Cookies and Privacy Online
Westminster Savings Credit Union collects some information about our website visitors and Online Banking users for security purposes and to improve our services online. All of the information we collect online is subject to our existing privacy policies.
A broad description of what we collect online and how we use this information is below.
A cookie is a small information token that a website may place on your computer; this token is passed back and forth between the web server and your browser as you use the site. Contrary to popular perception, a "cookie" contains no personal information and presents no security risk or "entrance" to you computer. It provides a way for a web server to identify your computer as a return visitor, and it is sometimes used to "remember" settings you may have previously selected on a website.
Westminster Savings Credit Union uses two types of cookies on our website, in Online Banking and in Business Express Internet.
We use a session cookie - which exists only for the length of your browsing session and is deleted when you close your browser - to maintain the integrity of your online banking session. It is used to distinguish your session from the many others that may be happening at the same time. Our session cookies never store any personal information, such as your name, or date of birth, or financial information, such as your accounts and balances.
We use a persistent cookie - which stays on your computer after you close your browser - to collect website usage statistics and to allow you to use some optional features, including the Memorized Card feature and the Register Your Computer feature (so that you aren't asked your security questions each time that you log in).
This cookie never contains your personal access code.
Don't delete wscu.com cookies
Some internet browsers and anti-virus or anti-spyware programs will automatically delete cookies each time that the browser is closed or the anti-spyware program is run.
This will erase your saved MemberCards (you will need to re-enter your full MemberCard number) and de-register your computer (you will need to re-answer your security questions).
To prevent this from occurring you should set your browser or anti-virus and anti-spyware programs to not delete your wscu.com cookies.
- If you use Internet Explorer, click here for information about deleting cookies.
- If you use Firefox, click here for information about deleting cookies.
- If your cookies are being deleted by an anti-virus or anti-spyware program, view the program help files or contact the manufacturer for information about managing cookies.
Most recent browser versions allow you to set some level of control over which cookies are accepted and how your browser uses them. For example, it may be set to notify you when it is receiving a cookie so that you accept cookies from only known, reliable sites such as this one.
If you are concerned about cookies, we encourage you to upgrade your browser to a recent version and review the Help section of your browser to learn more about its specific control features.
Website Statistics & Transaction Information
To continually improve our site, we often collect statistics about how our members are using it. These usage statistics are only viewed in the aggregate and are not associated with you as an individual. We use this information for purposes such as improving the pages where our members are having difficulties.
The information collected may include your IP address, your browser type and your operating system, as well as data such as the number and types of pages visited, and the length of time spent per page and on the site overall.
Our Online Banking service has many transactional functions such as transfers between accounts and bill payment functions. These transactions are all logged to ensure that your accounts are debited or credited appropriately, and a history of each transaction is available to verify your account information. We store and use your transactional information in the same fashion as if you performed the transaction at a branch or through any other service channel.
We may also use transactional information for servicing your account — for example, billing you for the particular transactions that you perform, or for the services that you use.
Email and Application Forms
To communicate with us electronically, we strongly recommend that you use ourContact Us feature. This feature provides a secure channel for sending us comments, questions or instructions.
General email is not secure since it passes through many points on its route from you to us. If you are using general email to communicate with us, we strongly recommend that you do not include personal financial information (such as account numbers) within the email as we cannot guarantee its confidentiality en route to us.
When you email us your comments, questions or instructions, you provide us your email address and we use it to correspond with you. We then store your email and our replies to you in case we correspond further.
As well, when you complete an application or contact form on our site we collect and store the information you have entered in a similar way to application forms received by fax or in a branch.
Links To Other Sites
Our site may also contain links to other websites or Internet resources. As an example, from time-to-time we may provide links to Microsoft or Firefox to assist you in upgrading your Internet browser. However, we have no control over these other websites or Internet resources and do not control their collection, use and disclosure of your personal information. Always review the Privacy Statements of the sites that you are viewing.