1. Information We Collect
In the course of doing business, we collect and use various types of information, such as information available from public records, credit reports, as well as information you provide to us, including personal information such as your financial status, employment history, marital status, age, email or mailing address, telephone numbers, and other personal information. We also collect information about your accounts, loans, online applications and forms, and other financial transactions and information where we believe it is reasonably required for ordinary business purposes.
2. How We Use Your Information
We may use the information discussed above in various ways, such as:
3. With Whom ECCU May Share Information
ECCU shares personal information with third parties only as permitted or required by law in connection with the administration, processing, and servicing of account and account-related transactions, in order to perform services for us on your behalf. These services include, but are not limited to, credit reporting agencies, bill payment processors, credit, debit and ATM card processing networks, data processors, check printers, marketing and other companies in order to offer and/or provide financial products and services to you, and in response to legal or regulatory requirements, court orders, and/or other legal processes or investigations.
4. How We Collect and Use Other Information
We may collect and use other information, such as:
Cookies: 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, and language preferences. We use the information for security purposes, to facilitate navigation, to display information more effectively, 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. Please see the Advertising section below for more information.
You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies.
You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services. For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on. You also may not receive tailored advertising or other offers from us that may be relevant to your interests and needs.
IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, compliance and security, advertising, and administering the Site. Please see the Advertising section below for more information.
ECCU uses information described in this notice to help advertise our products and services in a variety of ways, such as:
6. Protecting Your Information, Confidentiality and Security
To protect Personal Information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings, as well as oversight of our third-party service providers to ensure information remains confidential and secure. Whenever we ask for personal information on our website, we use Secure Socket Layer (SSL Technology) for transferring data. This technology encrypts or scrambles your account information so it's virtually impossible for anyone other than ECCU to read.
7. Accuracy of Information
Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate, or not current, please use the “Contact” options on our Site: www.eccu.org/contact.
8. Children’s Online Privacy Protection Act (“COPPA”) Disclosure
The Children’s Online Privacy Protection Act of 1998 (“COPPA”) restricts the collection, use or disclosure of Personal Information from and about children under the age of 13 on the internet. ECCU does not knowingly solicit data from children, nor do we knowingly market to children. ECCU is, however, committed to complying with COPPA and protecting the online privacy of the children who visit our website and/or use our youth online and mobile services.
We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents. We do not knowingly collect personal information from minors without parental consent.
9. When Information is Collected
Some areas of our website require information, such as your email address or your account, to enable you to perform certain tasks (for example, review your accounts or correspond with us). In these cases, we collect your information, if necessary, to interact with you.
10. Social Media Sites
11. Links to Other Sites