California Consumer Notice of Collection
INFORMATION COLLECTION AND USAGE
The types of Personal Information that we may collect depends on which of our Services you are utilizing and how you interact with us. We may collect, or have collected in the preceding twelve months, the following categories and specific types of Personal Information:
Contact Information/Identifiers, including name, email address, postal address, phone number, username, business contact information, and alias.
The provision of the sensitive Personal Information listed above is voluntary. In certain instances, we will not be able to process your request for our Services without the requested Personal Information.
SOURCES OF PERSONAL INFORMATION
We collect, or have collected in the preceding twelve months, your Personal Information in the following ways, pursuant to applicable law:
Directly From You, when you use our Services, register for an account, contact us, provide us with feedback, sign up to receive emails, text messages, and/or postal mailings.
From Our Third Party Partners, including from third parties that we have partnered with to provide you the Services that you have requested from us, such as when we work with our partners to verify information you have provided to us for your account registration or to complete transactions initiated by you.
Other Sources, including data analytics providers or publicly available sources.
HOW WE USE YOUR PERSONAL INFORMATION
We may collect, or have collected in the preceding twelve months, your Personal Information for the following purposes:
Providing our Services
Communicating With You
Analytics and Administration of Website
Core Business Functions
Security and Fraud Prevention
Use of Your Sensitive Personal Information
INFORMATION SHARING AND DISCLOSURE
We may disclose, or in the past twelve months have disclosed, the Personal Information identified above in the following limited circumstances for business purposes:
We reserve the right to disclose any Personal Information about you or your use of this website without your prior permission if we have a good faith belief that such action is necessary to: (i) protect and defend our rights, property or safety or that or those of our affiliates, other users of this website, or the public; (ii) enforce the Terms and Conditions or other terms for this website and our Services; or (iii) respond to claims that any content violates any law or the rights of third parties.
HOW WE PROTECT YOUR PERSONAL INFORMATION
We have reasonable and appropriate technical and organizational measures in place to protect against the loss, misuses, and alteration of your Personal Information under our control. We have taken reasonable steps to confirm the Personal Information is retained in secured facilities and that reasonable measures have been implemented for protection from unauthorized access. The measures we use are designed to provide a level of security appropriate to the risk of processing your Personal Information. For instance, this website utilizes industry-standard SSL technology to allow for the encryption of potentially sensitive Personal Information submitted to us but may not always secure other parts of our website.
However, no security system is impenetrable. We cannot guarantee the security of our website or databases, nor can we guarantee that Personal Information you supply will not be intercepted while being transmitted to us over the Internet. We ask that you do your part by maintaining any usernames and passwords you use to access the Internet or this website as strictly confidential.
If you received an e-mail from us, (a) your e-mail address is either listed with us as someone who has expressly shared this address for the purpose of receiving Personal Information in the future (“opt-in”), or (b) you have registered, have an existing relationship with us, or are using our Services. We respect your time and attention by controlling the frequency of our e-mails.
Each e-mail sent contains an easy, automated way for you to cease receiving e-mails from us, or to change your expressed interests. If you wish to do this, simply follow the instructions at the end of any e-mail, or visit our email preference page.
COOKIES AND OTHER TRACKING TECHNOLOGIES
When you visit our website, our website’s web server automatically collects information, including, in some instances, Personal Information, through cookies, web beacons, and other similar tracking technologies (collectively “cookies”). Cookies are small text files that are placed on your computer or mobile device when you visit a website. Cookies help the website remember information about your visit, which can make it easier to visit the website again and make the website more useful to you. Some cookies are deleted once you close your browser (session cookies), while other cookies are retained even after you close your browser so that you can be recognized when you return to a website (persistent cookies). More information about cookies and how they work is available at www.allaboutcookies.org. Generally, your email address and all other Personal Information is collected only when you voluntarily provide that data.
Cookies on our website are generally divided into the following categories:
|These are cookies that our website needs in order to function and that enable you to move around and use the website and features. Without these essential cookies, the website will not perform as smoothly for you as we would like it to, and we may not be able to provide the website or certain services or features you request. Examples of where these cookies are used include: to determine when you are signed in, to determine when your account has been inactive, and for other troubleshooting and security purposes.
|Analytics cookies provide us with information regarding how visitors navigate and interact with our website. Such cookies allow us to understand, for example, more about how many visitors we have to our website, how many times they visit us and how many times a user viewed specific pages within our Site. Among other Analytics cookies, we use Google Analytics cookies for these purposes. For more information about Google Analytics, please refer to “How Google Uses Information From Sites or Apps that Use Our Services,” which can be found at www.google.com/policies/privacy/partners/, or any other URL Google may provide from time to time.
