Website Privacy, Security & Accessibility Policy

 

 

This Website Privacy and Security Policy (the “Policy”) details how the Philadelphia Federal Credit Union (“PFCU”, “us” or “we”) collects, uses, shares and protects your information when you (“you” or the “user”) visit our website, pfcu.com and any pfcu.com mobile application (collectively, the “Site”). 

Categories of Information We Collect. When you visit the Site, we will be able to collect information that could be used to identify you such as your physical location, the device you are using and the Internet Service Provider you are using.  We will also be able to see what pages of the Site you access, what links on the Site you click on and the date and time you visit the Site or link.  We do this to determine how you use the Site and our services so that we can enhance your experience and make the website and our services more useful. 

We may also collect personal information that you provide to us directly when you access our Site such as information you provide to obtain a product or service, communicate with us, or in an online form, application, field or survey.  Personal information is information that directly identifies you and can be used to directly identify you.  We will retain your personal information for as long as your account is active or as needed to provide you with services, to comply with our legal obligations, resolve disputes or enforce our agreements with you. 

Non-personal information may also be collected from you such as your zip code, region, preferences and favorites.  For security purposes, we may also require you to enter information such as your online banking login and password.  Your login credentials are only required for authentication and are not stored or used by us for any other purpose.

Information collected from you will be used and shared in accordance with our Privacy Policy, which can be found here.

Sources from Which Information is Collected.

• Browser Cookies.  Cookies are small files of information your web browser generates that allow us to recognize your device and store user preferences when you return to the Site.  We do not collect, use or associate personally identifiable information with cookies. 
• IP Address.  We may collect the internet protocol (“IP”) address from which you access our Site.  We use this information for things such as to help us diagnose server issues, to ensure the security of your account, for compliance purposes, for Site administration purposes, for advertising and to personalize your Site experience. 
• Aggregated Data. Aggregated data is information collected that has been combined or collected together in summary or other form such that the data cannot be identified with any individual.  Aggregated data may be collected consistent with applicable laws in order to provide services or for marketing analysis. 
• Social Media Sites.  When you engage with any of our social media pages by messaging or posting other content to them, your content is subject to the terms of use and privacy policy of the third party host’s website platform. 
• Do Not Track Signals (“DNT”). DNT signals refer to an HTTP header used by internet browsers to request a web application disable its tracking. We do not respond to DNT signals received from a user’s browser and may still collect information from a browser with a DNT signal. 
• Social Security Numbers.  To comply with applicable laws, we must collect your social security number in order to open, maintain and service your account.  We comply with all laws applicable to the security, confidentiality and non-disclosure of your social security number.
• Applications and Transactions.  To comply with applicable laws and in order to provide you with our services, we may collect information from you when applying for one of our products, services and when you perform an account transaction. 
• Analytics.  We may use third party analytics, such as Google Analytics, to better understand how users are visiting our Site.  We do not use this to track, collect or upload any data that personally identifies a user or other data which can be linked to such information by such third party. 

How We Use Information.  PFCU does not sell your personal information.  Your personal information may be used to: provide you with our products and services, send you notices, verify your identity, respond to your requests, communicate with you, detect or prevent fraud, enhance the security of your account, send you alerts and/or updates regarding your account or transactions, send you marketing communications, conduct research and analytics, manage your preferences, facilitate and improve the operation of our Site, use the location of your device, meet regulatory and legal obligations, for purposes that we may specifically disclose to you at the time we collect, or you provide your personal information, and in other ways in accordance with applicable law or with your consent. 

In certain circumstances, we may de-identify your personal information so that it cannot be associated with you, in which case, we may use such information without any notice to you.  In the event we deidentify your personal information, we will not attempt to reidentify such information except for the purpose of determining whether our de-identification processes satisfy our legal obligations. 

How You Can Control Your Information. You may disable or remove cookies from your web browser, however, doing so may prevent you from using the functionality of the Site.  You may be able to opt-out of certain advertisements and prescreen offers by following opt-out directions in the advertisement or offer.  Please consult our Privacy Policy for more information on ways you may limit sharing of your information. 

Categories of Third Parties We Share Information With. In order to provide you with products or services you request or already have with us, we may share your information with third parties.  We may also share your information with third parties when you grant your consent to do so.  Sharing of your information with third parties is governed by our Privacy Policy.

Website Security. PFCU complies with federal and state law to safeguard your personal information and protect your account from unauthorized use.  Visit the Security page of our Site for more information on how to keep your account secure.

Children’s Online Privacy Protection Act “COPPA”.  This Site is not intended for or directed to children under the age of 13.  PFCU does not intend on collecting, using and disclosing personal information from children under the age of 13 without parental consent. 

Links to Third Party Websites. When you visit the Site, you may have the option of clicking on a link that takes you to a third party (non-PFCU) website (“third party website”).  Once you click on a third party website link, you will leave the Site.  Access to any third party website is at your own risk.  The third party website may not be secure.  We recommend that you visit the third party website’s privacy and security policy as well as their terms and conditions, as they will differ from those of our Site.  PFCU does not ensure or guarantee that any third party websites are secure or error-free.  In no event will we be responsible for the content, information or features contained in any third party website. 

Changes to This Policy. PFCU may change this policy from time to time.  Any changes will be posted to the Site and will become effective upon posting, unless otherwise indicated.  It is your responsibility to regularly review this Policy.

Keeping Your Information Accurate. It is important to notify us if your information is incomplete, inaccurate or has changed.  To report any inaccuracies, you may contact us by any method listed on the Contact Us page of this Site.  

 

Here's what accessibility means

We have implemented the recommendations of the Web Content Accessibility Guidelines (WCAG) as published by the Web Accessibility Initiative (WAI) of the World Wide Web Consortium (W3C).

We have used WCAG guidelines for compliance as suggested by the U.S. Department of Justice for website accessibility. We chose to use WCAG for compliance because they are determined by the W3C, the consortium that determines development standards for the Internet, worldwide.

There is no definitive test nor certification of conformance to Level AA of the WCAG but we have used a variety of methods for assessing accessibility. We strive to make every page accessible to users but cannot guarantee that every page is Level AA compliant. If you find a part of the site that you feel does not conform to Level AA of the WCAG or if you are using assistive technology and are having difficulty, please contact us.