Last Updated: February 16, 2021

At the Golden 1 Credit Union (“Golden 1”, “Credit Union,” “we”, “our”, “us”), we respect your right to privacy and understand the importance of maintaining the security of your personal information. This Online Privacy Policy (“Policy”) only relates to the information we collect online through https://www.golden1.com, our online banking platform and mobile banking application (collectively, the “Sites”). We ask that you read this Policy carefully. By using any of the Sites, you consent to this Policy.

This Policy may be revised or modified at any time without notice to you, and any updates to this Policy will be posted on this page with the updated effective date appearing at the top of the page. Your use of the Site(s) following these changes means that you accept the revised Policy.

This statement is in addition to Golden 1’s Federal Consumer Privacy Policy (“Federal Privacy Policy”) and Golden 1’s CCPA Privacy Notice for California Residents. We’ll use and share any information that we collect from or about you in accordance with these policies. 

What types of information do we collect about you?
When you visit our Sites, 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. 

In addition, we may collect and store the following information about your visit: the internet protocol (“IP”) address from which you access our Site(s); the type of browser and operating system used to access our Site(s); the unique identifier of the device from which you access our Site(s), device settings, and other device-identifying technical data; the date and time you access our Site(s); information about your location; the Internet address of the site from which you linked directly to our Site(s); the pages you visit and the information you request; and analytical information that may assist with diagnostics and performance.  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 on or through our Sites that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions).

Will we share this information with third parties?
Please see the Golden 1 Federal Privacy Policy for information on how we may share your Personal Information.

How do we use Google Analytics?
We use Google Analytics to better understand how users are visiting and using our Sites. We do not use Google Analytics to track, collect or upload any data that personally identifies an individual (such as name, address or email address) or other data which can be reasonably linked to such information by Google. We do not receive personally identifiable information about users on our Sites. 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 www.google.com/policies/privacy/partners/.

How do we use Google AdWords?
We also use Google AdWords for online marketing purposes. Google AdWords allows us to advertise our Sites. In the future, we may use Google AdWords for additional features, such as to “remarket”, which means that we are able to reach people who previously visited our Sites. We may also use Google AdWords to reach target audiences based on Google AdWords features. For example, we may use it to reach users based on specific interest categories, similar audiences, or use other types of interest-based advertising and demographic and location targeting. We gather information about users for advertising and remarketing purposes through the use of Google AdWords, but we do not collect personally identifiable information (such as your name, email address or address) for advertising purposes, and we do not share personally identifiable information with Google.

In conjunction with our use of Google AdWords, Google, or third-party vendors it uses, may show our advertisements on websites across the internet and may use cookies to deliver advertisements to you based on your past visit(s) to our Sites. For more information about cookies, see “What are cookies, and how do we use them?” below.

Do we use other third-party advertisers?
We do not currently use other third parties to advertise our Sites, but we reserve our rights to do so in the future. If we choose to partner or associate with additional third-party advertisers, we may amend our Policy. Any updates to our Policy will be posted on this page and are effective at the time of posting.

What are cookies, and how do we use them?
We employ the use of “Cookies.” Cookies are small files containing limited data that are created when you access our Sites. Cookies can be accessed by our Sites to enhance your use of our Sites and their functionality. We use cookies to provide you with an improved and more personalized online service. Also, without revealing your identity, cookies help us confirm your identity and help us keep your transactions with us secure when you do your banking online. We also use cookies for various administrative purposes such as maintaining continuity during an online banking session, gathering data about the use of our Sites or monitoring our online promotions. This information helps us inform you about additional products, services or promotions that may be of interest to you. 

We do not use or associate personally identifiable information (such as your name, address or email address) with cookies, and cookies do not reveal personal information. You may elect to set your web browser to inform you when cookies are set or turn off cookies by adjusting the appropriate settings on your browser. Please consult the HELP menu of your browser to learn how to turn your cookies off. If you turn off your cookies you may find your use of the internet or our Sites is impaired or otherwise limited and some online banking functions may not work properly.

Some of our business partners or associates (for example, advertisers) may use cookies on our site. However, we have no access to or control over those cookies. In conjunction with our use of Google AdWords (discussed above), Google, or third-party vendors it uses, may show our advertisements on websites across the internet. Google may also use cookies to deliver advertisements to you based on your past visit(s) to our Sites. You may opt out of Google’s use of cookies by visiting Google’s Ad Settings or opt-out of a third party vendor’s use of cookies by visiting the Network Advertising Initiative Opt-Out Page. More information about how Google uses cookies is available here and here. 

What do we do when your web browser sends a “Do Not Track” signal?
We do not acknowledge “Do Not Track” signals received from a user’s browser. We may still collect information even if you have set your browser to send a “Do Not Track” signal.

How do we protect your information, confidentiality and security?
Golden 1 is committed to protecting your personal information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your Personal Information. You can read more about some of our security programs here. 

How can you make sure your information is accurate?
Keeping your account information accurate and updated is very important. If you are a registered online banking user, you may review and maintain your information by logging into the online banking platform and selecting the “Self-Services” link.

You can also request and/or update your information by visiting a branch or by contacting us at the Member Service Contact Center (1-877-465-3361) or through one of the methods available here.

Children’s Online Privacy Protection Act 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. Golden 1 is committed to protecting the online privacy of the children who visit our Sites and complying with COPPA.

In general, our Sites are 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 Sites. We do not knowingly collect information from children under 13 without parental consent. 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 Sites. Please visit the Federal Trade Commission website (www.ftc.gov) for more information about COPPA.

Links to other sites
Our Site(s) may contain links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our Site(s) and to read the privacy statements of any other site that collects personally identifiable information.

Questions?

Please contact us with questions about this Policy at 1-877-465-3361 or write to us at:
Golden 1 Credit Union
P.O. Box 15966
Sacramento, CA 95852-0966