If you suspect fraud or need assistance, our security team is available 24/7.
At International Credit Union, we are committed to protecting the privacy, confidentiality, and security of your personal information and maintaining your trust in our banking, financial, and digital services. We collect personal data including, but not limited to, your full name, date of birth, identification details, contact information, financial records, transaction history, credit information, employment details, device and technical data, usage information, communication records, and any other information necessary to provide our services. This information may be collected directly from you through account applications, transactions, communications, website and mobile app usage, or indirectly from credit bureaus, regulatory authorities, identity verification services, employers, or authorized third parties. We use your personal data to open and manage accounts, process transactions, provide loans and investment services, verify your identity, comply with Know Your Customer (KYC) and anti-money laundering regulations, assess creditworthiness, prevent fraud, manage risk, improve our services, respond to inquiries, send service-related communications, and, where permitted by law, provide marketing and promotional materials, which you may opt out of at any time. We process your information based on contractual necessity, legal obligations, legitimate business interests, and, where required, your consent. We do not sell your personal information; however, we may share it with trusted service providers, payment processors, IT vendors, auditors, credit reporting agencies, regulators, law enforcement authorities, courts, and other entities when required by law or in connection with mergers, acquisitions, or corporate restructuring, and all such parties are required to maintain appropriate confidentiality and security standards.
We implement comprehensive administrative, technical, and physical safeguards including encryption, secure servers, multi-factor authentication, access controls, monitoring systems, and regular security audits to protect your data, though no system can guarantee absolute security, and customers are encouraged to protect their credentials and notify us of suspicious activity. We retain personal information only for as long as necessary to fulfill contractual and legal obligations, resolve disputes, enforce agreements, and meet regulatory retention requirements. Where data is transferred internationally, we ensure appropriate safeguards are implemented in accordance with applicable data protection laws. Subject to local regulations, you may have the right to access, correct, update, restrict, object to, or request deletion of your personal information, withdraw consent where processing is based on consent, request data portability, or lodge a complaint with a relevant supervisory authority. Our website and mobile applications use cookies and similar technologies to enhance user experience, improve performance, analyze usage patterns, strengthen security, and deliver relevant content, and you may manage cookie preferences through your browser settings. Our services are not intended for minors unless permitted by applicable law, and we do not knowingly collect personal data from children without proper authorization. This Privacy Policy may be updated periodically to reflect legal, regulatory, or operational changes, and any updates will be published with a revised effective date.
If you have questions regarding this policy or wish to exercise your privacy rights, you may contact our Data Protection Officer at International Credit Union , Stockton St San Francisco CA 94133-3816. Call no +1 (800) 555-2478, or support@internationalcu.com By using our services, you acknowledge and agree to the collection, use, and handling of your personal information as described in this policy.
These Terms and Conditions govern your access to and use of the products, services, websites, mobile applications, accounts, financial tools, and any related services provided by International Credit Union and by opening an account, accessing our digital platforms, or using any of our Services, you agree to be legally bound by these Terms as well as all applicable laws and regulations. You agree to provide accurate, complete, and up-to-date information when establishing or maintaining any account and to promptly notify us of any changes to your personal or financial information; you are responsible for maintaining the confidentiality of your account credentials, including passwords, PINs, security codes, and devices, and you accept full responsibility for all activities conducted under your account unless unauthorized access is reported in a timely manner.
We reserve the right to verify your identity, conduct credit assessments, and perform compliance checks in accordance with applicable laws including anti-money laundering and counter-terrorism financing regulations. You agree to use our Services solely for lawful purposes and not to engage in fraudulent, abusive, unauthorized, or illegal activities, including attempts to interfere with system security, gain unauthorized access, or misuse financial products.
All transactions are subject to verification and acceptance by us, and we may refuse, delay, block, or reverse transactions where permitted by law or where we suspect fraud, illegality, or breach of these Terms. Fees, charges, interest rates, and service costs applicable to your accounts or services will be disclosed in relevant product agreements or fee schedules and may be updated from time to time with appropriate notice as required by law; continued use of the Services after such notice constitutes acceptance of the revised terms. We may modify, suspend, or discontinue any Service, feature, or product at our discretion, subject to regulatory requirements, and we may amend these Terms periodically, with updated versions published through our official channels.
To the maximum extent permitted by law, we disclaim liability for indirect, incidental, consequential, or punitive damages arising from your use of the Services, including but not limited to losses caused by system interruptions, technical failures, cyberattacks, t hird-party service disruptions, delays in processing, or circumstances beyond our reasonable control, although nothing in these Terms excludes liability where such exclusion is prohibited by law. You acknowledge that financial markets involve risk and that investments, loans, and other financial products may fluctuate in value, and you accept responsibility for understanding the risks associated with any product before participation. We may rely on third-party service providers and partners to deliver certain aspects of our Services, and while we select providers carefully, we are not responsible for the independent actions of such third parties except as required by law.
Intellectual property rights in our websites, digital platforms, logos, trademarks, content, and systems remain exclusively owned by or licensed to International Credit Union , and you may not reproduce, distribute, modify, reverse engineer, or exploit such materials without prior written consent.
These Terms shall be governed by and interpreted in accordance with the laws of the applicable jurisdiction in which your account is held, and any disputes shall be subject to the exclusive jurisdiction of the competent courts or dispute resolution bodies in that jurisdiction unless otherwise required by consumer protection laws. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect
You may terminate your account or cease using our Services at any time subject to fulfillment of outstanding obligations, and we reserve the right to suspend or terminate accounts where there is breach of these Terms, suspected fraud, legal requirement, or prolonged inactivity.
By continuing to access or use our Services, you confirm that you have read, understood, and agreed to be bound by these Terms and Conditions in their entirety.