Website Terms and Conditions
Welcome to the O Bee Credit Union website. By accessing or using this website, you agree to these Terms and Conditions. If you do not agree, please do not use this site.
O Bee Credit Union is a Member-owned, not-for-profit financial cooperative. This website is provided to share general information about our membership, products, and services. Information on this website is for informational purposes only and does not modify or replace the terms of any account, loan, or service agreement.
Accuracy of Information
We make reasonable efforts to ensure that the information on this website is accurate and current. However:
- Rates, fees, terms, and product availability are subject to change at any time
- Official account agreements, disclosures, and loan contracts govern if discrepancies arise
- Errors or interruptions may occur due to technical issues or human error
O Bee Credit Union provides this website “as is” and makes no warranties regarding accuracy, completeness, or availability.
Information We Collect When You Browse Our Website
When you visit our website, certain information may be collected automatically to help us operate, maintain, and improve the site and to protect against fraud or unauthorized activity.
This information may include:
This information does not personally identify you unless you voluntarily provide personal information through online applications, enrollments, forms, or online banking services.
Online Applications and Personal Information
If you apply online for a product or service, we may collect personal information necessary to process your request. Depending on the product or service, this may include, but is not limited to:
- Name
- Date of birth
- Address
- Phone number
- Social Security Number or Tax Identification Number
- Employer and occupation
- Income and expenses
- Email address
All personal information is handled in accordance with our Privacy Policy and applicable laws.
Cookies and Similar Technologies
We may use cookies and similar technologies to:
-
Remember your preferences
-
Understand how visitors use our website
-
Improve website performance, security, and functionality
You may control or disable cookies through your browser settings. Please note that disabling cookies may limit certain website features. For additional details, please refer to our Cookie Policy.
Pixels (sometimes called web beacons) are small pieces of code used on our website and in online communications. They help us understand how users interact with our website, advertisements, and emails.
We use pixels together with cookies to collect information related to browsing activity. These pixels are usually placed by third-party service providers who collect and analyze this information on our behalf to give us insights into how our online services are used.
How We Use Information Collected
Information collected through your use of this website may be used for:
- Website administration and security
- Internal analysis and performance monitoring
- Third-party analytics services, such as Google Analytics
- Improving site navigation and user experience
Promotional or marketing purposesO Bee Credit Union does not sell your personal information.
Use of Google Analytics
O Bee Credit Union’s website uses Google Analytics, a web analytics service provided by Google Inc. (“Google”). Google Analytics uses cookies, which are small text files stored on your computer or device, to help us understand how visitors use our website.
How Information Is Used
The information collected by cookies—including your IP address—is transmitted to and stored by Google, then used to:
-
Analyze how visitors use our website
-
Compile reports on website activity for O Bee Credit Union
-
Provide other services related to website and internet usage
Google may also share this information with third parties to process on Google’s behalf or where required by law.
Data Privacy
- Google Analytics collects the IP address assigned to you when you access the site.
- Google does not associate your IP address with any personally identifiable data.
Managing Cookies
You may choose to disable cookies through your browser settings. Please note that disabling cookies may limit your ability to use certain features or functionality of this website.
Your Consent
By using this website, you consent to the collection and processing of your data by Google in the manner and for the purposes described above.
Privacy
Your privacy is important to us. How we collect, use, and protect Members’ information is described in our Privacy Policy, which is available on our website.
Links to Third-Party Websites
This website may include links to third-party websites for your convenience. O Bee Credit Union does not control, endorse, or guarantee the content, security, or privacy practices of these external sites and is not responsible for them.
Changes to These Terms
O Bee Credit Union reserves the right to update or modify these Terms and Conditions at any time. Any changes become effective when posted on this website.