Online Privacy Policy

Bay Federal Credit Union is committed to respecting your privacy. This Privacy Policy applies to our website at and mobile apps and hardware and software products including any internet-connected devices (our "Online Services").


Bay Federal Credit Union is committed to implementing appropriate protections for any Personal Information that we collect or our users share with us. Bay Federal Credit Union's Online Privacy Policy and Children’s Online Privacy Protection Act Policy set forth our policies and procedures regarding our collection, use, and/or sharing of your Personal Information obtained through the use of our Online Services.

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

As you use our Online Services, we may collect passive information through the use of cookies, web beacons, log file information, and other tracking technologies, including your IP address, browser type, device type, device ID, geolocation data, Uniform Resource Locators (URL), and operating system.

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.

This information allows us to better understand our users and to enhance your experience. For example, when you return to our website after visiting another site, cookies allow our website to remember who you are and any preferences you have. For more information on how we use cookies, please see our Cookie Policy below.

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.

Cookies and Web Beacons, JavaScript Code/Tags, and Other Web Technologies

We collect information that is typically not personally identifiable through the use of web technologies, including, without limitation, “session cookies,” “persistent cookies,” “web beacons” (also referred to as “tracking pixels,” “pixel tags,” or “action tags”), JavaScript code, and “JavaScript tags.” As the Internet evolves, we may implement and use different types of technologies for this purpose. Web technologies may be placed on this site directly by us or by third party providers, and we or third party providers may place web technologies on behalf of the partner whose branding appears on this site or its service providers and allow that partner to utilize the data collected. This information is used to enhance your use and experience with this site, for marketing analysis, for targeted and display advertising, and for quality improvement purposes. We may collect your IP address through web technologies.

Cookies. When you visit or use this site, your computer may receive one or more “cookies” in order to help personalize and support your use of this site, our Online Services, and/or the services of our partners. A “cookie” is a small text file that is transferred to a web browser by a web server, and can be read by a web server in the same domain at a later time. Cookies allow us to customize information that is presented to you through your use of our site and/or through other websites (such as to display personalized content and targeted advertising to you), and to save time by storing information so you do not need to re-enter it during a later use of our site. We also use cookies to collect anonymous information about the ways visitors use this site (e.g., which pages they visit, which links they use, and how long they stay on each page). We analyze this information (known as “click-stream information”) to better understand our visitors’ interests and needs and to improve the content and functionality of this site. We do not use cookies to collect information that identifies you personally (we may collect your IP address through cookies). We may use a combination of “session cookies” and “persistent cookies” on this site, further described below. If you do not wish to receive cookies or wish to manage when you accept cookies in general, please see the “Your Choices Regarding Your Personal Information” section below. Although you are not required to accept our cookies, if you set your browser to reject cookies, you may not be able to use all of the features and functionality of this site.

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.

JavaScript Code/Tags. This site may include one or more JavaScript tags (JavaScript code embedded into a web page) which are used by us to collect information about the use of this site by our visitors, to deliver customized or targeted content to you on this Property and through our partners, and to enable us and our vendors to provide services to you in connection with your use of this site. For example, we may use JavaScript tags to anonymously track how visitors interact with our Properties, including where they came from and the manner in which they use our site. We also may use JavaScript code/tags to collect and provide limited personally identifiable information to our service providers who provide services to us in connection with this Property (e.g., to allow a third party vendor to send a transactional email to you on our behalf in connection with your use of this site).

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.

Any Personal Information we collect may be shared with our corporate affiliates, or companies who operate under the same corporate control. We will take reasonable steps to ensure that these company affiliates honor this Online Privacy Policy and our Children’s Online Privacy Protection Act Policy.

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 sell or buy assets from or to other companies. Personal Information may be one of the transferred business assets, and would likely be one of the transferred assets in the event that the Credit Union or some of its assets were acquired. If the Credit Union or its assets are acquired by another company, we will request that the acquiring company assumes the obligations of this Online Privacy Policy and our Children’s Online Privacy Protection Act Policy.

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.

Marketing communications

You can opt-out of receiving communications from us at any time by following the unsubscribe instructions at the bottom of any e-mail or SMS communications you receive. If you are using our apps, we may also send you push notifications which you can opt-out of receiving using the app settings. However, we may still send you updates to our Legal Notices, Online Privacy Policy, or regarding any account you have with us.

Online advertising and other tracking

As discussed above, we collect certain information about you when you use our Online Services through technology such as cookies, web beacons, and similar tools. Because we use this information only for internal and analytic purposes, your selection of the “Do Not Track” option provided by your browser will not have any effect on our collection of cookie information for these purposes. The only way to completely “opt-out” of the collection of any information through cookies or other tracking technology is to actively manage the settings on your browser or mobile device. We permit third party ad networks and social media companies to use cookies, plug-ins, and other technology to collect information about your browsing activities over time and across different websites when you visit our site. For example, we use advertising services provided by third party ad partners to employ cookies and other tracking technology to market our services to you on other websites. We do not control the opt-out mechanisms of these third party ad partners. To avoid tracking by these third party ad partners, you can change your browser settings to reject cookies or to notify you when cookies are set and you could select the “Do Not Track” option on your browser, though we have no control over and cannot confirm whether these third parties honor the “Do Not Track” browser signal. Additionally, many advertising companies who operate in the United States are members of the Network Advertising Initiative (NAI) or the Digital Advertising Alliance (DAA) which provide opt-outs for member companies at or

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 are not responsible for any content, products, or services offered on any third-party websites. Links to third-party websites are provided for your convenience only. This Privacy Policy will not apply to any Personal Information that you provide to, or that is collected by, any third-party website operator or third-party product/service provider. Additionally, our site may include social media features such as Facebook, Twitter, and Pinterest buttons (such as "Like," "Tweet," or "Pin"). These social media sites may automatically record information about your browsing behavior every time you visit a site that has a social media button, regardless of whether you click on the button. Your interactions with these features are governed by the privacy policy of the company providing the feature, not by our privacy policy. Please review your privacy settings on social media 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

If you have any questions or concerns about our Online Privacy Policy or our Children’s Online Privacy Protection Act Policy, please send an email to or write to us at: Bay Federal Credit Union, 3333 Clares Street, Capitola, CA 95010.

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

Online Privacy Policy Updates

We may make changes to our Online Privacy Policy from time to time. Please review our policies regularly as updated policies will apply to your future visits to our website.

Your Consent

By using this website, you consent to the terms of our Online Privacy Policy and to our collection and processing of your Personal Information for the purposes listed herein.

Attention: You are leaving the Bay Federal Credit Union website

You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.