North Orange County Credit Union is committed to safeguarding our members' personal information including when you conduct online banking transactions. Our privacy policies are the same whether you are online or not; however, we do employ certain special safeguards when you are online with us at our web site. Please refer to our Privacy Policy which is sent to you annually. In addition, you may call us at (714) 871-8400 for a copy of our Privacy Policy. This disclosure directly addresses web site privacy and security features associated with your use of our web site and our online banking services.

Although you may access this web site from a location outside of California, the use of this web site is governed by California law. California law will apply to any dispute. The exclusive venue for the resolution of any disputes related to this site or the online services is a court of competent jurisdiction located in Orange County, California. You agree to comply with the laws of the jurisdiction from which you access this site and North Orange County Credit Union makes no representations about those laws.

Definitions

North Orange County Credit Union 

Also referred to as "we", "NOCCU", and the "Credit Union". 

Web Site 

Refers to all pages included under one web address. In this disclosure we will refer to NOCCU's web site as "our web site". Other web addresses will be referred to as a variation of "another web site". 

Member 

Any signer on an NOCCU account and anyone authorized to conduct transactions on a member's account through our online banking services will be referred to as a member in this policy. 

Cookies 

Electronic markers that are stored directly on the computer you are using to indicate activity or access into a specific web site or pages contained in a web site. 

Security Procedures

We restrict access to non-public personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

Service providers (i.e. internet banking) are required to provide safeguards to protect your information when it is transmitted electronically (for example, over encrypted data lines).

Specific Information We Gather About You When You Use the NOCCU Website 

When you conduct an online transaction through NOC Online , such as obtaining account information, transferring funds between accounts, or completing an application, we request information from you online at our web site. This information is needed so that we can follow your instructions or review your request or application or so that you can perform a transaction. In these cases, we only collect the information necessary to interact with you and to respond to your requests or instructions. If you browse our web site anonymously (i.e., you do not give us your name or account number or other identifying information) any personal information, such as your e-mail address is not collected.

We also keep track of the number of times you log on per month to NOCCU. 

We do not gather or sell this information to any third parties. 

We may gather information that is not personally identifiable to you so that we can evaluate the usefulness of our web site. This may include the number of hits, pages visited and the length of user sessions.

Cookies and How NOCCU Uses Them

NOC Online must be able to place cookies such as your account number and access code on your PC to track information about your internet home banking session. Otherwise you would need to reenter this information each time a new NOC Online page was accessed. NOC Online cookies are fully encrypted using the Secure Sockets Layer protocol and useful only to NOC Online. When you click the End Session link to log off NOC Online, all cookies are automatically removed from your PC's hard drive. 

Other Web Sites Linked Through www.noccreditunion.org

This web site includes connections or links to other web sites ("third party sites") that are not maintained by NOCCU. These links are provided solely for your convenience and NOCCU does not make any warranties or representations and disclaims any responsibility for the contents of or the products and services offered in such third party sites. Any reference to a linked site or any specific product or service does not constitute an endorsement by NOCCU. When visiting third party sites, we recommend looking at their privacy policies prior to providing non-public personal information. We are not responsible for the privacy or security of third party sites. 

E-Mail Addresses and Messages

This web site provides the opportunity to send e-mail to NOCCU. We encourage you to send your comments, questions, and inquiries. You may only e-mail us with general questions and not account information questions. We will not respond to account information related questions sent to us via e-mail. Also, you should not send any confidential account information to us via e-mail. We will only respond to general questions sent to us electronically if sent via the "Contact Us" icon on our web site. Messages are read Monday through Friday, from 8:30 a.m. through 5:30 p.m. Messages received on Saturday, Sunday and holidays will be answered on the next business day.

Should you send a message, we reserve the right to include your e-mail address on your NOCCU account. 

For the purpose of better serving your future financial needs, we reserve the right to modify this policy in the future. 

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