Online Privacy Policy
Cabrillo Credit Union prides itself on protecting member information. This Online Security Policy describes how we manage this responsibility on our website and through eBranch. As changes are made to this policy, it will be updated and posted on the credit union’s website.
Information Collection
Various tools are provided on our website to help members and potential members learn about the products and services we offer, as well as to assist in financial planning. The credit union does not capture personal information when consumers browse our website and/or use tools, such as financial calculators.
When processing an online application for a credit union product or service, you will be prompted to enter applicable personal information which is protected in accordance with the credit union’s Privacy Policy. We collect the following types of nonpublic personal information through these services:
- Information received from membership applications, loan applications and other forms submitted on this site such as your name, address, social security number, assets, and income.
- Information we received from consumer reporting agencies, such as credit score and credit history.
You may elect not to enter this information and instead complete the information in a branch or via phone.
Individuals electing to “chat” electronically with Member Service Representatives will be asked to submit personally identifiable information. In order to take advantage of this service, individuals will be prompted to enter their first and last name, their email address, and their phone number. In some cases, members asking to obtain personal account information will be required to identify themselves by providing additional verifiable information. This information is encrypted and is not shared with a third party vendor.
We use website browser software tools such as cookies and web server logs to gather information about the usage of our website in order to constantly improve our site and understand consumer preferences. We also use website log files and IP addresses to analyze trends, administer the website, track user movements and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.
When you access your account via eBranch, your activity is tracked. This information is used for data purposes and to educate you about Cabrillo services. This information is not shared with any outside vendors.
Security Procedures
You can use our website with assurance, knowing that the information you submit to us is secure. All online applications and submission forms on our website are secure and encrypted. The credit union subscribes to the highest encryption forms available for general commercial use. Emails that you send to us outside our online banking service (eBranch) may not be secure. For your privacy you should not send confidential information such as social security or account numbers to us through an unsecured email.
Cookies
"Cookies" are a feature of web browser software that allows web servers to recognize the computer used to access a website. They are small pieces of data that are stored on a user's computer 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 stored in the computer's memory until the web browser is closed. When using eBranch, you 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. Cookies make it easier for a user to move from web page to web page and to complete transactions over the Internet.
Device Permissions
To use all features available in eBranch, the Cabrillo Credit Union mobile app may request permissions to access functions on your device. Required permissions for use of the following features include: the device’s camera for use of Mobile Remote Deposit, the device’s access to external storage to include attachments to secure messages in eBranch, contacts on the device for the Pay A Friend recipient list, the device’s access to location for branch and ATM locations, and access to the device’s microphone for support services. End Users can change these permissions at any time in their device settings.
Do Not Track
We do not share any personally identifiable information with any third parties. Individuals accessing the credit union’s services with “Do Not Track” settings in their browser will continue to have full access to Cabrillo sites.
Links
The credit union’s website includes links to outside third parties. When you click on these links you will be notified that you are leaving the credit union’s website. The credit union is not responsible for practices employed by websites of other companies linked to from neither our site, nor the information or content contained therein. We cannot, and do not, make any representations about the security, tracking, practices and policies of these companies, and are not responsible in any way for how these companies use cookies or any information you provide to them. Please remember that when you use a link to go from our website to another website, our Privacy Policy is no longer in effect. Your interaction on any other website, including websites which have a link to our site, is subject to that website's own rules and policies.
Children's Privacy
The credit union does not knowingly collect data from children age 13 and younger.
Card Controls App
The Card Controls App periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts, 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 Solution is being used or not at all, depending on the End User’s selection. End Users can change their location permissions at any time in their device settings.
Effective May 9, 2022
