Privacy Policy
FACT
WHAT DOES GOLD COAST FEDERAL CREDIT UNIONDO WITH YOUR PERSONAL INFORMATION?
WHY
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all of the sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT
The types of personal information we collect and share depend on the product or service you
have with us. This information can include:
- Social Security Number and income
- Account balances and payment history
- Credit history and credit scores
When you are no longer our member, we continue to share your information as described in
this notice.
HOW
All financial companies need to share members’ information to run their everyday business. In the section below, we list reasons financial companies can share their members’ personal information; the reasons Gold Coast Federal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your information | Does the Credit Union share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – Such as to process transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes – To offer our product and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | No | We do not share. |
| For our affiliates’ everyday business purposes – information about your creditworthiness | No | We do not share. |
| For non affiliates to market to you | No | We do not share. |
| Question? Call Member Connection at: (561) 965-1000 | ||
| Who we are | |
|---|---|
| Who is providing this notice? | Gold Coast Federal Credit Union |
| What we do | |
|---|---|
| How does Gold Coast Federal Credit Union protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does Gold Coast Federal Credit Union collect my personal information? | We collect your personal information, for example, when you: • open an account or deposit money • pay your bills or apply for a loan • use your credit or debit card We also collect your personal information from other companies, such as credit bureaus, affiliates, or other companies. |
| Why can’t I limit sharing? | Federal law gives you the right to limit only • sharing for affiliates everyday business purposes • information about your creditworthiness • affiliates from using your information to market you • sharing for nonaffiliates to market you State laws and individual companies may give you additional rights to limit sharing |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. Gold Coast FCU does not share with affiliates. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. Gold Coast FCU does not share with nonaffiliates |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Gold Coast FCU has joint marketing partners such as CUNA Mutual, Allied Solutions, LLC, and others. |
Other Important Information: To protect the privacy of our members, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them. We may collect information regarding your mobile device. For your convenience, you may be asked to grant permission for access to your mobile device’s geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location, such as the location of an ATM or in-store transactions. |
|
Cookies
Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the site and to assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.
Log and Usage Data
Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called "crash dumps"), and hardware settings).
Device Data
We collect device data such as information about your computer, phone, tablet, or other device you use to access the services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.
Location Data
We collect location data such as information about your device's location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the services.
Google Analytics
Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at google.com/policies/privacy/partners/
