Website Privacy Statement
Last Modified: October 1, 2024
VisiFI is committed to protecting Personal Data and complying with applicable privacy requirements in a trustworthy, translucent, and conscientious manner.
VisiFI understands the sensitive nature of your personal information and thus offers this Privacy Statement to communicate our policies related to any personal data that might be captured through this website (the “Site” or “website”). This “Privacy Statement” describes the practices of VisiFI, a Deda Company, including its subsidiaries and affiliates (collectively, “VisiFI”, “we”, “us”, or “our”) and the rights and choices available to individuals, regarding personal data.
Personal data means any information that relates to an identifiable individual. This statement details the information we may collect from you or that you may provide when you visit our site and our practices for collecting, using, maintaining, protecting and disclosing information. Please read this statement carefully to fully understand our practices and how we manage personal information. Should you disagree with our policies, you should not continue using the Site. By accessing or using the Site, you agree to this Privacy Statement, including the collection and use of information in accordance herewith. In addition, we retain the right to update or modify this Privacy Statement at any time, without prior notice. Your continued use of the Site after we make changes is deemed to be acceptance of those changes, so we encourage you to review this policy whenever you visit the Site.
Who is VisiFI?
VisiFI, together with its affiliates Dedagroup North America, Inc. and Innovative Technology, Inc., (collectively, d/b/a “VisiFI”) have consolidated the unique strengths of three experienced and proven industry leaders, blending technology, people and processes to form VisiFI.
VisiFI’s API-first development and integration approach provides flexible and scalable solutions for credit unions and community banks to compete and grow. Our multi-faceted financial services, from core to digital banking, account opening, digital lending, cybersecurity, AI, and more, empower financial institutions for growth and efficiency.
How Does VisiFI Collect and Use Personal Information Through this Site?
VisiFI may collect the following types of information about visitors to the Site:
Personal Disclosure: Personal information is information by which you may be personally identified, including, but not limited to, your name, your company’s name, your personal or company email address or other direct contact information (“Personal Information”). VisiFI may provide you the opportunity to request information, access secure areas of the Site or attend webinars or other company events, in the process of which you may voluntarily share Personal Information with VisiFI. In addition, Personal Information may be collected through email communications with you. In all cases, you submit this information voluntarily and at your discretion. Personal Information will be used and disclosed as reasonably necessary to meet your needs and respond to your requests.
Electronically Generated: When visiting the Site, we may deploy cookies (See Cookie Usage Statement) to collect information related to your usage of the site. Although this data does not typically include individual personal data, some countries may consider this to constitute Personal Information under their applicable laws.
Personal Information from Third-Party Sources: VisiFI may occasionally receive Personal Information about you from credible third-party sources.
How Does VisiFI Use Your Personal Information?
VisiFI may utilize personal information for the following applications:
For Marketing and Website Applications: Personal Information may be used to grant access to interactive or secure website content, to participate in company sponsored events such as webinars or virtual focus groups, or for other activities that require personal registration. If you do not wish to receive these types of communications, you may respond to the “Opt Out” process within the marketing piece received. You may opt-out of communications at any time by following the “Opt Out” process in communications received.
For Follow Up: Personal Information may be used to deliver website content, to fulfill information requests related to our products and services, or for any other purpose as requested by you.
For Contract Management: Personal Information may be used to send notices and alerts including expiration and renewal of services, and to carry out our obligations and enforce our rights related to existing contracts, including billing and collections.
For Notifications: Personal Information may be used to distribute announcements related to products or services offered by VisiFI or our third-party partners.
For Any Other Purpose: With your prior consent.
How is Your Personal Information Disclosed?
VisiFI may disclose Personal Information under the following circumstances:
According to this Privacy Policy: Within the terms outlined in this policy.
In Aggregated Form: Without restrictions
To Subsidiaries and Affiliates: Entities in which VisiFI owns or has joint ownership, or any person or entity which controls VisiFI, is controlled by VisiFI or is under common control with VisiFI.
Third-Party Companies: VisiFI may disclose Personal Information about you to third-party contractors, service providers and partners who provide valuable services for VisiFI. All third-party service providers are bound by non-disclosure agreements limiting the use and disclosure of Personal Information to those parties allowed within the agreement and are required to use a reasonable degree of care to safeguard the information.
