We are committed to safeguarding the privacy of all of our website visitors.
With respect to security: We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site.
OCFCU is committed to protecting your privacy when you visit www.ohiocatholicfcu.com. When you visit the Site, we may collect personal information from you by which you can be identified, including without limitation your name, email address, and credit card information (“Personal Information”). You may visit our Site without providing Personal Information; however, if you do so, some functionality of the Site may remain unavailable to you.
Our third-party hosting company will also collect additional, non-personally-identifiable information from you (“Non-Personally-Identifiable Information”, together with Personal Information collectively referred to as “Information”), including without limitation the URL you came from, your IP address, your domain name, your browser type, the country and state where your server is located, and the pages that were viewed during your visit to our Site. All Information is kept on a secure server to protect it from disclosure to outside parties.
Personal Information Collected
OCFCU may, without limitation, collect the following Personal Information from you when you visit our Site:
- information about your device including your IP address, geographical location, browser type and version, and operating system
- information about your visits to our website and the use of this website, including the referral source, length of visit, page views, and website navigation paths
- your email address, that you enter when you register with our website
- information that you enter when you create a profile on our website—for example, your name, profile pictures, gender, birthday, relationship status, interests and hobbies, educational details, and employment details
- your name and email address that you enter in order to create subscriptions to our emails and/or e-newsletters
- information that you enter while using the services on our website
- information that is generated while using our website, including when, how often, and under what circumstances you use it
- information relating to anything you purchase, services you use, or transactions you make through our website, including your name, address, telephone number and email address
- information contained in any communications that you send to us by email or through our website, including its communication content and metadata
- any other personal information that you send to us.
Uses of Personal Information Collected
OCFCU collects the Personal Information set forth above to improve the website and our services offered, and to provide you with better service. In particular, we may use your Personal Information (and other Information) for the following purposes, without limitation:
- administering our website and business
- to customize/personalize this website based on user interests
- enabling your use of the services available on our website
- sending you goods and/or programs purchased through our website
- supplying and/or fulfilling services purchased through our website
- sending statements, invoices, and payment reminders to you, and collecting payments from you
- sending you non-marketing commercial communications
- sending you email notifications that you have specifically requested
- sending you our email newsletter, if you have requested it (you can opt out at any time if you no longer require the newsletter);
- sending you marketing communications relating to our business or the businesses of carefully-selected third parties which we think may be of interest to you, by post or, where you have specifically agreed to this, by email or similar technology (you can opt out at any time if you no longer require marketing communications);
- providing third parties with statistical information about our users (third parties will not be able to identify any individual user from that information);
- dealing with inquiries and complaints made by or about you relating to our website;
- keeping the website secure and to prevent fraud;
- verifying compliance with the terms and conditions governing the use of our website
- sending you useful information about our programs, products and/or services
- for enhancing this website’s operations
- for statistical purposes
- to improve our products, programs and/or services
- to maintain the integrity of the information and services provided on this website
- other uses.
If you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the license you grant to us.
Your privacy settings can be used to limit the publication of your information on our website and can be adjusted using privacy controls on the website.
OCFCU does not sell or rent your Information to others. Except as set forth herein, and unless required by law, we will not distribute your Personal Information to third parties without your permission.
Disclosing Personal Information
We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers, or subcontractors as may be reasonably necessary for the purposes set forth in this policy.
We may disclose your personal information to any member of our group of companies which may include our subsidiaries, our ultimate holding company and all its subsidiaries, as is reasonably necessary for the purposes set forth in this policy.
We may disclose your personal information:
- if we are required to do so by law
- in connection with any ongoing or prospective legal proceedings
- to establish, exercise, or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
- to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling; and
- to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.
Except as provided in this policy, we will not provide your personal information to third parties.
Retaining Personal Information
- Our data retention policies and procedure are designed to help ensure that we comply with our legal obligations regarding the retention and deletion of personal information.
- Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.
- We will retain documents, including electronic documents, containing personal data:
- to the extent that we are required to do so by law
- if we believe that the documents may be relevant to any ongoing or prospective legal proceedings
- to establish, exercise, or defend our legal rights, including, but not limited to, providing information to others for the purposes of fraud prevention and reducing credit risk.
Security for Personal Information
OCFCU is committed to ensuring that your Personal Information is secure. To prevent unauthorized access or disclosure of your Personal Information, we use suitable, industry-standard physical, electronic, and managerial procedures to safeguard and secure the Personal Information that we collect via the Site.
