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To ensure that you are the only person accessing your personal financial information, we restrict access to the online banking section of the site by requiring that you enter your username and password to login. Only you know your password. Our employees do not have access to your password, and they'll never ask you to reveal it. If someone does ask you to provide your password to them, please refuse to do so and contact us immediately.
By nature, our Internet banking site has many transactional functions such as transfers between accounts and bill payments. These transactions are all logged to ensure that your accounts are debited or credited appropriately and a history of each transaction is available to verify your account information. We store and use your transactional information in the same way as if you performed it at a branch or through any other service channel.
We may also use transactional information for servicing your account; for example, billing you for the particular transactions that you perform, or for the services that you use.
We create a secure channel between your browser and our server to protect your information when you use the site.
To continually improve our site, we often collect statistics about how our members are using it. These are only viewed in the aggregate and are not associated with you as an individual. We use this information for purposes such as improving the user experience on pages where members are having difficulties.
The information collected may include your IP address, your browser type and your operating system, as well as data such as the number and types of pages visited and the length of time spent per page and on the site overall.
We also use a web technology called cookies. A cookie is a small information token that is stored on your computer. As you use this site, cookies are passed back and forth between our server and your browser.
Specifically, we use two kinds of cookies; session cookies and persistent cookies. A session cookie exists only for the length of your browsing session and is deleted when you close your browser. A persistent cookie is one that stays on your computer after you close your browser. A persistent cookie may or may not expire on a given date.
We use a session cookie to maintain the integrity of your online banking session. With each page that you visit, the cookie is passed back and forth between our server and your browser. We use the cookie to distinguish your session from the many others that may be happening at the same time. Our session cookies never store any personal information such as your name, or date of birth, or financial information, such as your accounts and balances.
We may use persistent cookies to (i) provide you with a customized experience by recording your preferences; (ii) gather statistical information such as average time spent on a page; and (iii) to show you targeted marketing information about ACU when you visit other websites. The data gathered provides us with information on how we can improve the design, content and navigation of our website.
Most recent browser versions allow you to set some level of control over which cookies are accepted and how your browser uses them. For example, it may be set to notify you when it is receiving a cookie so that you accept cookies from only known, reliable sites like this one. If you are concerned about cookies, we encourage you to upgrade your browser to a recent version and review its Help section to learn more about its specific control features.
We use reCAPTCHA to help us protect you and our site, by verifying that you are not a robot. In order to do this, reCAPTCHA collects browser and user information, including cookies that have been placed by Google over the last six months, how many mouse clicks you've made on the screen, the date, the language your browser is set to and any plug-ins you've installed on your browser. This information is then sent to Google, so that it can determine if the user is a robot. Use of reCAPTCHA is subject to the Google Privacy Policy and Terms of Service.
To ensure that nobody else can access your personal information, always use the sign out button to end your online banking session. It is located in the top right-hand corner of the site, no matter where you are. When you exit using the sign out button, your session cookie is deleted so that your session cannot be resumed unless your username and password are re-entered.
The online banking feature of this site has been designed to end your session after a period of inactivity. To sign in, you will need to provide your unique username and password again.
To communicate with us electronically, we strongly recommend that you use our Contact Us feature. This feature provides a secure channel for sending us comments, questions or instructions. Alternately, you can also communicate with us through two-secure messaging, once you are signed in to online banking.
General email is not secure since it passes through many points on its route from you to us. If you are using general email to communicate with us, we strongly discourage you from including personal financial information (such as account numbers) within the email as we can't guarantee its confidentiality en route to us.
When you email us your comments, questions or instructions, you provide us your email address and we use it to correspond with you. We then store your email and our replies to you in case we correspond further.
Our site may also contain links to other websites or Internet resources. As an example, from time-to-time we may provide links to Microsoft or Netscape to assist you in upgrading your Internet browser. However, we have no control over these other websites or Internet resources and do not control their collection, use and disclosure of your personal information. Always review the Privacy Statements of the sites that you are viewing.
