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privacy

Our Privacy Practices

Learn how we protect your privacy to earn your confidence and trust

DCU is a not-for-profit, member-owned financial cooperative. We only exist to serve you and your fellow members and help you achieve your financial goals. For you to allow your credit union to serve you, we must earn your confidence and trust. As you should expect, the privacy of your personal financial information is extremely important to us. We take significant steps to protect your privacy so we can maintain your trust – and, it’s the right thing to do.

The information in DCU’s Privacy Policy explains our policies for using and protecting the personal financial information you entrust to us during the application for or servicing of one of our products or services. . 

California residents can find DCU’s California Consumer Privacy Notice here.

Online Privacy Statement

This Online Privacy Statement (“Statement”) applies to DCU’s webpages, DCU-branded social media sites, mobile applications, digital banking applications, and digital advertising campaigns, collectively referred to as a “digital property.”  This Statement does not address the privacy practices of any third parties that we do not own, control, or are affiliated with. By visiting and/or using our digital property, you are agreeing to the terms of this Statement.

DCU is a United States-based financial cooperative serving a U.S.-based target market. Our web and digital properties do not intentionally target children under the age 13 without parental consent. In addition to the privacy practices described within this Statement and DCU’s Privacy Policy, social media sites may have their own privacy policies that you should understand prior to using their services to interact with DCU on those sites.

Information Collection

When using a DCU digital property we may collect three categories of information about you.

Personal Information: We may collect personally identifiable information about you such as your name, address, phone numbers, email address, or other information that identifies you. This includes information you provide via applications, forms, or other means of collection. We may ask your permission before collecting additional information from you (such as information about your contacts).

Non-public Information: Through your interactions with us, such as applying for a product or service, we may collect non-public information about you such as your Social Security number, tax identification number, driver’s license number, financial account information, DCU username and password, and other types of non-public information.

Online Behavior: We may collect information about the Internet Protocol (IP) address of the device(s) you use to access DCU’s digital properties; other information about your device, operating system and browser type; referral website information; your digital property usage and page views; and aggregate or non-personally identifiable information. We may ask your permission before collecting certain information (such as precise geo-location information)

These categories of information may be collected by DCU, or by our third-party service providers, through use of cookies and other technologies, to associate your online use of our digital properties and/or with offline personally identifiable information.

We may use information collected from a DCU digital property to acquire additional information about you from our marketing partners or service providers. For example, when you submit an application for membership or for a financial product or service, we may use the Social Security number you provided online to access a consumer report which may contain a credit score and information about your creditworthiness to determine if you meet our underwriting guidelines.

When interacting with DCU on a digital platform that is not owned by DCU such as a social media site, never include sensitive personal or non-public information. Communications with DCU about your application, membership, and accounts with us should only take place in a secure DCU channel such as DCU’s Digital Banking website or mobile application, or by phone with a DCU employee. Social media sites are not an appropriate place to conduct or discuss your financial transactions.

 

Information Usage

We may use the information we collect online, along with information which we pair it with offline, to:

  • process transactions initiated by you
  • perform everyday business tasks such as data analytics, digital property experience optimization, fraud prevention, security enhancements, or product and service improvements
  • service, manage, or collect on your account
  • verify your identity or information you provided on an application
  • make a decision about your application for a product or service
  • respond to your questions or inquiries
  • comply with federal, state, or local laws; civil, criminal, or regulatory investigations; or other legal requirements
  • market our products and services or those of our trusted partners
  • offer special deals or promotions
  • share with our affiliates or trusted third parties in accordance with the practices described in our Privacy Policy
  • aggregate or anonymize data for analytical purposes

 

Information Disclosure

DCU does not share the information described above except as described in this Statement and as otherwise set forth in our Privacy Policy, including to third-party service providers to assist with providing our products and services. We may also share your information as permitted or required by law.

 

Information Security

DCU restricts access to non-public personal information about its members to DCU employees and approved third parties working on our behalf who have a specific business purpose in utilizing member data.

 

Updates

DCU may change this Statement from time to time. When we do, we will let you know by appropriate means, such as by posting the revised Statement on this page with a new “Last Updated” date. Any changes to this Statement will become effective when posted unless indicated otherwise.

For more information about DCU's cookie policy, please review our Cookie Policy.

Last Updated: November 23, 2022