Community Resource Credit Union
This Online Privacy Statement applies to CRCU’s webpages, CRCU-branded social media sites, mobile applications, digital banking applications, and digital advertising campaigns, collectively referred to as a “digital property.”
The terms “CRCU,” “we,” “our,” or “us” refers to Community Resource Credit Union and any affiliates or subsidiaries based in the United States.
Information collected by Community Resource Credit Union during the application for or servicing of one of our products or services are also governed by CRCU’s Privacy and Opt-Out Notice. Please reference that document for additional details on our privacy practices.
CRCU is a United States-based financial cooperative serving a U.S.-based target market. Our web and digital properties do not intentionally target children under the age 13 without parental consent. In addition to the privacy practices described within this statement and the CRCU Privacy and Opt-Out Notice, social media sites may have their own privacy policies that you should understand prior to using their services to interact with CRCU on those sites.
When using an CRCU digital property we may collect three categories of information about you.
Personal Information: We may collect personally identifiable information about you such as your name, address, phone numbers, email address, or other information that identifies you. This includes information you provide via applications, forms, subscriptions, contest entries, or other means of collection.
Non-public Information: Through your interactions with us, such as applying for a product or service, we may collect non-public information about you such as your Social Security number, tax identification number, driver’s license number, income, CRCU username, occupation, or other types of non-public information.
Online Behavior: We may collect information about the Internet Protocol (IP) address of the device(s) you use to access CRCU’s digital properties; your operating system and browser type; referral website information; your digital property usage and page views; your social media preferences (e.g. likes, interests, profile, etc.); your geolocation; and aggregate or non-personally identifiable information.
These categories of information may be collected by CRCU, or by our third party service providers, through use of various technologies, such as cookies, web beacons, pixel tags, or other technologies, to associate your online use of our digital properties and/or with offline personally identifiable information.
We may use information collected from an CRCU digital property to acquire additional information about you from our marketing partners or service providers. For example, when you submit an application for membership or for a financial product or service, we may use the Social Security number you provided online to access a consumer report which may contain a credit score and information about your creditworthiness to determine if you meet our underwriting guidelines.
When interacting with CRCU on a digital platform that is not owned by CRCU such as a social media site, never include sensitive personal or non-public information. Communications with CRCU about your application, membership, and accounts with us should only take place in a secure CRCU channel such as CRCU Online Banking or Mobile Banking or by phone with a Virtual Call Center employee. Social media sites are not an appropriate place to conduct or discuss your financial transactions.
We may use the information we collect online and that which we pair it with offline to:
- market our products and services or those of our trusted partners
- any production interaction used within our Online & Mobile Banking apps
- tracking UserID used for identifying a user and sending marketing campaigns
- location – used for geofencing and beacon scanning essential for advertising / marketing campaign delivery
- make a decision about your application for a product or service
- service, manage, or collect on your account
- offer special deals or promotions
- process transactions initiated by you
- verify your identity or information you provided on an application
- perform everyday business tasks such as data analytics, digital property experience optimization, fraud prevention, security enhancements, or product and service improvements
- respond to your questions or inquiries
- comply with federal, state, or local laws; civil, criminal, or regulatory investigations; or other legal requirements
- share with our affiliates or trusted third parties in accordance with the practices described in our Privacy and Opt Out Notice
- aggregate or anonymize data for analytical purposes
Community Resource Credit Union may disclose all of the information collected, as described above, to companies that perform marketing services on behalf of CRCU or to other vendor / institutions with which CRCU has joint marketing or other contractual agreements. CRCU may also disclose nonpublic personal information about its members under other circumstances as permitted or required by law and as described in our Privacy and Opt Out Notice.
CRCU restricts access to non-public personal information about its members to CRCU employees and approved third parties working on our behalf who have a specific business purpose in utilizing member data. CRCU employees are trained in the importance of confidentiality and member privacy by maintaining physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard members' non-public personal information.
Use of Online Technologies to Collect Information
CRCU may use technologies to store information on your computer when you visit the Community Resource Credit Union website. For example, cookies may be used within CRCU website to enhance website security, improve website effectiveness, tailor the sites to your individual preferences, and improve our marketing campaigns.
A pixel tag, also known as a web bug in an embedded image, is an invisible tag placed on a webpage to register when a particular computer visits that specific page. These tags and beacons are used in combination with cookies. CRCU places these on its web properties and in online advertisements to better personalize your experience with CRCU and to understand aggregate website usage and patterns.
Accepting Cookies. Most web browsers automatically accept cookies. If you do not wish to receive cookies, refer to your browser's online help for further instructions and information on setting cookie preferences. If you turn off cookies, you may not be able to use some CRCU’s Online Banking features.
Third-Party Websites. The CRCU web properties may direct you to other sites on the Internet to provide additional information or services that may be of interest to you. Third-party websites may have privacy and security policies different from Community Resource Credit Union. Please review the privacy and security policies of websites reached through links from CRCU websites.
What Does Community Resource Credit Union Do With Your Personal Information?
Rev. Date 5/16