Last Updated: 2/20/2024

WESTconsin Credit Union (“us,” “we,” or “our”) may collect, use, protect and share your personal information in accordance with our Privacy Policy. Our Privacy Policy is hereby incorporated into and made part of this Online Privacy Policy (“Policy”), and this Policy supplements our Privacy Policy where applicable.

This Policy explains what personal information we may collect about you from our websites and mobile application (each a “Site” and collectively the “Sites”). Our mobile application is listed in the respective App Stores as WESTconsin Credit Union for both consumer and business use. WESTconsin Credit Union provides the website in the domain WESTconsincu.org and WESTconsin Online (online banking) in the domain WESTconsincuhb.org which is also represented in the use of “Sites" as stated above. This Policy also explains how we use, protect, and share personal information we collect from the Sites.

WESTconsin Credit Union may collect, use, protect and share information about you from a variety of sources, including from you directly, for your use of our financial services and products, from your communications with WESTconsin employees, from your use of our websites or WESTconsin Credit Union’s mobile application and from third party sources.

Your access, use, or interaction with a Site means you acknowledge and agree to the terms and conditions of this Policy. When you use our products or services or otherwise provide us with your personal information, you acknowledge and consent to our collection, use, and sharing of your personal information as described in this Policy, subject to appliable law and other notices you may have received based on your membership with us.

If at any time you do not accept the terms and conditions outlined in the Policy, please do not provide us with personal information through a Site or otherwise access, use or interact with a Site.

Updates to Policy

This Policy may be updated over time. When an update occurs, we will notify you by reasonable means, such as posting the revised Policy to this page along with updating the “Last Updated” date at the top of this page.  Any updates to our Policy will be effective when posted unless otherwise indicated.

When updates to the Policy occur, your inaction or continued use of our services and products, including access to our websites or mobile application, after such updates indicates that you acknowledge and agree to these changes.

Collection of Information

We collect personal information as allowed by appliable law and as described in this Policy. The exact types of personal information we collect from and about you will depend on how you choose to interact with us.

When you access, use, or interact with a Site, you may provide personal information to us, and we may collect personal information based on your consent, instructions, or requests provided to us, this allows us to best serve you and your financial needs. In addition, we may also automatically collect information from your device the applications you use to access products and services, from third party sources and the Sites.

• Contact Information
  • This may include and is not limited to name, business name, mailing address, physical address, email address, and phone number(s).
• Application Information
  • This may include and is not limited to credit, employment, and income information.
• Identifiable Information
  • This may include and is not limited to Social Security Number, member number, account number, internal or user ID, demographic information, driver’s license or other acceptable physical identification number, signature, and other information that identifies you.
• Authorization Information
  • This may include and is not limited to usernames, alias, PIN, passwords, security questions and answers, and biometrics when accessing mobile applications.
• Site Usage Information
  • This may include and is not limited to time and date of access and exit, referral data on how you reached the Site, length of visit, pages or sections view withing the Site, links clicked, third party sources accessed, and other interactions with the Site.
• Device Information
  • This may include and is not limited to unique device identifiers (e.g., IP address), browser type, device type and network, geographic location, etc.
  • WESTconsin’s Mobile App should you choose to use it may collect certain information from the application and your mobile device, including but not limited to geographic location information, unique device identifier information, and Site data.

We may collect this information through cookies, floodlight tags, web beacons, tracking pixels, heatmaps, and/or similar tracking technologies, and log files. Website data alone (i.e., when it is not associated with other personal information) is not deemed to be personal information.

Some features of a Site and/or mobile applications may request access to data located on your device, this may include biometrics, camera, images, contacts, and geographical location data. This access will be requested through an on-screen prompt, and if access is not allowed, the feature requiring that data will not be fully functional. Location data is collected to provide location-based messages, offers and interactions. WESTconsin Credit Union's Mobile App collects location data to enable push notifications even when the app is closed or not in use. Data is also used to support promotional offers from WESTconsin Credit Union. If you use any location-based feature within WESTconsin’s Mobile App, you agree that your geographic location and other personal information may be accessed and disclosed by WESTconsin Credit Union. If you wish to revoke access to such information, you must cease using locations-based features of our mobile application via your device’s settings.

We use “cookies” on our Sites. A cookie is a piece of data stored on a site visitor’s device to help us improve your access to our Sites and identify repeat visitors to our Sites. For instance, a cookie is used to identify unique identifiers to save time when accessing and browsing the sites. Cookies can also enable us to track and target the interests of our users to enhance the experience on our Site. The usage of a cookie is in no way linked to any personally identifiable information on our Sites.

WESTconsin Credit Union does not seek to collect, nor does WESTconsin Credit Union knowingly collect information from children under 13. Our Sites are not marketed to individuals under the age of 13, and we request that these individuals do not provide personal information through our Sites.

Third Party Sources

We may provide products, services and links to other websites including but not limited to credit bureaus, service providers, card processors, merchants, and business partners.  Please be aware that we are not responsible for the content or privacy practices of other websites. We encourage users to be aware when they leave our Sites or mobile application to read the privacy and security policies and terms and conditions of other websites that may collect personally identifiable information. Please be advised that if you should enter into a transaction on the third-party website, WESTconsin Credit Union does not represent either the third party or you.

