At Credit Union 1 (“CU1”, “Credit Union”, “we”, “our”, “us”), we respect your privacy and understand the importance of maintaining the security of your personal information. This Online Privacy Policy (“Policy”) only relates to the information we collect online through https://www.creditunion1.org, our online banking platform and mobile banking application (collectively, the “Sites”). We ask that you read this Policy carefully. By using any of the Sites, you consent to this Policy.
This Policy may be revised or modified at any time without notice to you, and any updates to this Policy will be posted on this page with the updated effective date appearing at the top of this page. Your use of the Site(s) following these changes means that you accept the revised Policy.
This statement is in addition to Credit Union 1’s Federal Consumer Privacy Policy, available here (“Federal Privacy Policy”). We’ll use and share any information that we collect from or about you in accordance with that Federal Privacy Policy.
What types of information do we collect about you?
When you visit our Sites, you may be asked to provide information about you that is personally identifiable (“Personal Information”). This may include:
- Your first and last name;
- A home or physical address (including street name or name of a city or town);
- An email address;
- A telephone number;
- A tax identification number; and
- Any other identifier that permits physical or online contact with you.
In addition, we may collect and store the following information about your visit:
- the internet protocol (“IP”) address from which you access our Site(s);
- the type of browser and operating system used to access our Site(s);
- the unique identifier of the device from which you access our Site(s) and other device-identifying technical data;
- the date and time you access our Site(s);
- the Internet address of the site from which you linked directly to our Site(s); and
- the pages you visit and the information you request.
What does Credit Union 1 do with your personal information?
Please refer to our Federal Privacy Notice for additional details regarding how we use and protect your Personal Information.
California Residents
State laws may provide additional rights. If you are California resident and wish to know your rights, click here.
How do we use Google Analytics?
We use Google Analytics to better understand how users are visiting and using our Sites.
We do not use Google Analytics to directly identify individuals by name, address, or other direct identifiers.
Google Analytics cookies will only be activated if you consent to Statistic Cookies through our cookie consent tool.
For more information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at google.com/policies/privacy/partners/.
How do we use Google AdWords and Advertising Technologies?
We use Google AdWords and similar technologies for marketing and advertising purposes, including remarketing and interest-based advertising.
These technologies may:
- Display advertisements across the internet
- Deliver ads based on prior visits to our Sites
- Use cookies to track browsing behavior
These technologies are used only if you consent to Marketing Cookies through our cookie consent tool.
We do not use cookies to directly identify you by name; however, such technologies may collect information about your interactions with our Sites.
Analytics, Display Advertising and Interest-Based Advertising Disclosure
We may use the following features:
- Google remarketing,
- Google Display Network Impression Reporting,
- Google Signals, and
- Google Analytics Demographics and Interest reporting.
We utilize these services to serve more relevant ad experiences across the web based on previous visits to our website.
These features rely on cookies and similar technologies and will only be enabled if you consent to applicable cookie categories.
Using Google Analytics Opt-out Browser Add-on, visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads. Alternatively, visitors can opt out of a third-party vendor's use of cookies by visiting DoubleClick's opt-out page or the Network Advertising Initiative opt-out page.
Facebook Remarketing and Custom Audiences
Third parties, including Facebook, may use cookies, pixels, or similar technologies to collect or receive information from our website and elsewhere on the Internet and use that information to provide measurement services and target ads.
These tools are utilized only if you enable Marketing Cookies through your preferences.
You may opt-out of the collection and use of information for ad targeting. To do so, go to www.aboutads.info/choices and set your data collection and ad preferences.
Third Party Advertisers
We may work with third-party advertisers to display our content on other platforms. These third parties may use cookies or similar technologies, consistent with your cookie preferences.
These third-party sites are not governed by this Policy. We encourage you to review their privacy policies separately.
What are cookies, and how do we use them?
Cookies are small data files stored on your device containing limited data that are created when you access our Sites. Cookies help us:
- Maintain secure sessions
- Improve website functionality
- Analyze usage patterns
- Support marketing and advertising efforts
- In addition to cookies, we may use similar technologies such as pixels, tags, and embedded scripts that operate in conjunction with cookies to support these purposes.
Cookie Consent and Control
When you visit our Sites, you will be presented with a cookie consent tool that allows you to select your preferences. You may choose to:
- Allow All cookies
- Allow Selection of certain categories
- Deny non-essential cookies
Except for Necessary Cookies, cookies will only be placed on your device if you provide your consent.
Your selections will be recorded and applied to future visits, unless you modify your preferences.
Cookie Categories
We classify cookies as follows:
- Necessary Cookies – Required for basic functionality and security. These cannot be disabled.
- Preference Cookies – Enable personalization such as language or regional settings.
- Statistic Cookies – Help us understand how visitors interact with the Sites by collecting and reporting information in an aggregated or de-identified form.
