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Bay Federal Credit Union Children's Online Privacy Protection Act Policy



The Children’s Online Privacy Protection Act (“COPPA”) was signed into law on October 21, 1998. COPPA prohibits unfair or deceptive acts or practices in collection, use, or disclosure of personally-identifiable information from or about children under the age of 13 on the Internet. The primary goal of COPPA is to place parents in control over what information is collected from their young children online. This Policy describes why, when, and what personally-identifiable information we may collect about children through our website. Please review this Policy carefully and contact us with any questions at:

Bay Federal Credit Union
3333 Clares Street
Capitola, CA 95010

831.479.6000 or 888.4BAYFED

Why Do We Collect Information?

Occasionally, we may collect personally-identifiable information from children for the purpose of contest notification. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents. We do not collect any more information than is reasonably necessary for a child to participate in an activity. The personally-identifiable information we collect will not be not shared or sold to third parties for any reason.

When and What Information Do We Collect?

The information is collected directly from the child and may include name, e-mail address, home address, telephone number, hobbies, or opinions. Our website does not permit a child to make his/her personal information publicly available.

Notice to Parents

In addition to the posting of this Policy, we make reasonable efforts to provide “direct notice” to parents about our practices with regard to the collection, use, and disclosure of personal information about their children. To do so, we collect parents’ online contact information from the child and the name of the child and of the parent in order to obtain a parent’s consent. We obtain verifiable parental consent before any further collection or use of personal information from children. If we make a material change to our practices that a parent has previously consented to, we make reasonable efforts to provide “direct notice” to the parent and we obtain verifiable parental consent to the change.

Parental Rights

Parents may request to review the child’s personal information, ask to have it deleted, and refuse to allow any further collection or use of the child’s information at any time. For such requests, e-mail marketing@bayfed.com or call 831.479.6000, extension 313, or write to: Bay Federal Credit Union, Attention: Marketing Department, 3333 Clares Street, Capitola, CA 95010.

Confidentiality and Security

We maintain procedures to protect the confidentiality, security, and integrity of personally-identifiable information collected from children, and minimize what we collect in the first place. We keep the personal information only as long as necessary for the purpose for which it was collected and we securely dispose of it once we no longer have a reason for retaining it.

Online Safety Basics

Here are some basics to keep in mind when your children are online:

  • Use the parental controls available on the commercial online services. These services screen public content and provide online hosts to monitor chat rooms. Check into filtering software to screen out adult sites on the Web.
  • Consider placing the computer in a “family room” in your home and make use of the Internet a family activity. Check the screen periodically and let your children know that you are interested in what they are learning online.
  • Ask your children where they go online, and have them show you. If your children are more familiar with the Internet than you are, let them teach you about it, you will both enjoy the lesson!
  • Monitor online time. Be aware of excessive hours on the Internet.
  • Make sure your children are aware of online rules. They should know never to give out their real name, address, and/or telephone number, or agree to meet with someone person to person. Advise your children that some people on the Internet conceal their real age and identity. Create a list of online rules and post them by the computer.
  • Monitor your telephone bill. Adult Bulletin Board Systems are easy to access by any communications software. Check out any unfamiliar numbers on your bill.
  • Support and encourage your child’s use of the Internet, and participate in new learning experiences. Acquaint yourself with their online pals and e-mail habits. Be aware of correspondence with strangers.
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