We use a tool called “Google Analytics” to collect information about use of our Sites across devices. We have implemented the Remarketing and AdWords feature of Google Analytics. The Remarking feature allows us to serve you relevant advertising on third party websites if you have visited our Site, however accessed, but does not personally or directly identify you. AdWords allows us to manage our advertising and collect information about your visit to our Site. Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ad Settings. You can opt-out of Google Analytics without affecting how you visit our Site. For more information on opting out of being tracked by Google Analytics, visit this Google page.

We may use third-party providers to process personal information for business purposes on our behalf. Third-party providers are contractually obligated to comply with our policies to protect personal information that we share with them or that they collect on our behalf.

To protect you, we may use tools and services provided by third parties to help us decide whether to accept submissions from personal computers, mobile phones or other devices. These third-party providers may check whether user devices have been identified with fraudulent or abusive transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks. For this purpose, a cookie, flag storage token, or other code file may be placed on  your device to identify it in the future when you visit our website or connect with our online applications.  If you set your browser or device to reject these cookies or tokens, you may not be able to access some of the features of our Websites or other online applications.

When you access our Websites or other online applications, we will transmit this third-party device identification code to the third-party provider, along with data concerning certain technical attributes of your device such as the model, operating system, and browser version, as well as the IP address (all of which are used to confirm device identification). We may then receive information from these third-party providers indicating that submissions from a user’s device should not be accepted. We may also inform such third-party providers if we determine that a device has been used in connection with fraudulent or abusive transactions with us. In addition, in certain situations, we may share with one or more of these third party providers certain personal identifying information and information about the device you are using. If you receive a message from us indicating that a requested submission has not been processed, we will provide appropriate customer service contact information.

Updating Your Personal Information

It is important that we have accurate and up-to-date information about you.  If your personal information is incomplete, inaccurate, or not current, please contact us using the contact information contained in the Contact Us section of the Site(s). You may also call us at (800) 924-0022 or visit us at any of our office locations. You can also review and request changes to certain personal information such as your phone number, mailing address and email address through WESTconsin Online (branded online banking Site) or our Mobile App.

Security

We protect your personal information as required by applicable law and as described in this Policy. To protect your personal information from unauthorized access and use, we use security measures that comply with applicable federal and state law. These measures may include device safeguarding, secured files and buildings, regular tests and review of our processes and system, and oversight of our third-party providers to ensure personal information remains confidential and secure. Please note that while privacy is extremely important to use, the Internet is open to threats, viruses, and intrusions from others. We cannot promise that we will be able to always protect your personal information and in all circumstances. We cannot guarantee the security and privacy of transmissions via the Internet, and we cannot control which, if any, security, and privacy measures you or others may take. There is always some inherent risk when using the Internet. Except as otherwise required by applicable law, we will not be liable for any deficiency in your or others’ security or privacy measures related to communications via the Internet, your use of our products or services or your access to, use of, or interaction with a Site. To the extent allowable by applicable law, you agree that you will not hold us liable for any damages arising or related to such deficiency in your or others’ security or privacy measures. In case of a data breach, we will provide timely notifications required by applicable law.

Click here to learn more about privacy and security practices.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third-party provider outside of our organization, other than as necessary to fulfill your request (e.g., to ship an order).

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.

Using and Sharing Your Personal Information

We use and share your personal information as allowed by applicable law and as described in this Policy. Our Privacy Policy also provides information about how you may limit certain types of sharing.

We may use your personal information for many purposes, including by not limited to:

• Delivering products and services
• Processing applications for products and services
• Processing requested transactions
• Provide relevant alerts/notifications and other transactions
• Verifying identity
• Locating nearby ATM or office locations and providing other specialized location-based services
• Personalizing Sites
• Personalizing products and services offered
• Personalizing and sending advertisements that market our products and services
• Detecting and preventing fraud, identifying theft, and other risks to you and us
• Performing analytics concerning your use of our products and services
• Complying with and enforcing applicable legal requirements, contractual obligations, and our business policies
• Allowing the use of specialized features within the Sites if provided consent to access certain required device information
• Personalizing and otherwise enhancing products and services
• Supporting our internal business purposes
• Supporting and providing joint marketing with other third-party providers
• For our affiliates’ marketing purposes
  • You may limit this sharing. Please see our Privacy Policy for more information.

We may share your personal information with third party providers as necessary to enable or support your use of various products and services. This includes sharing your personal information with affiliates and non-affiliated third parties in accordance with the practices set forth in our Privacy Policy.

We do not and will not sell your personal information.

If we are involved in any merger, acquisition, sale of company assets, transition of service to another provider, or insolvency, bankruptcy, or receivership, we reserve the right to transfer your personal information in connection with such transaction.

Our use and sharing of your personal information are subject to other legal restrictions and notices you may have received depending on your relationship with us.

Opt-Out

You may opt-out of receiving certain communications at any time. You can do the following at any time by contacting us via the email address or phone number listed on our Site.

• See what data we have about you if any
• Change/correct any data we have about you
• Have us delete any data we have about you
• Express any concern you have about our use of your data