Last Updated: October 31, 2023
Strata Credit Union ("Credit Union" or "We") respects your privacy and is committed to protecting it through our compliance with this policy.
This policy describes the types of information we may collect from you or that you may provide when you visit our website www.stratacu.org, or use our Strata Credit Union Mobile Banking Application, (our "Sites") and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This policy applies to information we collect:
· On our Sites.
· In email, text, and other electronic messages between you and our Sites.
· When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
It does not apply to information collected by:
· Us offline or through any other means, including on any other website operated by the Credit Union or any third party (including our affiliates and subsidiaries); or
· Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.
Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Sites. By accessing or using our Sites, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of our Sites after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.
Children Under the Age of 16
Our Sites are not intended for children under 16 years of age. No one under age 16 may provide any information to or on the Sites. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on our Sites or on or through any of its features. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at:
1717 Truxtun Avenue
P. O. Box 1667
Bakersfield, CA 93302
Call_Center@stratacu.org
(800) 336-5376, or (661) 327-9461
California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see Your California Privacy Rights for more information.
Information We Collect About You and How We Collect It
We may collect several types of information from and about users of our Sites, including information:
· By which you may be personally identified, such as name, postal address, e-mail address, telephone number and the contents of your communications with us ("personal information").
· That is about you but individually does not identify you, such as name or other online identifier, IP address, website interactions, geolocation, device identifier and keystrokes; and/or
· About your internet connection, the equipment you use to access our Sites, and usage details.
We collect this information:
· Directly from you when you provide it to us.
· Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies.
· From third parties, for example, our business partners.
Information You Provide to Us.
The information we collect on or through our Sites may include:
· Information that you provide by filling in forms on our Sites. This includes information provided at the time of registering to use our Sites, applying for, or obtaining a financial product or service. We may also ask you for information when you report a problem with our Sites.
· Records and copies of your correspondence (including email addresses) if you contact us.
Information We Collect Through Automatic Data Collection Technologies.
As you navigate through and interact with our Sites, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
· Details of your visits to our Sites, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Sites.
· Information about your computer and internet connection, including your IP address, operating system, and browser type.
We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). The information we collect automatically is only statistical data and does not include personal information. It helps us to improve our Sites and to deliver a better and more personalized service, including by enabling us to:
· Estimate our audience size and usage patterns.
· Store information about your preferences, allowing us to customize our Sites according to your individual interests.
· Speed up your searches.
· Recognize you when you return to our Sites.
The technologies we use for this automatic data collection may include cookies (or browser cookies). A “cookie” is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Sites. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Sites.
We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.
Third-Party Use of Cookies and
Other Tracking Technologies
Some content or applications, including advertisements, on the Sites are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Sites. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different Sites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.
We do not control these third
parties' tracking technologies or how they may be used. If you have any
questions about an advertisement or other targeted content, you should contact
the responsible provider directly.
We use information that we collect about you or that you provide to us, including any personal information:
· To present our Sites and its contents to you.
· To provide you with information, products, or services that you request from us.
· To fulfill any other purpose for which you provide it.
· To provide you with notices about your account.
· To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
· To notify you about changes to our Sites or any products or services we offer or provide through it.
· To allow you to participate in interactive features on our Sites.
· In any other way we may describe when you provide the information.
· For any other purpose with your consent.
We may also use your information to contact you about goods and services that may be of interest to you. If you do not want us to use your information in this way, please contact us at via email at Call_Center@stratacu.org, or toll-free at 1-800-336-5376.
Disclosure of Your Information
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.
We may disclose personal information that we collect, or you provide as described in this privacy policy:
· To our subsidiaries and affiliates.
· To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
· To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Strata Credit Union's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Strata Credit Union about our Sites users is among the assets transferred.
· To fulfill the purpose for which you provide it.
· For any other purpose disclosed by us when you provide the information.
· With your consent.
We may also disclose your personal information:
· To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
· and other agreements, including for billing and collection purposes.
· If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Strata Credit Union, our customers, or others.
Accessing and Correcting Your Information
You can review and make limited changes to your personal information by logging into the Sites and visiting your account profile page.
You may also send us an email at Call_Center@stratacu.org to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Sites, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Sites like message boards. The information you share in public areas may be viewed by any user of the Sites.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Sites. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Sites.
It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users' personal information, we will notify you by appropriate means, such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to our policy will become effective when posted unless indicated otherwise. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our website and this privacy policy to check for any changes.
To ask questions or comment about this privacy policy and our privacy practices, contact us at:
Mail: 1717 Truxtun Avenue
P. O. Box 1667
Bakersfield, CA 93302
Email: Call_Center@stratacu.org
Phone: (800) 336-5376, or (661) 327-9461