Information We Collect and Use
We collect information about you to provide competitive financial products and services. Below are the types of information we typically collect, the sources from which we collect information, and the reasons we may use and share the information:
- If you apply for membership online, we may collect the name of a family member who is an existing SAFE Credit Union member for the purpose of establishing membership eligibility.
- We may collect information on applications and other forms you submit to us, such as your contact information (e.g. name, address, email, telephone number), your personal identifying information (e.g. Social Security number, driver license number); your demographic information (e.g. date of birth, marital status), and your financial information (e.g. income, debts, assets).
- We collect information about your transactions (e.g. account balances, credit card usage, parties to transactions, payment history).
- We may share information about your SAFE Credit Union transactions and payment history with third parties, such as other financial institutions involved in processing your transactions, consumer reporting agencies, and third parties with whom we contract to provide services to you.
- We collect information about your creditworthiness, credit history, and account history from consumer reporting agencies.
- We may verify with third parties any information you provide on applications or other forms you submit to us (e.g. your payment history with other creditors, your employment status, and income).
- We may collect information from consumer-purchasing and census data providers, marketing researchers, and public records, which we use to develop competitive marketing programs for our members.
- We use your IP address and aggregate log file statistics to help diagnose problems with our server and to administer our website.
- Cookies are electronic markers that are stored directly on the computer you are using to indicate activity or access to specific websites or pages contained on a website. When you return to SAFE Online Banking service, your browser will give that information back to our server. We use cookies to maintain the state of your SAFE Online Banking session and to store your computer's configuration data. This cookie data is used to enable our service. If you disable cookies on the computer you are using, you will not be able to use SAFE Online Banking service. We do not encode your personally identifiable information in our cookies. Some third parties use cookies on their websites. We have no access to or control over these cookies.
- Our website's applications and forms require users to give us contact information, such as name and email address, and financial information (e.g. account numbers). User contact information is used to contact the user for the purposes of account maintenance, customer service, or dissemination of product and service information.
- We have calculator functions on the website that allow you to calculate different financial scenarios. These are standalone functions and are not tied to you or your personal information so when you use these functions, we do not collect, capture, or retain your personal information.
- This website may contain links to other websites. SAFE Credit Union is not responsible for the information collection and use practices of third parties to which our website may link or for the content of such websites.
- Our website includes forms that visitors can use to request information, products, and services from us. These forms contain the information we need to respond to your request.
- Our website collects personally identifiable information from you when you perform transactions using our Bill Pay application. This information is used exclusively to process your bill payment request.
- Our website uses chat functionality to facilitate communication between users and SAFE Credit Union’s specially-trained Online Support Representatives. Chat sessions may be archived as a means of review for service quality. Chat sessions are held to the same privacy standards as teller or phone transactions, and certain banking transactions are not permitted through chat due to the limitations of online authentication.
- We may gather data that is not personally identifiable to you, such as length of user website visit, number of hits on our website, and website pages visited. This information helps us to evaluate the usefulness of our website.
Google Analytics
We use Google Analytics to understand how visitors engage with our website. For information on how Google uses the data it collects and how to control the information sent to Google, please visit www.google.com/policies/privacy/partners/.
Online Behavioral Advertising
Online behavioral advertising (also known as “OBA” or “interest-based advertising”) refers to the practice of collecting information from a computer or device regarding a visitor’s web browsing activities across non-affiliated websites over time to deliver advertisements that may be of interest to that visitor based on browsing history. Through OBA, advertisements that are most likely to be of interest to you are delivered using information about your other web-browsing activities (e.g. web pages you visit, search terms you enter, and the way you move through our online services on your computer or device) or your personal profile (e.g. demographic or location information). Certain companies may set cookies and use related tracking, such as Google, throughout our website or in our communications to support these OBA efforts. We do not currently have the technical capacity to offer an opt-out of OBA.
Web Browser Do Not Track Signals
Do Not Track” (“DNT”) refers to an HTTP header used by internet web browsers to request a web application disable its tracking or cross-site user tracking. When DNT is enabled, a user’s web browser adds a header to content requests indicating that the user does not want to be tracked. California law requires us to disclose how we respond to web browser DNT signals. We do not respond to or take any action with respect to a DNT configuration set in your internet browser, and therefore, we do not disable tracking.
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