Website Privacy Statement

VisiFI (“VisiFI” or “we”) 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”).  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?

Dedagroup North America, Inc., EPL, 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, the pre-eminent credit union service organization (CUSO) in the United States. VisiFI is a thought leader for fintech solutions, offering innovative approaches that enable credit unions across the country to compete more effectively in the ever-changing consumer finance market.

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. 

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.

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, 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 unauthorized access and use, 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.

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 info@visifi.com 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.

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 that we have collected.

The categories of sources from which we collected Personal Information.

The business or commercial purpose for collecting and/or selling Personal Information.

The categories of third parties with whom we share Personal Information.

Whether we have disclosed your Personal Information for a business purpose, and if so, the categories of Personal Information received by each category of recipient.

Whether we’ve sold your Personal Information; and, if so, the categories of Personal Information received by each category of recipient.

Access:  You can request a copy of the Personal Information that we maintain about you.

Deletion:  You can ask us to delete the Personal Information that we maintain about you.

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:  You may exercise your California privacy rights as follows:

You can request to exercise your information, access and deletion rights via:

Info@visiFI.com

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)

Our “legal basis” under EEA law for collecting and using the Personal Information described above will depend on the Personal Information concerned and the specific context in which we collect it.  However, 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.