This policy was last updated on December 1, 2016.
What Information We May Collect
When you use our Online Services, we may collect "Personal information," which is any information that can be used to identify a particular individual which can include traditional identifiers such as name, address, e-mail address, telephone number and non-traditional identifiers such as unique device identifiers and Internet Protocol (IP) addresses. We may collect personal information that you or other users give us (e.g., your contact details or your comments or opinions), allow us to receive either through your preferences in your devices (e.g., location data) or browser or from third parties such as social networks (e.g., your public profile information), or through use of our Online Services (e.g., the pages you visit).
We collect Personal Information about our users in several ways:
Personal Information You Provide to Us
Most of the Personal Information we receive comes to us voluntarily from our users in the course of using our Online Services. For example, Personal Information may be collected when you:
- Register or log in to our Online Services;
- Participate in activities available through our Online Services, such as a sweepstakes, contests, games, and promotional offers;
- Sign up for a newsletter;
- Provide information to our member service representatives or contact us through our Online Services;
- Use our message boards and other public forums available through our Online Services;
- Use any social networking features available through our Online Services and create a profile or share information about yourself;
- Apply for employment or a position online.
Personal Information Collected Via Technology
We use this technology and identifiers to better understand how you interact with our Online Services. In particular, we gather information on the date and time you connect or engage with our Online Services, the products you reviewed, the areas of our Online Services you interact with, and any referring or destination pages or websites.
In addition, collecting information such as device type allows us to optimize settings for your system remotely.
Personal Information We Receive From Others
We may receive Personal Information about users from third parties such as web analytics vendors, social media sites, law enforcement agencies, and marketing consultants.
This information supplements any information that we have collected directly from our users, and allows us to customize our Online Services to better serve you. Sometimes, we may receive Personal Information about people who are not yet users of our Online Services. Bay Federal Credit Union's policy is to treat all information obtained from third parties in the same manner that we treat information that we have collected ourselves.
Session Cookies. A “session cookie” is a temporary cookie that expires when you close your browser. A session cookie assigns a randomly-generated, unique identification number to your computer when you access this site. Assigning your computer a number facilitates the proper functioning of the features of our site by permitting us to maintain a persistent “state” for your session, such as maintaining the contents of an application for products or services you’ve begun to complete during a site visit.
Persistent Cookies. Unlike a session cookie, a “persistent cookie” does not expire when you close your browser. It stays on your computer until the expiration date set in the cookie (for example, at the end of a calendar month) or until you delete it. Persistent cookies can be used to “tag” your computer so that the next time you visit (or someone using your computer visits), our server will recognize you, not by name, but by the “tag” on your computer. This will enable us to provide you with a personalized experience even if we do not know who you are. It will also allow us to collect more accurate information about the ways people use this site, for example, how people use this site on their first visit and how often they return.
Web Beacons. When you visit or use this site, your computer may receive one or more “web beacons” in order to assist us with delivering cookies on this site, to collect anonymous information about the use of this site by our visitors, and to deliver customized or targeted content to you on this site and through our partners. Web beacons (also referred to as “tracking pixels,” “1x1 gifs,” “single-pixel gifs,” “pixel tags,” or “action tags”) are graphic images, usually no larger than a 1x1 pixel, placed at various locations on this site. They also help us identify browser types, search terms that bring visitors to our Property, and the domain names of websites that refer traffic to us. We also utilize web beacons to provide us with more information on any emails we send out. For example, a web beacon in an email communication will send us information to let us know that you have received, opened, or acted upon an e-mail you have chosen to receive from us.
Why We Collect Personal Information
The Personal Information we collect helps us:
- Provide our Online Services to you;
- Process transactions;
- Respond to requests or any correspondence you send us;
- Learn about our users' interests in terms of the features, performance, and support of our products;
- Customize your experience (including the content and advertisements delivered on our site);
- Enhance and develop our Online Services;
- Protect and enforce our rights and the rights of our users and third parties;
- Market our products and services to you through newsletters or promotional e-mails or push notifications (please see the section below on “Your Choices Regarding Your Personal Information.”)
How We May Share Your Information
We do not sell Personal Information about our members or users to any third parties. We may, from time to time, share your Personal Information with our business partners, resellers, affiliates, service providers, consulting partners, and others in order to provide our Online Services to you.
We may, from time to time, share your Personal Information with third party business partners, vendors, affiliates, and other service providers that perform services on our behalf, in order to carry out their work for us, which may include identifying and serving targeted advertisements, e-commerce, content or service fulfillment, website operations, email communications management, customer service, analytics, manufacturing, integration, delivery, support, payment, and servicing processes. Our policy is to prohibit these companies from using your Personal Information for any purpose other than to provide the services expressly requested by us.
We may share your Personal Information with business partners who offer a service jointly with us, for example, when running a co-sponsored contest or promotion, or offering a co-branded product or service, in accordance with applicable law.
We may disclose your Personal Information if we believe, in good faith, that such disclosure is necessary to (a) comply with relevant laws or to respond to subpoenas or warrants served on us; or (b) to protect and defend our rights or our property or users of our site.
We may "de-personalize" Personal Information by removing personally identifiable characteristics, such as name and e-mail address, and aggregate data for use in surveys or other business purposes. We may then use and/or share this de-personalized information with third parties to improve our Online Services.
For further information on your choices regarding your information, see the "Your Choices Regarding Your Personal Information" section below.
Your Choices Regarding Your Personal Information
Bay Federal Credit Union respects your choices about how your Personal Information is used when you register with us, elect to receive our newsletters, or provide us with Personal Information for other purposes. If you choose not to provide any Personal Information when requested, you can still enjoy most aspects of our Online Services. However, you may be unable to access certain areas and services that require our interaction with you.
Online advertising and other tracking
Children’s Online Privacy Protection Act Policy
We take care to protect the privacy of children under the age of 13 who visit our websites or mobile apps. Read our Children’s Online Privacy Protection Act Policy.
Links to Other Sites
We will take all reasonable and appropriate measures to protect the personal information you share with us from unauthorized access or disclosure.
How to Contact Us
Notice To California Residents – Your California Privacy Rights
Under California Civil Code Section 1798.83 (known as the "Shine the Light" law), users of our site or members of the Credit Union who are residents of California may request certain information about our disclosure of personal information during the prior calendar year to third parties for their direct marketing purposes. To make such a request, please write to us at the following address: Bay Federal Credit Union, 3333 Clares Street, Capitola, CA 95010. Alternatively, you may send us an email at email@example.com.