We welcome any questions or concerns about your privacy relating to use of our website. Please contact us if you have questions or comments.
As we continue to expand our online banking service to serve you better and as new Internet technologies become available, we may update the information on this page at any time, to reflect changes.
Our Privacy Agreement
PRINCIPLE 1 – ACCOUNTABILITY
We are responsible for maintaining and protecting all member personal information under our control and have designated a Privacy Officer who is accountable for our compliance with the 10 principles that comprise this Privacy Agreement and applicable law.
PRINCIPLE 2 – IDENTIFYING PURPOSES
When we ask for your personal information, we identify what it will be used for.
PRINCIPLE 3 – CONSENT
We require your knowledge and consent for the collection, use or disclosure of your personal informa- tion, except where it is required or permitted by law. Consent can be express, implied or deemed. Express consent occurs when you take action to agree to something, such as by signing a form, clicking a box or indicating your agreement verbally. Implied consent occurs when it is reasonable to conclude that, based on the circumstances, you've agreed to something either by action you've taken or declined to take. Deemed consent occurs when you voluntarily provide personal information and your agreement to our use of that information for a particular purpose is obvious.
PRINCIPLE 4 – LIMITING COLLECTION
We collect personal information by fair and lawful means and limit our collection to those details necessary for identified purposes.
PRINCIPLE 5 – LIMITING USE, DISCLOSURE AND RETENTION
We use or disclose your personal information only for the purpose(s) for which it was collected, unless you consent otherwise, or when it is required or permitted by law. We retain personal information only for the time required to fulfill the purpose(s) for which it was collected.
PRINCIPLE 6 – ACCURACY
We maintain and update your personal information as accurately and completely as necessary to fulfill the purposes for which it is used.
PRINCIPLE 7 – SAFEGUARDING MEMBER INFORMATION
We protect your personal information with security safeguards appropriate to the sensitivity level of the personal information.
PRINCIPLE 8 – OPENNESS
We make information available to you concerning the policies and practices that apply to the management of your personal information.
PRINCIPLE 9 – MEMBER ACCESS
At your request, and subject to applicable law, you will be informed of the existence, use and disclosure of your personal information, and be given access to it. You may verify the accuracy and completeness of your personal information provided, and may request that it be amended.
PRINCIPLE 10 – HANDLING MEMBER COMPLAINTS AND SUGGESTIONS
Our Privacy Officer will answer any questions or enquiries you have about this Privacy Agreement or our privacy practices.
Safeguarding your personal information
- All ACU employees are familiar with procedures that safeguard member personal information. The protection of your personal information is specified in our employment agreements and regularly confirmed in writing.
- Every employee is required to pass an annual privacy training course.
- We audit our procedures and security measures regularly to ensure that they are properly administered and remain effective and appropriate.
- We retain your personal information only as long as it is required for the reasons it was collected, or as is required by law. Depending on the product or service and the nature of the personal information, this period may extend beyond your relationship with us but only as long as it is necessary to accomplish the purposes for which it was collected, or as required by law.
- When your personal information is no longer needed, we have procedures in place to securely destroy, delete, erase or convert it to an anonymous form.
- Our systems ensure your Personal Identification Number (PIN), password and other access codes are kept private and confidential. For example, when you use your PIN at an ATM, the code is scrambled after you enter it. In addition, only you know your access codes. Our employees can’t find out what they are and will not ask you to reveal them.
- To help protect your personal information, we offer you the use of biometric services, using facial recognition technology. When you enroll in this program, the technology measures your facial features from an image, and encodes the result in a template of numerical values that are specific to your facial features. Each time you use the program to verify your identity to conduct business with us, the technology maps facial features from the image you provide and then compares the result to your previously registered facial image.
- When you enroll in online services such as CU@HOME Internet banking, the passwords you use are encrypted to ensure data security.
- As part of their contracts with us, our suppliers and agents have confidentiality agreements in place and may not use your personal information for unauthorized purposes.
