Privacy Policy

1. Introduction

BrightStar Credit Union ("we," "our," or "us") is committed to protecting the privacy of participants in our Refer a Friend Program. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our referral platform.

2. Information We Collect

When you participate in the Program, we may collect the following information:

• Registration Information: Name, email address, phone number, date of birth, and zip code.
• Referral Activity: Referral codes used, referral history, share tracking, and reward status.
• Account Information: Login credentials, preferences, and dashboard activity.
• Technical Information: IP address, browser type, and device information for security and fraud prevention.

3. How We Use Your Information

We use the information collected to:

• Process referrals and deliver rewards.
• Verify membership eligibility.
• Communicate with you about your referrals, rewards, and account status.
• Prevent fraud and ensure program integrity.
• Improve our platform and services.

4. Information Sharing

We may share your information with:

• Gift Card Provider (Giftbit): Name and email address to deliver gift card rewards.
• Email Service Provider (Mailgun): Name and email address to send notifications.
• SMS Provider (ClickSend): Phone number for SMS notifications, if enabled.

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• All data transmission uses HTTPS/TLS encryption.
• Access to sensitive data is restricted to authorized personnel.
• Secure verification is used for account authentication.

6. Data Retention

• Account and referral data is retained for as long as your account is active.
• If you request account deletion, your personal data will be removed, though anonymized referral records may be retained for reporting purposes.

7. Your Rights

You have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your account and personal data.
• Opt out of non-essential communications.

To exercise these rights, contact us at marketing@bscu.org.

8. Cookies & Tracking

Our platform uses session cookies for authentication and security purposes. We do not use third-party advertising cookies or cross-site tracking. Share tracking is used solely to measure referral activity within the platform.

9. Children's Privacy

The Program is not intended for individuals under 18 years of age. We do not knowingly collect personal information from anyone under 18.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued participation in the Program after any changes constitutes your acceptance of the revised policy.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact:

BrightStar Credit Union
Email: marketing@bscu.org
Phone: 1-800-637-2728