Short Code SMS Privacy Policy

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Don’t Just Take Our Word For It

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Jason Whitsell

CIO

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Erin Johnston

VP of Product Change

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Travis Frey

CIO

We hear you. We are you.

We're credit union people helping credit unions. With over 200 years combined experience working for credit unions, the credit union industry is part of our DNA. We know the frustrations caused by poor service from a vendor that is felt by your membership. As a CUSO, we know that you deserve the same level of service you provide your members. We're ready to partner with you to make that happen.

who we are

Mahalo Banking - SMS short code privacy policy

Effective June 1st, 2025

Mahalo Banking is committed to protecting your privacy. This policy outlines how we manage the information associated with our
SMS-based MFA services delivered on behalf of your credit union.

Information Collected
When you use your credit union’s digital banking platform and receive MFA codes via SMS, we collect limited technical data:

- Your mobile phone number (provided by your credit union),
- Timestamp of message delivery
- Delivery success or failure status.

We do not collect, store, or transmit names, Social Security Numbers, account numbers, or OTP message content.

How We Use the Information
The information is used exclusively to:

- Deliver one-time passcodes (OTP) for secure login,
- Monitor system performance and message delivery,
- Support fraud prevention and system troubleshooting.

We do not use SMS data for marketing or advertising. We do not sell or share your phone number or SMS data with third parties.

Data Retention
Delivery metadata is retained only as long as necessary for compliance, fraud prevention, and technical analysis. OTP content is not stored by Mahalo Banking.

Your Rights
If you wish to update or remove your mobile number, or if you have questions about how your information is handled, please contact your credit union directly.

Contact
For privacy-related concerns or assistance with SMS delivery, please contact your credit union or visit Mahalo Support through your online banking portal.