Privacy Policy

Effective Date: [Insert Date]

Privacy Policy

At LA Electrical Workers Credit Union, we value your trust and are committed to protecting your personal and confidential information. This Privacy Policy explains how we collect, use, and share your information when you visit our website, use our mobile app, or do business with us.

When we say “we,” “us,” or “our,” we’re referring to LA Electrical Workers Credit Union. When we say “you,” “your,” or “yours,” we mean our members, customers, and visitors to our website. Our mobile app, referred to as the “App,” lets you access our services from your smartphone, tablet, or other device, and this policy covers how we handle your information there too.

Here is a quick overview of what you’ll find in this Privacy Policy:

• Online Privacy and Cookie Notice. This notice explains how we collect, use, and share information from people who visit our website or use our mobile app.
• U.S. Consumer Privacy Notice. In this notice, you will find details on how we handle personal information for individuals who apply for or use our financial products and services for personal, family, or household purposes. This is in accordance with the federal Gramm-Leach-Bliley Act (“GLBA”).
• Important Privacy Choices for California Members. If you are a California resident who uses our financial products or services for personal, family, or household reasons, you have the right to opt out of us sharing your personal information with certain business partners. You can exercise this right using the form provided, under the California Financial Information Privacy Act (“CalFIPA”).

Online Privacy and Cookie Notice

At LA Electrical Workers Credit Union, we care about your privacy—both online and on the go. This Online Privacy and Cookie Notice (“Notice”) explains how we collect, use, and protect your information when you visit our website, use our mobile app on a smartphone, tablet, or other device, our “App,” or use any of our online services that link to this Notice.

By using our website or App, you are agreeing to the terms outlined here and giving us permission to collect and use your information as described in this Notice.

When we mention “personal information” or “personally identifiable information,” we are talking about details like your name, mailing address, email, phone number, Social Security number, or any other information that could identify you. We collect this information when you choose to share it with us, such as when you fill out a form or use features in our App.

Information We Collect Online – and How We Collect It

You are welcome to browse our website to explore our products, services, and rates without sharing any personal information. To help us improve your experience, we may use software tools and cookies to collect information about how visitors use our website. This helps us understand what is working well, where we can improve, and how to create more helpful services and marketing for our members and visitors.

We may collect information like the date and time you visited, the pages you viewed, how long you stayed, your browser type, IP address, and the websites you visited just before and after ours.

If you are a LA Electrical Workers Credit Union member and use our online banking, we may also track your activity while you are logged in to help keep your account secure and improve our services. As part of our security measures, you will need to enter personal login details, like your username and password, and we may use cookies to verify your identity during those sessions.

1. Use of Cookies and Similar Tracking Technologies

The use of cookies and similar tracking technologies, such as pixels, clear GIFs, tags, and web beacons, is a common practice across the internet. Cookies are small text files that store limited pieces of information and are downloaded to your computer, smartphone, tablet, or other device when you visit a website.

Cookies serve a variety of purposes. They help websites and mobile apps recognize your device, remember your preferences, make navigation smoother, display content more effectively, personalize your experience, and provide you advertisements for products and services that you might be interested in. They are also used to collect statistical data about how websites and apps are used, which helps improve their design and functionality and can assist in troubleshooting or answering questions about how they work.

a. Types of Cookies and How We Use Them

Cookies set by us are known as first-party cookies. We may also use third-party cookies, which come from domains other than the one you are visiting, typically for advertising or marketing purposes. Both first-party and third-party cookies can fall into any of the categories described below.

Cookies can also differ by how long they stay on your device. Session cookies expire when you close your browser. They are temporary and used only for that session. Persistent cookies, on the other hand, stay on your device for a set period and help recognize you across multiple visits. These cookies usually have an expiration date and are automatically deleted once that time passes.

When you use our online banking services, we do not transmit any personally identifiable information through cookies. Our online banking uses temporary session cookies, non-persistent cookies, or pre-expired cookies to support our strict security standards. These cookies prevent pages from being stored or cached on your computer, ensuring that every page is freshly loaded from our server.

For those using our mobile banking app or bill pay services, we may also use persistent cookies to help quickly recognize your device type and improve your experience. These cookies also do not store any personal information.

Necessary Cookies. These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in, or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.

Performance and Analytics Cookies. These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies, we will not know when you have visited our site and will not be able to monitor its performance.

Advertising Cookies. These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your