- Marketing Cookies – Used to track visitors and deliver relevant advertisements.
- Unclassified Cookies – Cookies that are currently being categorized.
Examples of technologies used within these categories may include analytics tools, advertising pixels, social media tracking technologies, embedded media players, and similar tools.
Consent and Withdrawal
Necessary cookies are processed to ensure the proper functioning and security of our Sites. All other cookie categories are used only with your consent.
You may modify or withdraw your consent at any time by accessing the cookie settings available on our Sites.
Additional Controls
You may also control cookies through your browser settings; however, browser controls may not provide the same level of granularity as our consent tool.
Cookie Duration
Cookies may persist for different periods depending on their purpose. Some cookies expire when you close your browser, while others remain until deleted or reach their expiration date.
What do we do when your web browser sends a "Do Not Track" signal?
We do not respond to browser-based “Do Not Track” signals. We may continue to collect information as described in this Policy even if such signals are received. However, you may manage your tracking preferences through our cookie consent tool.
How do we protect your information, confidentiality and security?
Credit Union 1 is committed to protecting your personal information. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your Personal Information. To review our Federal Privacy Policy, click here.
How can you make sure your information is accurate?
Keeping your account information accurate and updated is very important. If you are a registered online banking user, you may review and maintain your information by logging into the online banking platform and select “Profile” link.
You can also request and/or update your information by visiting a branch or by contacting us at our Member Solutions Team at (800) 252-6950.
To update your cookie preference, you may do so using the cookie consent tool.
Children's Online Privacy Protection Act Disclosure
The Children’s Online Privacy Protection Act of 1998 (“COPPA”) restricts the collection, use, or disclosure of Personal Information from and about children under the age of 13 on the internet. CU1 is committed to protecting the online privacy of the children who visit our Sites and complying with COPPA.
In general, our Sites are not directed to children under the age of 13 and we request that children under the age of 13 not provide Personal Information through the Sites. We do not knowingly collect information from children under 13 without parental consent. We may collect information on domain names, dates and times of visits, and number of page views. This information contains no Personal Information and will only be used to continue to improve the overall value of our Sites. Please visit the Federal Trade Commission website www.ftc.gov for more information about COPPA.
Mobile App Information
Collected Information:
We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions). Certain images are collected by our mobile application to display checks in Online Banking. The CU1 app collects and stores Name, Phone Number and Email Address from the phones contact list, to enable Zelle to find other contacts with Zelle already configured, making cash transfers faster and more secure.
Location Information:
If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
Opting Out of Location Tracking:
If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.
Links to other sites
Credit Union 1's website may contain links to other sites that Credit Union 1 does not own or operate. If you click on these links, you will be leaving Credit Union 1's website. Since these links are not under the control of Credit Union 1, we are not responsible for the content, advertisements, claims, materials, products and/or services these sites may try and offer to you. The links are provided as a convenience to the visitors of the credit union's website. The inclusion of any site does not imply the recommendation or endorsement of Credit Union 1. We recommend that you review the privacy and security policy of the linked websites you choose to visit as it may differ from those of Credit Union 1. Your decision to click on and visit these linked websites is at your own risk.
Artificial Intelligence / Chatbot Disclosure
We use artificial intelligence (“AI”) technologies, including chatbot tools, to assist with member service, provide information, and improve your experience.
When you interact with our chatbot, you are communicating with an automated system and not a human representative. During normal business hours, you may request to speak with a live agent.
Data Collection and Use
When you use our chatbot, we may collect and process information you voluntarily provide, such as messages, account-related inquiries, and other content submitted during the interaction.
We use this information to:
- Respond to your inquiries and provide requested services
- Monitor, maintain, and improve our systems
- Detect security incidents and prevent misuse
Third Party AI Service Providers
To provide chatbot functionality, we may transmit your communications to third-party service providers that process data on our behalf (e.g., AI platform providers). These providers process your information solely to generate responses and support our services.
AI Training / Model Improvement
We may use chatbot interaction data in aggregated or de-identified form to improve system performance, security, and service quality.
AI Automated Processing and Decision-Making
In certain cases, automated systems may be used to assist in evaluating inquiries or routing requests. These systems do not make final decisions regarding your accounts or services without appropriate human oversight.
You may request human review of any outcome that significantly affects you.
AI Automated Processing and Decision-Making
Please do not provide sensitive personal information (such as full account numbers, Social Security numbers, or passwords) through the chatbot unless specifically requested through a secure channel.
While the chatbot experience within our secure digital banking platform is protected, we recommend sharing only necessary information to complete your request and only when prompted.
Changes to this Policy:
We reserve the right to make changes to this policy at any time. Changes will be posted on this page.
Questions?
Please contact us with questions about this Policy at (800) 252-6950 or write us at:
Credit Union 1
450 E. 22nd Street
Suite 250
Lombard, IL 60148