At times, VisiFI may choose to promote third-party advertisers on the Site or provide links to other sites that are deemed relevant for our visitors. Although we do not disclose your Personal Information for this purpose without your consent, VisiFI does not control your disclosure of Personal Information to a third-party advertiser after you click on an advertising link or interact with the advertiser in any manner.
While we make every reasonable attempt to protect your information through our contract negotiations, VisiFI is not responsible for the privacy practices of any third party, and this privacy notice does not apply to such third party’s websites, mobile applications, or other content. We do not guarantee, approve, or endorse any information, material, services, or products contained on or available through any linked third-party website, mobile application, or other content.
To a Buyer or Successor: In the event VisiFI is party to a merger, divestiture, reorganization, consolidation, dissolution or sale of substantially all of VisiFI’s shares or assets.
To Comply with Legal Requests: VisiFI may be required to disclose your Personal Information to comply with laws, regulations, court orders and lawful instructions from regulatory and government agencies, where we believe disclosure is necessary.
Enforcement: To enforce or apply our terms of use and other agreements, including for billing and collection purposes.
Children Under the Age of 13: VisiFI will not knowingly collect any Personal Information from or about individuals under 13 years of age. Please do not submit such information to us, and as a parent or legal guardian, please do not allow your children to submit Personal Information without your permission.
Use of Cookies and Online Information: VisiFI uses “cookies” and similar tracking technology to collect and use information about you and the device you use to access the Site. In some countries, including countries in the European Economic Area and the UK, this information may be considered Personal Information (or “personal data”) under applicable data protection laws. For further information about the types of cookies we use, why, and how you can control cookies, please see our Cookie Usage Statement.
Data Security: To protect your Personal Information from accidental loss and unauthorized access, use, alteration, and disclosure, VisiFI maintains physical, electronic, and procedural safeguards, and requires those to whom we disclose Personal Information (including our employees and service providers) to do the same. The measures we use are designed to provide a level of security appropriate to the risk of processing Personal Information.
Although we do our best to secure your Personal Information, we cannot guarantee its security. Any transmission of Personal Information to the Websites is provided at your own risk. We are not responsible for circumvention of any privacy and security measures. You are also responsible for data security. If you have log in credentials to access certain parts of the Websites, you are responsible for keeping those credentials confidential. You are responsible for the security of your devices and internet connections.
Your California Privacy Rights:
California Civil Code Section § 1798.83 permits users of our Site who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to [email protected] or write us at 22 Inverness Circle, Birmingham, Alabama 35242.
If you are a California resident, you have the rights listed below. However, these rights are not absolute, and we may decline your request as permitted by the CCPA.
Applicability of This California Privacy Policy
This California Privacy Policy applies to personal information we collect from California residents:
- on or through the Websites,
- in email, text, or other electronic messages between you and the Websites,
- through mobile and desktop applications you download from the Websites which provide dedicated non-browser-based interaction between you and the Websites, and
- when you interact with VisiFI advertising and applications on third-party websites and services, if those advertising and services are actually VisiFI advertising and applications and correctly include links to our Privacy Policy.
Information: You can request the following information about how we have collected and used your Personal Information during the past 12 months:
- the categories of personal information we collected about you,
- the categories of sources for the personal information we collected about you,
- our business or commercial purpose for collecting or selling that personal information,
- the categories of third parties with whom we share that personal information,
- the specific pieces of personal information we collected about you (also called a data portability request), and
- if we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
- sales, identifying the personal information categories that each category of recipient purchased, and
- disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
Deletion: You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
Nondiscrimination: You are entitled to exercise the rights described above free from discrimination. This means that we will not penalize you for exercising your rights by taking actions such as by denying you goods or services, increasing the price/rate of goods or services, decreasing the service quality, or suggesting that we may penalize you as described above for exercising your rights. However, the CCPA allows us to charge you a different price or provide a different service quality if that difference is reasonably related to the value of the Personal Information, we are unable to use.
How to exercise your rights/Access: You can request to exercise your information, access and deletion rights via:
877-847-4346
Identify verification: The CCPA requires us to verify the identity of the individual submitting the request before providing a substantive response to the request. A request must be provided with sufficient detail to allow us to understand, evaluate and respond. The requester must provide sufficient information to allow us to reasonably verify that the individual is the person about whom we collected information. A request may also be made on behalf of your child under the age of 13.
Authorized agents: California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
Sale of Personal Information: We do not sell your Personal Information to third parties as defined in the CCPA.
