At Point Loma Credit Union, we value member privacy. Members have chosen to do business with us, and we recognize our responsibility to keep the information they provide to us secure and confidential.
Notice of Financial Privacy Rights
As required by federal law, all new members will receive a notice of their financial privacy rights (i.e., a “privacy disclosure”) that also includes detailed information about our information sharing practices. It will be provided with other required disclosures when the account is opened. In addition, the notice will be delivered to all members annually with their year-end statements. It will also be available on our website.
Collection of Information
Usage Data and Site Activity - PLCU automatically collects information regarding the actions members take on the Site and Services. “Site” refers to the PLCU website and any PLCU mobile application. For example, each time a member uses the Site and Services, we automatically collect the type of Web browser used, operating system, Internet Service Provider, IP address, pages viewed, and the time and duration of the visits to the Site and Services. We use this information to help us understand how people use the Site and Services and to enhance the services we offer.
Cookies - Cookies are a feature of web browser software that allows web servers to recognize the device used to access a website or other online service. They are small pieces of data that are stored on a user's device by their web browser. Persistent cookies are stored on the computer's hard drive and are accessible until they expire or are manually deleted. Session cookies are temporary and are stored in the computer's memory until the web browser is closed. When using online banking, members are required to accept session cookies in order to be properly authenticated. Information gathered through cookies and web server logs may include information such as the date and time of visits, the pages viewed, time spent at the Site and Services, and the websites visited just before and just after the Site. Cookies can remember what information a user accesses on one web page to simplify subsequent interactions with that website by the same user or to use the information to streamline the user's transactions on related web pages. This makes it easier for a user to move from web page to web page and to complete transactions over the Internet.
Google Analytics - We use Google Analytics on the Site and Services to collect Usage Data, to analyze how users use the Site and Services, and to provide advertisements to users on other websites. For more information about how to opt out of having your information used by Google Analytics, visit https://tools.google.com/dlpage/gaoptout/.
Sharing of Personal Information
We only share information when absolutely necessary to administer the products and services we provide, when required to do so by law, or when we partner with our affiliates to offer a broader array of products and services. In addition, California law, under the California Financial Information Privacy Act (also known as SB1), provides that a consumer has the right to control the sharing of personal and financial information with outside companies the financial institution contracts with to provide financial products and services. This state requirement varies from the federal requirements described above and is outlined in the separate notice titled “Important Privacy Choices for Consumers” that will be available on our website.
From time to time, we may establish a business relationship with other businesses whom we believe trustworthy and who have confirmed that their privacy practices are consistent with ours (“Service Providers”). These businesses are prohibited from using member information for any purpose other than that for which they have been contracted. Under no circumstances will service providers be authorized to charge a member account without the member’s express consent.
Advertising and Online Tracking
We maintain physical, electronic and procedural safeguards that comply with federal and state regulations to protect the member information maintained in our files and computers. Where appropriate, we use security-coding techniques to guard against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and to protect member confidentiality. We continually assess new technology for safeguarding information.
PLCU Internet Web Site
We collect information about visitors to PLCU’s web site. We automatically collect information regarding the actions visitors take on the Site and Services. For example, each time a visitor uses the Site and Services, PLCU automatically collects the type of Web browser the visitor uses, their operating system, their Internet Service Provider, their IP address, the pages viewed, and the time and duration of the visits to the Site and Services. PLCU uses this information to help us understand how people use the Site and Services and to enhance the services we offer.
Selling Personal Information
We NEVER sell member information to marketing firms or other third parties.
How We Use Information and When We May Share and Disclose Information Generally
Maintaining Personal Information
We maintain procedures to ensure member financial information is complete, accurate and current. Also, members are encouraged to review their account statements and to keep their personal information complete, accurate and current. Members will be provided instructions for notifying PLCU when their records need to be updated.