- We ensure all legal enquiries or orders are valid and disclose only the personal information required or permitted by law to be disclosed.
- We use reCAPTCHA to help us protect you and our site, by verifying that you are not a robot. In order to do this, reCAPTCHA collects browser and user information from you. This information is then sent to Google, so that it can determine if the user is a robot. Use of reCAPTCHA is subject to the Google Privacy Policy and Terms of Service.
- Any email we use to send you information about important financial matters, such as the status of your account or any security breaches, will only be sent through the Secure Email Service. We will not request sensitive financial or personal information by any other email method. Please contact us if you receive an email about these matters that is not sent through the Secure Email Service.
What we collect and why we need it
PRINCIPLE 1 – ACCOUNTABILITY
We are responsible for maintaining and protecting all member personal information under our control and have designated a Privacy Officer who is accountable for our compliance with the 10 principles that comprise this Privacy Agreement and applicable law.
PRINCIPLE 2 – IDENTIFYING PURPOSES
When we ask for your personal information, we identify what it will be used for.
PRINCIPLE 3 – CONSENT
We require your knowledge and consent for the collection, use or disclosure of your personal informa- tion, except where it is required or permitted by law. Consent can be express, implied or deemed. Express consent occurs when you take action to agree to something, such as by signing a form, clicking a box or indicating your agreement verbally. Implied consent occurs when it is reasonable to conclude that, based on the circumstances, you've agreed to something either by action you've taken or declined to take. Deemed consent occurs when you voluntarily provide personal information and your agreement to our use of that information for a particular purpose is obvious.
PRINCIPLE 4 – LIMITING COLLECTION
We collect personal information by fair and lawful means and limit our collection to those details necessary for identified purposes.
PRINCIPLE 5 – LIMITING USE, DISCLOSURE AND RETENTION
We use or disclose your personal information only for the purpose(s) for which it was collected, unless you consent otherwise, or when it is required or permitted by law. We retain personal information only for the time required to fulfill the purpose(s) for which it was collected.
PRINCIPLE 6 – ACCURACY
We maintain and update your personal information as accurately and completely as necessary to fulfill the purposes for which it is used.
PRINCIPLE 7 – SAFEGUARDING MEMBER INFORMATION
We protect your personal information with security safeguards appropriate to the sensitivity level of the personal information.
PRINCIPLE 8 – OPENNESS
We make information available to you concerning the policies and practices that apply to the management of your personal information.
PRINCIPLE 9 – MEMBER ACCESS
At your request, and subject to applicable law, you will be informed of the existence, use and disclosure of your personal information, and be given access to it. You may verify the accuracy and completeness of your personal information provided, and may request that it be amended.
PRINCIPLE 10 – HANDLING MEMBER COMPLAINTS AND SUGGESTIONS
Our Privacy Officer will answer any questions or enquiries you have about this Privacy Agreement or our privacy practices.
What we will do if your information is compromised
PRINCIPLE 1 – ACCOUNTABILITY
We are responsible for maintaining and protecting all member personal information under our control and have designated a Privacy Officer who is accountable for our compliance with the 10 principles that comprise this Privacy Agreement and applicable law.
PRINCIPLE 2 – IDENTIFYING PURPOSES
When we ask for your personal information, we identify what it will be used for.
PRINCIPLE 3 – CONSENT
We require your knowledge and consent for the collection, use or disclosure of your personal informa- tion, except where it is required or permitted by law. Consent can be express, implied or deemed. Express consent occurs when you take action to agree to something, such as by signing a form, clicking a box or indicating your agreement verbally. Implied consent occurs when it is reasonable to conclude that, based on the circumstances, you've agreed to something either by action you've taken or declined to take. Deemed consent occurs when you voluntarily provide personal information and your agreement to our use of that information for a particular purpose is obvious.
PRINCIPLE 4 – LIMITING COLLECTION
We collect personal information by fair and lawful means and limit our collection to those details necessary for identified purposes.
