The Golden 1 Credit Union Online Privacy Policy


Last Updated: April 29, 2024

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.

Information we collect about you and how we collect it

When you visit our Sites, you may be asked to provide information about you that is personally identifiable ("Personal Information"). This may include:

For purposes of this chart the term "Contact Information" includes the following: (i) first and last name, (ii) physical or home address, (iii) Phone number, and (iv) Tax ID
Category of processing activity Data Collected
Account Opening & Modification Contact Information
Driver's license image
Citizenship
Mother's maiden name
Social Security Number
Website and/or Mobile Application Visitors and Advertising IP Address
Browser and operating system for device accessing Sites
Unique identifier of the device
Date and time stamp of Site access
Location information
Internet address from the site from which you
linked directly to our Site(s)
Recently visited web pages
Branch and ATM Locator Mobile device information
Geolocation data
Marketing Promotions and Sweepstakes Contact Information
Photos and recordings

Information we share with third parties

All financial companies need to share members' personal information to run their everyday business. Please see the Golden 1 Federal Privacy Policy for information on the reasons financial companies can share their members' personal information; the reasons Golden 1 Credit Union chooses to share; and whether you can limit this sharing.

Data Collection and Usage for Analytics and Advertising

Golden 1 Credit Union's website employs a variety of analytics and advertising technologies to enhance the user experience, understand user behavior, and deliver targeted advertisements. These technologies include, but are not limited to, web analytics services, advertising pixels, and tracking cookies. The purpose of these tools is to analyze how users interact with the site, track user journeys, measure the effectiveness of marketing campaigns, and personalize content and advertisements based on user preferences.

Analytics Services

Golden 1 Credit Union utilizes analytics services to collect and analyze data related to website usage. The data collected may include technical details such as IP addresses, browser types and versions, device types, and operating systems, as well as usage specifics like the pages accessed, links engaged with, and duration of visits. The insights gained from this data are utilized to improve site performance and enhance the user experience.

Advertising Pixels

The website of Golden 1 Credit Union may utilize advertising pixels from various advertising platforms. These pixels are employed to track user activities on the site, measure the effectiveness of advertising campaigns, and deliver targeted advertisements based on user interests and behavior.

Third-party advertisers

Golden 1 Credit Union may contract with third parties in order to provide you with content which you may be interested in. As a result, these third parties will observe your interests and navigation history across the web via the use of cookies and other tracking technologies. By making these observations of your browsing history, these third parties can offer you more relevant content which you may be interested in. This content includes content from the Golden 1 Credit Union website, or other similarly related websites. Should you wish to opt-out of this kind of retargeting, you may visit the Network Advertising Initiative's "opt-out" page available at https://optout.networkadvertising.org. In the alternative, you may set your browser to refuse third-party cookies. However, if you do not accept cookies on your browser, some of the features of the website may not work. Nor will cookie-based opt-outs (like the NAI opt-out just discussed) work.

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. Our website employs first-party cookies to elevate the overall user experience and monitor your interactions on the Site. These cookies are directly set by our domain, meaning if you're on "golden1.com", the first-party cookies on your device originate from "golden1.com". Their primary roles include:

  • differentiating between individual users
  • recalling user preferences and settings
  • verifying user identities
  • retaining items in shopping carts
  • and overseeing other core functionalities that are essential for smooth website operation.

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.

Importantly, all information gathered by these cookies remains under our management and control, ensuring that the data is exclusively utilized by our organization to enhance your browsing experience on our platform.

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 technologies discussed above 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, Adobe through Your Privacy Choices 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. For Adobe's information on cookies, visit here.

Web browser "Do Not Track"

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. 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.

California Privacy Rights

The California Consumer Privacy Act (CCPA) provides California residents with specific rights regarding their personal information. For more information, read Golden 1's CCPA Privacy page.

Social Media

Golden 1 is committed to protecting the privacy and integrity of its members (for more information, review Golden 1's Privacy and Security page). We will never share member information with any third parties. For any questions or concerns about a social media platform's privacy policy, please contact that specific social media platform.

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

 
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