A copy of this online privacy policy can be downloaded by clicking here.
Online Privacy Policy
Effective Date: March 2025
Introduction
iQ Credit Union (“Company,” “We,” or “Us”) respects your privacy and is committed to protecting it through our compliance with this Online Privacy Statement. This Online Privacy Policy describes the types of information we may collect from you or that you may provide when you visit our website, iqcu.com (“Website”), and explains how we collect, use, maintain, protect, and disclose that information.
This Online Privacy Policy is in addition to other privacy disclosures set forth in the Privacy Policy page available on our Website in the footer.
Scope
This Online Privacy Policy applies to information we collect:
- On this Website.
- In email, text, and other electronic messages between you and this Website.
- Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
- When you interact with our advertising and applications on third-party websites and services if those applications or advertising include links to this policy.
It does not apply to information collected by:
- Us offline or through any other means, including on any other website operated by the Company or any third party (including our affiliates and subsidiaries);
- Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.
Please read this Online Privacy Policy carefully. If you do not agree, your choice is not to use our Website. By accessing or using this Website, you agree to this Online Privacy Policy. It may change from time to time (see Changes to Our Online Privacy Policy). Continued use of this Website after changes are posted constitutes acceptance of those changes.
Children Under the Age of 16
iQ Credit Union is committed to protecting the safety of children using the Website. Where applicable, we comply with the Children’s Online Privacy Protection Act (COPPA) for children under 13. We require verifiable parental consent before collecting, using, or disclosing personal information from a child under 13. Please see [COPPA Privacy Policy.pdf] for additional details.
California residents under 16 may have additional rights regarding the collection and sale of their personal information.
Information We Collect About You and How We Collect It
We collect several types of information from and about users of our Website, including:
- Personally Identifiable Information (PII) — such as name, postal address, email, phone number, social security number (SSN), or any other identifier by which you may be contacted online or offline.
- Non-personal Information — account numbers, payment card identification and verification numbers, transaction and payment history, credit score, etc.
- Demographic and Geographic Information — your approximate or precise location, device settings, and similar data points.
- Information about your internet connection — equipment you use to access our Website, usage details (e.g., IP addresses, browser type, operating system), etc.
We collect this information:
- Directly from you when you provide it to us.
- Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
- Using website analytics software from Google Analytics and other analytics software.
Information You Provide to Us
We collect information:
- Directly from you when you fill out forms, download resources, apply for services, or otherwise provide data.
- Through our online banking platform and mobile app (e.g., user ID, date of birth, application data, form submissions).
- When you upload images for:
- Remote Deposit Capture: stored for at least 7 years.
- Profile Photos/Backgrounds: removed upon user account deletion; not used or shared otherwise.
- CashCamp: images also removed after deletion; not accessed by iQ Credit Union for any other purpose.
Information We Collect Automatically
As you navigate our website or mobile apps, we may use automatic data collection technologies such as cookies, web beacons, and pixels to gather information about:
- Usage details: Traffic data, location data, logs, and resources you access/use.
- Device information: IP addresses, operating system, browser type, unique device identifiers, and language settings.
- Online activities: Over time and across third-party websites (behavioral tracking).
Cookies may include:
- First-Party Cookies: Set by our Website to track page views, user sessions, and interactions.
- Third-Party Cookies: Set by partners like Google Ads, Facebook (Meta), TikTok, and Vibe.co for analytics, advertising, and retargeting.
Information collected through cookies might include:
- Page URLs, session IDs, event data (clicks, form submissions), and UTM parameters.
- Device type, browser language, user agent.
- IP address for approximate location and fraud detection.
- Hashed user data (e.g., email) if provided for matching or analytics.
Remarketing
We may drop a cookie in your browser so that later you might see ads for our products or services on Google, Facebook, or other platforms. These remarketing cookies typically expire after ~30 days but may vary by platform. Data may be combined or associated with personal information if you have provided it to us.
Server-Side Tracking
We use server-side tracking tools (e.g., Stape.io + Google Tag Manager in a server-side configuration) to enhance data security and comply with privacy laws. This includes:
- Aggregating event data for Facebook, TikTok, Google Ads, and Vibe.co.
- Improving tracking accuracy without relying solely on browser cookies.
- Sending anonymized or hashed data (e.g., email addresses) where required.
- Possibly circumventing some ad/content blockers, as server-side tags are less likely to be blocked.
How We Use Your Information
We may use the information collected (including personal information, third-party data, mobile app data, and website data) to:
- Present our Website and its contents to you.
- Provide information, products, or services you request from us.
- Process applications and transactions, including online banking services.
- Communicate about your account, including billing and collection.
- Notify you about changes to our Website or Services.
- Provide you with member services and let you participate in interactive features.
- Personalize advertising and measure campaign performance (via Google Ads, Facebook, TikTok, Vibe.co, etc.).
- Respond to user requests (e.g., refer-a-friend emails) and enforce legal rights.