PRINCIPLE 5 – LIMITING USE, DISCLOSURE AND RETENTION
We use or disclose your personal information only for the purpose(s) for which it was collected, unless you consent otherwise, or when it is required or permitted by law. We retain personal information only for the time required to fulfill the purpose(s) for which it was collected.
PRINCIPLE 6 – ACCURACY
We maintain and update your personal information as accurately and completely as necessary to fulfill the purposes for which it is used.
PRINCIPLE 7 – SAFEGUARDING MEMBER INFORMATION
We protect your personal information with security safeguards appropriate to the sensitivity level of the personal information.
PRINCIPLE 8 – OPENNESS
We make information available to you concerning the policies and practices that apply to the management of your personal information.
PRINCIPLE 9 – MEMBER ACCESS
At your request, and subject to applicable law, you will be informed of the existence, use and disclosure of your personal information, and be given access to it. You may verify the accuracy and completeness of your personal information provided, and may request that it be amended.
PRINCIPLE 10 – HANDLING MEMBER COMPLAINTS AND SUGGESTIONS
Our Privacy Officer will answer any questions or enquiries you have about this Privacy Agreement or our privacy practices.
Why we may ask others for personal information about you
PRINCIPLE 1 – ACCOUNTABILITY
We are responsible for maintaining and protecting all member personal information under our control and have designated a Privacy Officer who is accountable for our compliance with the 10 principles that comprise this Privacy Agreement and applicable law.
PRINCIPLE 2 – IDENTIFYING PURPOSES
When we ask for your personal information, we identify what it will be used for.
PRINCIPLE 3 – CONSENT
We require your knowledge and consent for the collection, use or disclosure of your personal informa- tion, except where it is required or permitted by law. Consent can be express, implied or deemed. Express consent occurs when you take action to agree to something, such as by signing a form, clicking a box or indicating your agreement verbally. Implied consent occurs when it is reasonable to conclude that, based on the circumstances, you've agreed to something either by action you've taken or declined to take. Deemed consent occurs when you voluntarily provide personal information and your agreement to our use of that information for a particular purpose is obvious.
PRINCIPLE 4 – LIMITING COLLECTION
We collect personal information by fair and lawful means and limit our collection to those details necessary for identified purposes.
PRINCIPLE 5 – LIMITING USE, DISCLOSURE AND RETENTION
We use or disclose your personal information only for the purpose(s) for which it was collected, unless you consent otherwise, or when it is required or permitted by law. We retain personal information only for the time required to fulfill the purpose(s) for which it was collected.
PRINCIPLE 6 – ACCURACY
We maintain and update your personal information as accurately and completely as necessary to fulfill the purposes for which it is used.
PRINCIPLE 7 – SAFEGUARDING MEMBER INFORMATION
We protect your personal information with security safeguards appropriate to the sensitivity level of the personal information.
PRINCIPLE 8 – OPENNESS
We make information available to you concerning the policies and practices that apply to the management of your personal information.
PRINCIPLE 9 – MEMBER ACCESS
At your request, and subject to applicable law, you will be informed of the existence, use and disclosure of your personal information, and be given access to it. You may verify the accuracy and completeness of your personal information provided, and may request that it be amended.
PRINCIPLE 10 – HANDLING MEMBER COMPLAINTS AND SUGGESTIONS
Our Privacy Officer will answer any questions or enquiries you have about this Privacy Agreement or our privacy practices.
Member Information Access or Privacy Concerns
PRINCIPLE 1 – ACCOUNTABILITY
We are responsible for maintaining and protecting all member personal information under our control and have designated a Privacy Officer who is accountable for our compliance with the 10 principles that comprise this Privacy Agreement and applicable law.
PRINCIPLE 2 – IDENTIFYING PURPOSES
When we ask for your personal information, we identify what it will be used for.
