This Policy is Effective as of: February 25, 2014
Security and Confidentiality
Keeping your financial information secure is a top priority. Our associates only access your information when necessary to complete a transaction you request, respond to an inquiry, maintain your account, or as otherwise required or permitted by law. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information. Our staff is trained to comply with our established security procedures.
Information We Collect About YouWhen you visit our Site, inquire about our products or services, completed any of our forms, or when opening an account, you may be asked to provide information about you that is personally identifiable (“Personal Information”). This may include:
- Your first and last name;
- A home or physical address (including street name or name of a city or town);
- An e-mail address;
- A telephone number;
- A tax identification number; and
- Any other identifier that permits physical or online contact with you.
Cookies and “Do Not Track” Mechanisms
You may elect to set your web browser to inform you when cookies are set, prevent them from being set, or enable your web browser’s “Do Not Track” signal or similar mechanism. However, if you elect to prevent cookies from being set or enable your web browser’s “Do Not Track” signal or similar mechanism, some web banking functions may not work properly.
Affiliated Companies With Whom Orange County’s Credit Union May Share Information
We limit our information sharing practices to those companies with whom we have agreements to provide you a wide variety of financial products and services such as insurance and securities firms, or those that assist the credit union in providing these services - for example, our ATM Network, Mortgage Company and Shared Service Centers. Those companies agree not to disclose the information received by the Credit Union. We may also share information with our affiliated Credit Union Service Organization in order to make other services available to you. In certain instances, you have the right to tell us not to share information with these entities.
Many companies are offering account aggregation services that collect information from all of your accounts at financial institutions, brokerages, etc. and consolidate the information into one site for your convenience. In order for this to happen, you will have to provide a company with sensitive account information, personal identifiers and an access code or Personal Identification Number. By giving up your access code or PIN, you are authorizing that company to access your account. All transactions conducted by the account aggregator using an access code you provide to them are considered authorized by you.
We endeavor to keep our information about your accounts accurate and current. If you find any problems with any of your statements or other credit union information, please contact us in writing at Orange County's Credit Union, PO Box 11777, Santa Ana, CA 92711-1777 or by phone at 888-354-6228, during regular business hours. We will research your request and correct any inaccuracies.
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. Orange County’s Credit Union is committed to protecting the online privacy of the children who visit our Site and complying with COPPA.
In general, our Site is not directed to children under the age of 13 and we request that children under the age of 13 not provide Personal Information through the Site.
We may collect information on domain names, dates and times of visits, and number of page views. This information contains no Personal Information and will only be used to continue to improve the overall value of our Site. We do not knowingly collect, use, or disclose Personal Information from children under 13 on the internet without prior parental consent.
Updates to this Policy
This Policy is subject to change at any time. Please review it periodically. Orange County’s Credit Union will revise the “Effective Date” stated at the top of this Policy at the time any material changes to the Policy are made. Your use of the Site following these changes means that you accept the revised Policy.