Beacon Community Credit Union (BCCU) respects the personal and financial privacy of all its members. We are committed to protecting the information on and within our web site with the same safety and confidentiality standards utilized in the transaction of all BCCU business. The following information will help you to understand how we protect the information gathered.
BCCU may collect information such as:
- e-mail addresses
- Internet Service Provider address
- access time and date
- failed logon attempts
We collect this information for internal reporting of web site statistics, and product monitoring to improve our services. Information obtained from our web site is kept secure, and access to that information is limited to the credit union personnel who need to know the information to provide products or services to our members and to properly operate the credit union. We may gather information that is not personally identifiable to you so that we can evaluate the usefulness of our web site. This may include the number of hits, pages visited and the length of user sessions.
To ensure information remains confidential, BCCU uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.
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.
INTERRUPTION OF SERVICE
At certain times, BCCU’s website may not be available due to system maintenance or circumstances beyond our control. BCCU conducts frequent and regular backups of your information and utilizes redundant information practices to protect your information from being erroneously altered due to unintentional errors and equipment malfunctions.
SPECIFIC INFORMATION WE MAY COLLECT WHEN USING BCCU INTERNET HOME BANKING
When you conduct an online transaction through Online Banking, such as obtaining account information, transferring funds between accounts, paying a bill, or completing an application, we request information for you online at our Online Banking site. This information is needed so that we can follow your instructions or review your request or application so you can perform a transaction. In these cases, we only collect the information necessary to interact with you and to respond to your requests or instructions. We may keep track of the number of times you log on per month to Online Banking. We do not gather or sell this information to any third parties.
INTERNET ACCESS FEES AND TELEPHONE CHARGES
You agree to be solely responsible for any telephone charges, Internet access fees, and other similar fees and expenses you incur by accessing BCCU through this site. Please note that these fees may be assessed and billed separately by your Internet service or telephone provider. Your BCCU Online Banking account is free of charge.
CHANGES TO THIS POLICY
BCCU may update this policy. We will notify you about significant changes in the way we treat personal information by sending you a notice or by placing a prominent notice on our website.
BCCU does not knowingly solicit data from children. We recognize that protecting children's identities and privacy online is important and the responsibility to do so rests with both the online industry and parents.
Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. 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 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 that may be used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.
LINKING TO OTHER SITES
Whenever you click on a link that goes to another site, BCCU will provide a disclaimer that states:
“You are leaving the Beacon Community Credit Union website. The website you are linking to is not operated by Beacon Community Credit Union. We are not responsible for any content or information posted to this external web site. Beacon Community Credit Union is not responsible for, nor do we represent you or the external web site if you enter into any agreements. Privacy and security policies may differ between our website and this external site.”
We are not responsible for the data collection and practices of third parties linked to our website. Please read the rules and policies of the third-party sites before proceeding. If you decide to leave our site and access these third-party sites, you do so solely at your own risk.
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 may 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/.
BEACON COMMUNITY CREDIT UNION MOBILE APPLICATIONS
Beacon Community Credit Union Mobile Applications 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.
CONFIDENTIALITY AND SECURITY
We provide a number of additional security features at BCCU. After logging into Online Banking, your online session will "timeout" after 5 minutes of inactivity. This prevents other individuals from accessing your personal information in case you have left your PC unattended without logging out. When you submit your password and security information, they are compared with the data we have stored in our secure database. We allow you to enter this information incorrectly three times. If you enter your password or security information incorrectly more than three times, your access to BCCU’s Online Banking will be locked until you call us to reactivate the account. We monitor and record "bad login" attempts to detect any suspicious activity, such as someone trying to guess your password.
UNAUTHORIZED ACCESS OR USE
Unauthorized access or use of the Beacon Community Credit Union’s web site is not permitted and may constitute a crime punishable by law.
The Credit Union limits access to sensitive information to specific employees to ensure confidentiality of member account information.
To learn what Beacon Community Credit Union does with your personal information please view our Privacy Notice or contact us by mail, phone, or email.