Privacy Policy
Effective date: April 30, 2026
This Privacy Policy explains how BCU Online (“we,” “us,” or “our”) handles personal information when you visit our website, use our digital banking experiences, or interact with related services. This document is written for transparency; your final disclosures should be reviewed by qualified counsel before publication.
Information we may collect
- Identifiers and contact details such as name, mailing address, email address, and phone number.
- Financial identifiers needed to provide banking or lending services, subject to applicable law.
- Device and usage data such as IP address, browser type, pages viewed, and diagnostic events that help secure sessions.
- Communications you send to us, including customer support messages and optional survey responses.
How we use information
We use personal information to operate accounts, authenticate users, process transactions, detect fraud, comply with legal obligations, improve digital experiences, and communicate service updates you reasonably should receive.
Sharing
We may share information with service providers that perform functions on our behalf (for example, hosting, analytics, or payment processing), and when required by law or to protect rights and safety. We do not sell personal information as a line of business.
Your choices
Depending on your location, you may have rights to access, correct, delete, or restrict certain processing. Submit requests through the contact methods on our Contact page, and we will verify identity before fulfilling sensitive requests.
Security
We use administrative, technical, and physical safeguards designed to protect personal information. No online system is perfectly secure; please use unique passwords and monitor account activity regularly.
Updates
We may revise this policy from time to time. Material changes will be communicated through reasonable channels, and the updated policy will note a new effective date.
Cookies and analytics
We may use cookies and similar technologies to keep sessions functional, measure site performance, and improve digital banking usability. You can adjust browser settings to manage cookie behavior, though some features may be limited.
Data retention
We retain data for as long as needed to provide services, meet legal and regulatory requirements, resolve disputes, and enforce agreements. Retention windows vary by data type and jurisdiction.
FAQ: privacy in digital banking
Do you sell personal information?
No. We do not sell personal information as a core business model. Data sharing is limited to service delivery, legal obligations, and security purposes.
How do I request access or deletion?
Use the contact channels on our Contact page. We verify identity before processing sensitive privacy requests.
How can I protect my account privacy?
Use strong passwords, enable multi-factor authentication, and avoid sharing verification codes with anyone.