Facts: What does Beacon Credit Union do with your personal information?
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include: * Social Security Number * Account balances * Loss history * Credit scores * Mortgage rates and payments * Payment history When you are no longer a member, we continue to share your information as described in this notice. |
| How? | All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Beacon Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Beacon Credit Union share? | Can you limit this sharing? |
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes - to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates' everyday business purposes - information about your transactions and experiences | Yes | No |
| For our affiliates' everyday business purposes - information about your creditworthiness | No | We don't share |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
Questions?
Call toll-free (800) 762-3136 or email beaconcu@beaconcu.org
| What we do | |
| How does Beacon Credit Union protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does Beacon Credit Union collect my personal information? | We collect your personal information, for example, when you: * Open an account * Give us your income information * Apply for a loan * Provide account information * Make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| Why can't I limit all sharing? | Federal law gives you the right to limit only: * sharing for affiliates' everyday business purposes - information about your creditworthiness * affiliates from using your information to market to you * sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
| Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial and non-financial companies. * Our affiliates include: Companies owned by Beacon Credit Union such as Beacon Ag Services. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and non-financial companies. * Beacon Credit Union does not share with nonaffiliates so they can market to you. |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. * Our joint marketing partners include insurance companies and credit card companies. |
| Other Important Information | |
| For Alaska, Illinois, Maryland and North Dakota Members: | We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. |
| For California Members: | We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. |
| For Massachusetts, Mississippi and New Jersey Members: | We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization. |
| For Vermont Members: | We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization. |
Beacon Credit Union Privacy & Website Tracking Disclosure
Introduction Beacon Credit Union is committed to protecting your privacy and providing transparency regarding the collection, use, and sharing of your information when you visit our website. This Privacy & Website Disclosures document explains how we use tracking technologies, including Meta Pixels, cookies, and other website analytics tools, and how you can manage your preferences.
- Information We Collect Through Website Tracking Technologies We use various technologies to enhance user experience and analyze website traffic, including but not limited to:
-
- Meta Pixel: We use Meta (formerly Facebook) Pixel to track user interactions with our website, measure ad performance, and provide relevant advertisements. This tool allows us to understand how users engage with our content after clicking on an advertisement.
- Cookies: Cookies are small text files stored on your device that help us remember your preferences, improve site functionality, and deliver targeted content. These may include session cookies (temporary) and persistent cookies (remain on your device until deleted).
- Google Analytics & Other Analytics Tools: We use third-party analytics services to collect information about visitor behavior, including IP addresses, page visits, and navigation patterns, to improve website usability.
- Other Tracking Technologies: We may use web beacons, pixel tags, and other similar tracking mechanisms to monitor website performance and engagement.
- Google Tag Manager: We utilize Google Tag Manager to efficiently manage website tags and tracking scripts, enabling seamless integration of various analytics and marketing tools without directly modifying website code.
- How We Use This Information The data collected through these technologies helps us:
-
- Improve website functionality and user experience.
- Monitor website traffic and visitor engagement.
- Deliver targeted advertisements and promotions.
- Ensure website security and fraud prevention.
- Analyze trends and optimize marketing efforts.
- Third-Party Sharing & Advertising We may share non-personally identifiable website usage data with third-party service providers for analytics, advertising, and marketing purposes. These third parties may use tracking technologies to deliver targeted advertisements based on your interests.
We do not sell, rent, or trade personally identifiable information to third parties for their independent marketing purposes.
- Control Your Privacy Settings You have several options to manage or disable tracking technologies:
-
- Browser Settings: Most web browsers let you disable or delete cookies. Keep in mind that this may impact how some websites function.
- Advertising Opt-Out Tools: You can opt out of targeted ads, but you’ll need to do it separately for each browser and device. To opt out of Online Behavioral Advertising (OBA), visit the Digital Advertising Alliance (DAA) and follow the steps. To keep your browser opt-out settings, consider using the ‘Protect My Choices’ plug-ins. Note that even after opting out, you may still see general ads.
- Meta (formerly Facebook) Tracking: You can manage how Meta tracks your data by adjusting your privacy and ad preferences. Meta provides tools that allow you to control how your data is used for personalized ads and tracking across websites and apps. For step-by-step instructions, visit Meta’s Help Center.
These steps help you take control of your online privacy while continuing to use digital services effectively.
- Data Security We implement industry-standard security measures to protect your information from unauthorized access, use, or disclosure. However, no method of data transmission over the internet is 100% secure, and we encourage users to take precautions when sharing personal information online.
By using our website, you acknowledge and consent to the collection and use of information as described in this Privacy & Website Tracking Disclosures document.