We may use the information collected through cookies and related tracking technologies for the following purposes:
Most web browsers automatically accept cookies, but you can usually change your browser settings to prevent this. If you disable cookies, your ability to use some features of the website may be limited. For mobile devices, you may be able to manage certain cookies using your built-in mobile device settings and controls. Any choices concerning cookies are browser and/or device specific. If you clear your cookies from your browser on any of your devices, your choices will need to be reset. You should check how to do this on your device(s) and operating systems.
Some cookie providers may also offer opportunities to control your preferences. To learn how to opt-out of Google Analytics, an Analytics cookie, please visit https://tools.google.com/dlpage/gaoptout.
LINKED THIRD PARTY SITES
We may provide links to other third party websites through the Services solely as a convenience to you. However, such linking does not mean, and should not be interpreted to mean, that Co-op endorses, is affiliated with or makes any representations concerning such third party websites. Co-op neither reviews, controls, nor is responsible for these third party sites or any content therein. By using such links, you will leave the Services. If you decide to access any of the third party sites linked to the Services, you do so entirely at your own risk. Co-op shall not be liable for any consequences arising from use of any third party websites to which the Services link.
How long we retain your Personal Information depends on the context in which, and purposes for which, we collected it. We generally retain Personal Information for as long as necessary for achieving the purposes for which it was collected or processed, unless a different retention period is required by applicable law.
RIGHTS RELATED TO YOUR PERSONAL INFORMATION
Depending on where you live and the types of Personal Information at issue, you may have certain rights with respect to your Personal Information. For example, under local applicable laws, including those in the California, you may have the rights listed below. Please note that many of these rights are subject to exceptions and limitations. For example, certain laws generally do not apply to Personal Information that you provide to us while acting in your professional capacity.
If you choose to assert any of these rights under applicable laws, we will respond within the time period prescribed by applicable law. Please note that many of the above rights are subject to exceptions and limitations. If we are not able to provide the requested information or make the change you requested, you will be provided with the reasons for such decisions. Under local law, you may be entitled to lodge a complaint with your local data protection authority, such as your state Attorney General’s Office.
Your rights and our responses will vary based on your state of residency. Please note that you may be located in a jurisdiction where we are not obligated, or are unable, to fulfill a request. In such a case, your request may not be fulfilled.
Co-op may require use of your Personal Information to provide access to the Services. Therefore, when you exercise your deletion right, in particular, you may lose access to certain aspects of the Services that require your Personal Information.
Rights Request and Verification Process
Only you, or a person that you authorize to act on your behalf, may make a verifiable consumer request related to your Personal Information. If you designate an authorized agent to submit requests to exercise certain privacy rights on your behalf, we will require verification that you provided the authorized agent permission to make a request on your behalf. You must provide us with a copy of the signed permission you have given to the authorized agent to submit the request on your behalf and verify your own identity directly with us.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
Our verification process may also include a request for additional information to confirm your identity or your authorized agent’s identity (such as your name, email address and date of birth) or to obtain proof that you have given your authorized agent permission to act on your behalf. If our verification process is successful, we will respond to your request within the time and in the manner required by applicable law. If we cannot validate the identity of you and/or your authorized agent or obtain proof that you have given your authorized agent permission to act on your behalf, we will attempt to contact you to inform you.
We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm that the Personal Information relates to you. We will only use Personal Information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the Personal Information from one entity to another entity without hindrance, specifically by electronic mail communication. Further, if you would like to appeal any decision we make about your request, you may contact us as stated in the “Contact Information” section below.
To exercise these rights, please submit a verifiable consumer request to us by either:
Our Services are not directed toward children under the age of thirteen, and we do not knowingly collect any Personal Information from children under the age of thirteen. If a child provided this website with Personal Information, we ask that a parent or guardian send us a written request to the address listed below and we will promptly delete the child's Personal Information from our records.
Should any modification materially change how we use your Personal Information, we will provide notice online prior to the effective date of the change.
Co-op Financial Services
9692 Haven Avenue
Rancho Cucamonga, California 91730
Last Update: December 29, 2022
Effective Date: December 29, 2022