- We will take reasonable technical and organizational precautions to prevent the loss, misuse, or alteration of any of your personal information you have provided.
- We will store all personal information you provide on our secure, password- and firewall-protected, servers.
- Any and all electronic financial transactions entered into our website will be protected by encryption technology.
- You acknowledge that the transmission of any information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
- You are responsible for keeping the password you use for accessing our website confidential. We will never ask you for your password, except when you securely log in to our website.
Third party websites
Correcting Your Personal Information
You may request details about your Personal Information that OCFCU holds by emailing us at email@example.com. If you believe that any of your Personal Information is incorrect or incomplete, please email us at the foregoing email address to request correction. Upon receipt of your email, we will correct any of your Personal Information found to be incorrect.
The names of the cookies that we use on our website and the purposes for which they are used are set out below:
- We may use Google Analytics, Google AdWords, Facebook, CrazyEgg and Mouseflow cookies on our website to recognize a computer when a user:
- visits the website
- track users as they navigate the website
- improve the website’s usability
- analyze the use of the website
- administer the website
- prevent fraud and improve the security of the website
- personalize the website for each user
- target advertisements which maybe be of particular interest to specific user
- Most browsers allow you to refuse to accept cookies—for example:
- in Internet Explorer (version 10) you can block cookies using the cookie handling override settings available by clicking “Tools,” “Internet Options,” “Privacy,” and then “Advanced”
- in Firefox (version 24) you can block all cookies by clicking “Tools,” “Options,” “Privacy,” selecting “Use custom settings for history” from the drop-down menu, and unticking “Accept cookies from sites”
- in Chrome (version 29), you can block all cookies by accessing the “Customize and control” menu, and clicking “Settings,” “Show advanced settings,” and “Content settings,” and then selecting “Block sites from setting any data” under the “Cookies” heading.
- Blocking all cookies may have a negative impact upon the usability of many websites. If you block cookies, you will not be able to use all the features on our website.
- You can delete cookies already stored on your computer—for example:
- in Internet Explorer (version 10), you must manually delete cookie files (you can find instructions for doing so at http://support.microsoft.com/kb/278835 )
- in Firefox (version 24), you can delete cookies by clicking “Tools,” “Options,” and “Privacy”, then selecting “Use custom settings for history”, clicking “Show Cookies,” and then clicking “Remove All Cookies”
- in Chrome (version 29), you can delete all cookies by accessing the “Customize and control” menu, and clicking “Settings,” “Show advanced settings,” and “Clear browsing data,” and then selecting “Delete cookies and other site and plug-in data” before clicking “Clear browsing data.”
- Deleting cookies may have a negative impact on the usability of many websites.
OCFCU collects information through cookies and other similar technologies. We may use third parties to provide advertisements for other websites that may be of interest to you, based on Information collected about your use of our Site and other websites. To do this, these OCFCU and/or these third parties may place or recognize a unique cookie on your browser, which may include without limitation the use of pixel tags and/or web beacons. You can choose to accept or decline cookies; most browsers automatically accept cookies unless you modify settings to decline them. However, declining to accept cookies may prevent you from taking full advantage of the Site. Further, OCFCU does not recognize automated browser signals regarding tracking mechanisms, which may include “do not track” instructions.
OCFCU also uses web analytics services, which currently include without limitation Google Analytics, and Crazy Egg and Mouseflow analytics. Although we currently use the foregoing analytics services providers, OCFCU reserves its right, within its sole discretion, to change analytics services providers, or to add additional analytics services providers, without notice to you.
OCFCU currently uses Google AdWords, Facebook, and Bing Remarketing Services as remarketing services providers. OCFCU reserves its right, within its sole discretion, to change remarketing services providers, or to add additional remarketing services providers, without notice to you.
You can set preferences for how Facebook advertises to you or opt out in your browser or device settings.
To opt out of Bing or another third party, you may use the NAI opt-out tool, which will allow you to opt out of targeted ads from NAI-approved member companies. The advertisers we use are members of the Network Advertising Initiative (NAI) and adhere to the NAI Code of Conduct.
If you feel that this site is not following its stated information policy, you may contact us at the above address or phone number or contact the Federal Trade Commission by phone at 202.FTC-HELP (202.382.4357), or electronically using the FTC Complaint Assistant.
Our Contact Information
Our postal address is:
Ohio Catholic Federal Credit Union
13623 Rockside Rd
Garfield Heights, OH 44133
We can be reached via email at firstname.lastname@example.org, or you can reach us by telephone at 888-696-4462.