European Economic Area (EEA) and UK:
Our “legal basis” is in accordance with applicable legislation (EU Reg./679 of 27 April 2016, General Data Protection Regulation, “GDPR”) for collecting and using the Personal Information described above. We will normally collect or otherwise process Personal Information from you only (i) where we need to process the information to perform a contract with you, (ii) where the processing is in our legitimate interests and not overridden by your rights, (iii) where we have a legal obligation to process the information, (iv) where we need to process the information to protect your vital interests or those of another person or (v) where we have your consent to do so. If we ask you to provide Personal Information to comply with a legal requirement or to enter into a contact with you, we will make this clear at the relevant time and advise you whether the provision of Personal Information is mandatory or not (as well as of the possible consequences if you do not provide Personal Information).
If we collect and use Personal Information about you in reliance on our legitimate interests (or those of any third party), this interest will normally be to operate the Site and communicating with our customers as necessary to provide our services and for our legitimate commercial interest, for instance, when responding to your queries, improving the operation or security of the Site, understanding (through analytics) how our Site is used, undertaking marketing, or for the purposes of detecting or preventing fraudulent, abusive or illegal activities. We may have other legitimate interests and if appropriate, we will make clear to you at the relevant time what those legitimate interests are. If you have questions about or need further information concerning the legal basis on which we collect and use Personal Information about you, please contact us using the contact details provided under the “How to contact us” heading below.
Changes to Our Privacy Policy
It is our policy to post any changes we make to our Privacy Policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you through a notice on the Website home page. The date the Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this Privacy Policy to check for any changes.
Cookie Usage Statement
VisiFI uses cookies to enable users to get a custom visit on their hosted websites. Whenever a user returns to one of these websites, the browser sends back these cookies to allow the user to be provided a simple, faster personalized browsing experience by avoiding the repetition of certain steps, such as data entry, during subsequent visits.
VisiFI does not store personal identifying information (such as addresses and passwords) in the cookies used.
The categories of cookies typically collected, and their purposes, are set out below.
- Technical and necessary cookies: Technical cookies are only used “to send a communication via an electronic communications network, or to the extent strictly necessary to the Company’s service provider explicitly requested by the contracting party or the user to provide the service in question” (cf. Article 122, para. 1, of the Code). These cookies do not collect personal information and are not for commercial purposes. Therefore, they do not require the user’s consent.
This type of cookies includes:
Browsing/session cookies: These are cookies fundamental to browsing the site and using all its features, such as session maintenance and access to reserved areas. They are strictly necessary, as without them it would not be possible to provide the requested services.
Analytics cookies: They collect and analyze information on the use of the site by visitors (pages visited, number of accesses, time spent on the site, etc.), assessing performance and measuring its “traffic” to optimize site management. For analytics cookies to be comparable with technical cookies, they must be anonymized, be used solely to produce aggregate statistics and the third parties that provide the Publisher the Web measurement service must refrain from combining such analytics cookies with other processing (customer files or statistics regarding visits to other sites, unless such domains or websites are attributable to the same entrepreneurial group) or from transmitting them to third parties.
Functionality cookies
They allow users to browse the site according to a series of selected criteria (e.g., language) so as to provide them with the best possible browsing experience. The information gathered by this type of cookies is in anonymous form. The site functions optimally if technical cookies are enabled.
- Preference cookies
Preference cookies allow the website to store information such as the layout or users’ location.
- Other statistics
Statistical cookies allow publishers to understand how users interact with their sites by conveying information in anonymous form. They are distinct from those strictly necessary to measure the site’s performance and functionality.
- Marketing cookies
Marketing (or profiling) cookies attribute specific recurring actions in the browsing of the sites to identified or identifiable users and allow publishers to create an increasingly personalized site browsing experience, as well as to send advertising messages in line with the preferences expressed by the user on the Internet.
Instructions and links to guides for managing cookies in the main desktop browsers are provided below:
Microsoft Windows Explorer:
http://windows.microsoft.com/it-it/windows-vista/block-or-allow-cookies
Google Chrome:
https://support.google.com/chrome/answer/95647?hl=it&p=cpn_cook
Mozilla Firefox:
https://support.mozilla.org/it/kb/Gestione dei cookie
Apple Safari:
http://www.apple.com/legal/privacy/it/cookies/
Opera:
http://help.opera.com/Windows/10.00/it/cookies.html
