Online Privacy Notice
West Community Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.
We collect Personal Information only as allowed by law. Use of the internet makes it possible for other parties to collect data about your online activities over time and across different websites, including when you use our sites. We may collect Personal Information when you enter data into forms, surveys, or applications for new products or services, or when you use our products and services.
Personal Information may include your name, Member Number, home or other postal address, Social Security Number or other government-issued ID number, telephone number, and email address. Additionally, our Sites may collect certain electronic data, such as you geolocation, IP address, or device number.
We may use your personal information to:
- respond to your inquires and fulfill your requests,
- inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled,
- inform you of changes to terms, conditions, and policies and/or other administrative information,
- deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you, personalize your experience on the Site,
- allow you to apply for products or services and evaluate your eligibility for such products or services,
- verify your identity and/or location in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information,
- allow you to participate in satisfaction surveys and other forms of market research,
- conduct business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns,
- conduct risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements,
- to allow you to utilize features within our Sites by granting us access to information from your device such as geo-location when you request certain services.
We do not and will not sell your Personal Information. We may use or share information to enhance your experience on our sites, to help deliver our ads on your web browser, and to measure advertising campaign effectiveness. We may also share your information as required to meet legal and regulatory obligations.
It is important that we have accurate and up-to-date information about you. If you notice that your information is incomplete, inaccurate, or out of date, please contact us at 1- (800) 500-6860or visit a branch. You can also review and request changes to certain Personal Information such as your email address, mailing address, and telephone number on our Sites.
Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number or PIN numbers. We also ask that you do not send personal or account Information through regular email.
Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. They allow us to collect information such as browser type, time spent on the site, and pages visited. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the site and to assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.
To provide you with easy access to information, West Community Credit Union may provide links to other websites such as service provider partners and consumer information resources. If you follow links to sites not controlled by West Community Credit Union, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. West Community Credit Union does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.
Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at google.com/policies/privacy/partners/.
Our partners in mobile app solutions may periodically collect, transmit, and use geolocation information for enabling features such as, but not limited to, card use and alerts to prevent fraudulent activates, but only if the end user expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the feature(s) are being used or not at all, depending on the end user’s selection. The end user can change his/her/their location permissions at any time in their device settings.
We do not knowingly collect Personal Information from individuals under the age of 13 who use our Sites without obtaining consent from a parent or legal guardian. To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the National Credit Union Administration Regulatory Alert or the Federal Trade Commission’s website.
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you have we collect, share and protect your personal information.
The types of personal information we collect and share depend on the products or services you have with us. This information can include:
- Social Security Number
- payment history and account balances
- credit history and checking account information
When you are no longer our customer, we continue to share your information as described in this notice.
All Financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons West Community Credit Union chooses to share; and whether you can limit this sharing.
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Does West Community Credit Union Share? Yes. Can you limit sharing? No.
For our marketing purpose - to offer products and services to you. Does West Community Credit Union Share? Yes. Can you limit Sharing? No.
For joint marketing with other financial companies. Does West Community Credit Union share? Yes. Can you limit sharing? No.
For our affiliates' everyday business purposes - information about your transactions and experiences. Does West Community Credit Union share? No. Can you limit sharing? We don't share.
For our affiliates' everyday business purposes - information about your creditworthiness. Does West Community Credit Union share? No. Can you limit sharing? We don't share.
For nonaffiliates to market to you. Does West Community Credit Union share? No. Can you limit sharing? We don't share.
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We collect your personal information, for example when you
- open a new account
- apply for a loan or give us your contact information
- make deposits or withdrawals from your account
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives your the right to limit only
- sharing for affiliates' everyday business purposes - information about creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
Affiliates - Companies related by common ownership or control. They can be financial or nonfinancial companies. West Community Credit Union has no affiliates.
Nonaffiliates - Companies not relations by common ownership or control. They can be financial or nonfinancial companies. West Community Credit union does not share with nonaffiliates so they can market to you.
Joint Marketing - A formal agreement between nonaffiliated financial companies that together market financial products or service to you. Our joint marketing partners include insurance companies.