As a general policy, UBCCU does not automatically collect personal information from users of its Web site. UBCCU does collect and store: information on the domain a user uses to access its Web site, the Internet address of the Web site from which a user links to the Web site and the date and time of the visitor's visit to the Web site. This information is used for statistical purposes to measure the number of visitors to its Web site and the route a user travels while within the Web site to better serve users in improved design and site navigation.
Personal identification (i.e.: account number, user identification, password) is collected when a valid credit union member with active credit union account(s) has entered the secure Internet banking area of the credit union's Web site. This information enables the credit union to regulate access of this information to those who request such access and those entitled to perform transactions on these account(s).
United Bay Community Credit Union does not sell or provide any member information to any list service. We will disclose information to third parties about your account or the transactions you engage in: (a) where it is necessary for completing transfers or transactions, or to send notice of dishonor or nonpayment; or (b) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (c) to our accountants, attorneys or other professional advisors; or (d) to credit union or financial institution regulators; or (e) to advise third parties of accounts closed for misuse; or (f) when we are attempting to collect an obligation owed to us; or (g) in order to comply with government agency or court orders, subpoenas and other legal documents, or (h) if you give UBCCU your permission.
UBCCU provides several online form resources (i.e.: loan application, information request form) to better serve the needs of its members. Personal information provided by a user via any of the credit union's online forms is used by UBCCU only to process the member's request for service. All information that passes between UBCCU's Web site and the user's PC is encrypted to protect the user's privacy.
Personal information transmitted to UBCCU may be used by credit union staff to respond to inquiries for service or information or improve the service the credit union provides. Since e-mail communication may not be secure against interception by unauthorized individuals, users should seek alternatives to e-mail when it is necessary to provide sensitive or personal information.