to protecting your personal information. This SMS Privacy Policy explains how we collect, use, and share personal information when you opt in to receive text messages from us. This policy is part of our broader and applies specifically to our SMS programs.

What Personal Information Is Collected

When you opt in to receive SMS messages from OVCFCU, we may collect the following personal information:

• Phone Number: The mobile number you provide to receive text messages.
• Consent Details: Information about how and when you opted in (e.g., via a website form, keyword, or account agreement).
• Message Interactions: Responses you send (e.g., “HELP,” “STOP”) and any content you provide via SMS (e.g., replies to account inquiries).

We may also link your phone number to existing member data, such as your name or account number, to personalize and deliver relevant messages.

How Personal Information Is Used

We use your personal information to:

• Send you SMS messages based on your opt-in preferences, such as:
• Account alerts (e.g., balance updates, payment reminders).
• Transactional notifications (e.g., fraud alerts, loan status updates).
• Responses to your inquiries (e.g., branch hours, account support).
• Verify your identity for security purposes (e.g., two-factor authentication).
• Process your opt-out requests or requests for assistance (e.g., replying to “STOP” or “HELP”).
• Improve our SMS services by analyzing engagement (e.g., delivery success rates).

Message frequency may vary depending on your account activity or the nature of your inquiry (e.g., 1-2 messages per inquiry for support-related texts).

Who Personal Information Is Shared With

We may share your personal information with:

• Service Providers: Trusted vendors who assist us in delivering SMS messages (e.g., SMS platform providers like Twilio or RingCentral). These providers are contractually obligated to protect your data and use it only for the purposes we specify.
• Legal or Regulatory Authorities: When required by law, regulation, or to protect the safety and security of our members and systems.

SMS Consent Non-Sharing Commitment: SMS consent is not shared with third parties or affiliates for marketing purposes. Your decision to opt in to our SMS program is specific to OVCFCU and will not result in your phone number being shared with other organizations or our affiliates for promotional activities.

Your Rights and Choices

• Opt-Out: You may stop receiving SMS messages at any time by replying “STOP” to any message. Upon receiving your opt-out request, we will cease sending further messages unless you opt in again.
• Help: For assistance, reply “HELP” to any message or contact us at 1-800-688-2408 or support@ohiovalleycu.org.
• Data Rates: Message and data rates may apply based on your mobile carrier plan.

Security of Your Information

We use industry-standard security measures to protect your personal information from unauthorized access, loss, or misuse. However, no method of transmission over the internet or mobile networks is 100% secure, and we cannot guarantee absolute security.

Changes to This Policy

We may update this SMS Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on this page with a revised “Last Updated” date. We encourage you to review it periodically.

Contact Us

If you have questions about this SMS Privacy Policy or how we handle your personal information, please contact us at:

• Phone: 1-800-688-2408
• Email: support@ohiovalleycu.org
• Mail: OVCFCU, 52775 Boston Hill Rd Clarington, OH 43915

Last Updated: April 1, 2025