- Enhance security and fraud detection (detect suspicious or unauthorized activity).
- Comply with legal requirements (court orders, regulatory obligations).
Disclosure of Your Information
We may share or disclose aggregated information (not identifying any individual) without restriction. We may disclose personal information that we collect or you provide:
- To Subsidiaries and Affiliates: For business or operational purposes.
- To Contractors and Service Providers: Bound by confidentiality, used solely to provide business services (e.g., hosting, analytics, payment processing, identity verification).
- Corporate Transactions: In a merger, acquisition, or sale of assets, your data may be transferred.
- To Fulfill a Purpose: If you provide an email for a “refer a friend” campaign, we pass along that email.
- With Your Consent: Or as disclosed when you provide the information.
- Legal Obligations: To comply with court orders, legal processes, or government/regulatory requests.
- Fraud Protection: To protect the rights, property, or safety of iQ Credit Union, members, or others, including exchanging information with other companies to detect fraud or reduce credit risk.
Advertising & Analytics Partners
We partner with advertising platforms like Facebook (Meta Ads), TikTok Ads, Vibe.co, and Google Ads to measure campaign performance, retarget visitors, and deliver personalized advertising. Data collected for advertising may include:
- Website interactions: Page views, form submissions, clicks, purchases.
- UTM parameters: Sources and campaigns.
- Engagement: Pixel-based or script-based interactions.
- Hashed user data: For audience matching (non-personally identifiable versions of name, email, etc.).
Use of Ad Blockers
Due to server-side Google Tag Manager (sGTM), some ad/content blockers may not fully block all data collection. Data you intend to block may still be processed via server-side setups.
Opt-Out Information
Website Data Collection
If you want to opt out of data collection on our Website, please fill out the form located by clicking here.
Online Banking Data Collection
You must request deletion of your profile to fully opt out. Contact us to start this process.
Adjusting Cookie Settings
- You can refuse or delete cookies. However, even if you disable cookies, we may still gather essential information about device interactions for security and functionality.
- Our Website may not function properly if you disable certain cookies.
- You may continue receiving ads, but they may not be tailored to your interests.
Information Collected Despite Cookie Settings
- Device Information: Type, OS, and identifiers.
- Log Information: IP addresses, browser type, times/dates of requests.
- Page Interactions: Pages visited, time spent, and basic interaction patterns.
- Referral Data: The URL that led you to our site.
This data is critical for site functionality, security, diagnostics, and ensuring a stable experience.
Additional Ways to Limit or Opt-Out
Third-Party Data Collection
When you use our Website, third parties like Facebook, NextRoll, LinkedIn, Google Analytics, and Google Ads may collect data about your visit. This can include:
- User Engagement Metrics: Bounce rate, clicks, form submissions, video views, conversion tracking.
- Referral Information: Websites or platforms that directed you to our site; search terms used.
- Demographic & Interest Information: Potentially aggregated from online activity (age range, gender, interests).
- Technical Data: Browser type, OS, network, screen resolution.
- Location Data: IP-based general location or device-based precise location (with permission).
- Behavioral Data: Paths through the site, exit pages, frequency of visits.
- Ad Interactions: Which ads you clicked and on which platforms.
- Social Interactions: If you liked, shared, or commented on posts; limited public profile info.
You can opt out of Google Analytics specifically via the Google Analytics Opt-Out Browser Add-On. This won’t affect iQ’s internal data collection but can stop certain analytics data from being sent to Google.
Your California Privacy Rights
We may use cookies or other technologies to track user behavior for site usage analytics. We do not disclose personal information in ways that constitute a “sale” under California law. California residents have rights to request and opt out of certain information collected. Click here for more details or to exercise your CCPA rights.
Data Security
We employ measures to safeguard your personal information from accidental loss and unauthorized access. All sensitive data is encrypted and stored on secure servers behind firewalls. Payment transactions and sensitive application data are protected using SSL technology.
Your Responsibility
- If you have a password to access certain parts of our site or services, keep it confidential.
- Be cautious about posting in public areas of our Website, as it may be viewed by other users.
No Guarantee
Despite our best efforts, no data transmission over the internet or storage system is completely secure. Transmission of personal information is at your own risk.
Changes to Our Online Privacy Policy
The most current version of this Online Privacy Policy will be posted in the footer of our Website. The effective date is listed at the top. You are responsible for periodically visiting our Website and this Policy to check for any updates. Material changes may be noted via an on-site notice or email.
Contact Information
If you have questions or comments about this Online Privacy Policy and our privacy practices, please reach out via:
- Phone: 360.695.3441 or toll-free at 800.247.4364
- Online Banking: iqcu.com — log in or use our mobile app, then send a secured message.
- Mail:
iQ Credit Union
PO Box 1739
Vancouver, WA 98668-1739
Changes
We reserve the right to change this Online Privacy Statement at any time. By continuing to use our Website after changes, you agree to check this Statement periodically for updates and to abide by the new version upon its posting.
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