PRINCIPLE 3 – CONSENT
We require your knowledge and consent for the collection, use or disclosure of your personal informa- tion, except where it is required or permitted by law. Consent can be express, implied or deemed. Express consent occurs when you take action to agree to something, such as by signing a form, clicking a box or indicating your agreement verbally. Implied consent occurs when it is reasonable to conclude that, based on the circumstances, you've agreed to something either by action you've taken or declined to take. Deemed consent occurs when you voluntarily provide personal information and your agreement to our use of that information for a particular purpose is obvious.
PRINCIPLE 4 – LIMITING COLLECTION
We collect personal information by fair and lawful means and limit our collection to those details necessary for identified purposes.
PRINCIPLE 5 – LIMITING USE, DISCLOSURE AND RETENTION
We use or disclose your personal information only for the purpose(s) for which it was collected, unless you consent otherwise, or when it is required or permitted by law. We retain personal information only for the time required to fulfill the purpose(s) for which it was collected.
PRINCIPLE 6 – ACCURACY
We maintain and update your personal information as accurately and completely as necessary to fulfill the purposes for which it is used.
PRINCIPLE 7 – SAFEGUARDING MEMBER INFORMATION
We protect your personal information with security safeguards appropriate to the sensitivity level of the personal information.
PRINCIPLE 8 – OPENNESS
We make information available to you concerning the policies and practices that apply to the management of your personal information.
PRINCIPLE 9 – MEMBER ACCESS
At your request, and subject to applicable law, you will be informed of the existence, use and disclosure of your personal information, and be given access to it. You may verify the accuracy and completeness of your personal information provided, and may request that it be amended.
PRINCIPLE 10 – HANDLING MEMBER COMPLAINTS AND SUGGESTIONS
Our Privacy Officer will answer any questions or enquiries you have about this Privacy Agreement or our privacy practices.
Contact our Privacy Office
PRINCIPLE 1 – ACCOUNTABILITY
We are responsible for maintaining and protecting all member personal information under our control and have designated a Privacy Officer who is accountable for our compliance with the 10 principles that comprise this Privacy Agreement and applicable law.
PRINCIPLE 2 – IDENTIFYING PURPOSES
When we ask for your personal information, we identify what it will be used for.
PRINCIPLE 3 – CONSENT
We require your knowledge and consent for the collection, use or disclosure of your personal informa- tion, except where it is required or permitted by law. Consent can be express, implied or deemed. Express consent occurs when you take action to agree to something, such as by signing a form, clicking a box or indicating your agreement verbally. Implied consent occurs when it is reasonable to conclude that, based on the circumstances, you've agreed to something either by action you've taken or declined to take. Deemed consent occurs when you voluntarily provide personal information and your agreement to our use of that information for a particular purpose is obvious.
PRINCIPLE 4 – LIMITING COLLECTION
We collect personal information by fair and lawful means and limit our collection to those details necessary for identified purposes.
PRINCIPLE 5 – LIMITING USE, DISCLOSURE AND RETENTION
We use or disclose your personal information only for the purpose(s) for which it was collected, unless you consent otherwise, or when it is required or permitted by law. We retain personal information only for the time required to fulfill the purpose(s) for which it was collected.
PRINCIPLE 6 – ACCURACY
We maintain and update your personal information as accurately and completely as necessary to fulfill the purposes for which it is used.
PRINCIPLE 7 – SAFEGUARDING MEMBER INFORMATION
We protect your personal information with security safeguards appropriate to the sensitivity level of the personal information.
PRINCIPLE 8 – OPENNESS
We make information available to you concerning the policies and practices that apply to the management of your personal information.
PRINCIPLE 9 – MEMBER ACCESS
At your request, and subject to applicable law, you will be informed of the existence, use and disclosure of your personal information, and be given access to it. You may verify the accuracy and completeness of your personal information provided, and may request that it be amended.
PRINCIPLE 10 – HANDLING MEMBER COMPLAINTS AND SUGGESTIONS
Our Privacy Officer will answer any questions or enquiries you have about this Privacy Agreement or our privacy practices.