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Privacy Policy

BELLWETHER ONLINE PRIVACY PRACTICES

Revised as of 5/2022.

Bellwether Community Credit Union (BCCU) is committed to safeguarding information about our members and visitors to our website. Our Privacy Policy explains our collection, use, retention and security of member information and applies to users of our products and services. Online activities may be subject to both our Privacy Policy and our Online Privacy Practices.

See our Children's Online Privacy Policy as it relates to our "Save It Today!" Kid's Club, and which is issued in conjunction with this Privacy Statement.

These Online Privacy Practices explain our use of the information we collect about you when you visit our website. They do not constitute a contract or create legal rights or modify or amend any agreements BCCU has with its members or visitors.

Online Privacy Practices

  • Advertising Cookies

    We may also use cookies to assist us in advertising our products and/or services. This is known as remarketing and may involve third-party partners using “advertising cookies” for this purpose. The sole use of these advertising cookies is to show you advertisements for our site and products or services that you have shown an interest in by visiting specific pages on our site. They are not used to track you in any other way. Information in these cookies is not linked to any personal information.

  • How We Collect Information

    We may collect information online through "cookies". A cookie is a small file written to your hard drive by our server. We may use cookies to enhance your online experience, to facilitate your use of our Website and to collect site-visitation statistics. If you register for certain personalized services, or choose to save personal information on our Website, BCCU may store this information in an encrypted cookie. Our use of encrypted cookies makes your repeated online interactions with us easier by allowing you to avoid re-entering your personal information each time you visit the Website. If you are uncomfortable with our use of cookie technology, you can set your browser to refuse cookies. Certain services are dependent on cookies, and you may disable those services by refusing cookies.

  • Information Storage

    BCCU may store the information collected during your visit in an electronic database. BCCU uses measures to protect against the loss, misuse and alteration of data stored in our systems.

  • Third Party Sites

    This Website may contain links to third-party sites that you may find useful. BCCU is not responsible for the content or privacy practices of these other websites.

    This privacy statement is for general guidance and does not constitute a contract or create legal rights and does not modify or amend any agreements we have with our members.

Advertising Cookies

We may also use cookies to assist us in advertising our products and/or services. This is known as remarketing and may involve third-party partners using “advertising cookies” for this purpose. The sole use of these advertising cookies is to show you advertisements for our site and products or services that you have shown an interest in by visiting specific pages on our site. They are not used to track you in any other way. Information in these cookies is not linked to any personal information.

How We Collect Information

We may collect information online through "cookies". A cookie is a small file written to your hard drive by our server. We may use cookies to enhance your online experience, to facilitate your use of our Website and to collect site-visitation statistics. If you register for certain personalized services, or choose to save personal information on our Website, BCCU may store this information in an encrypted cookie. Our use of encrypted cookies makes your repeated online interactions with us easier by allowing you to avoid re-entering your personal information each time you visit the Website. If you are uncomfortable with our use of cookie technology, you can set your browser to refuse cookies. Certain services are dependent on cookies, and you may disable those services by refusing cookies.

Information Storage

BCCU may store the information collected during your visit in an electronic database. BCCU uses measures to protect against the loss, misuse and alteration of data stored in our systems.

Third Party Sites

This Website may contain links to third-party sites that you may find useful. BCCU is not responsible for the content or privacy practices of these other websites.

This privacy statement is for general guidance and does not constitute a contract or create legal rights and does not modify or amend any agreements we have with our members.

What Does BCCU Do With Your Personal Information?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Account balances
  • Payment history
  • Transaction or loss history
  • Credit history
  • Credit card or other debt

All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons Bellwether Community Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

For everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. 

Does BCCU share? - Yes
Can you limit this sharing - No

For our marketing purposes - to offer our products and services to you.

Does BCCU share? - Yes
Can you limit this sharing - No

For joint marketing - to offer our products and services to you.

Does BCCU share? - Yes
Can you limit this sharing - No

For our affiliates' everyday business purposes - information about your transactions and experiences.

Does BCCU share? - Yes
Can you limit this sharing - Yes

For our affiliates' everyday business purposes - information about your creditworthiness.

Does BCCU share? - No
Can you limit this sharing - N/A - We don't share

For our affiliates to market to you.

Does BCCU share? - Yes
Can you limit this sharing - Yes

For non-affiliates to market to you.

Does BCCU share? - Yes
Can you limit this sharing - Yes

To limit our sharing

Click here to download and print the privacy form

Bellwether Community Credit Union, 425 Hooksett Road, Manchester NH 03104

Please note:

If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we will continue to share your information as described in this notice. However, you can contact us in writing or in person to limit our sharing.

Questions?

Contact a Member Services Representative at 1-866-996-9828 or visit one of our branch offices in Manchester, Bedford, and Nashua. NOTE: When you call during business hours, one method we may use for member verification is sending a text to your phone. You authorize your wireless carrier (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose to Bellwether Community Credit Union and its third-party service providers your mobile number, network status, customer type, customers role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, solely to verify your identity and prevent fraud for the duration of the relationship. See our Privacy Policy to how we treat your data.

 

Who We Are and What We Do

  • BCCU means Bellwether Community Credit Union

  • To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.  We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

  • We collect your personal information, for example, when you

    • Open an account
    • Apply for a loan
    • Seek advice about your investments
    • Make deposits or withdrawals from your account
    • Give us contact information
    • Use your credit or debit card
    • Provide account information

    We also collect your personal information from other, such as credit bureaus, affiliates, or other companies.

  • Federal law gives you the right to limit only

    • Sharing for affiliates' everyday business purposes - information about your creditworthiness
    • Affiliates from using your information to market to you
    • Sharing with non-affiliates who market to you

    State laws and individual companies may give you additional rights to limit sharing.

  • Your choices will apply to everyone on your account.

  • We use Google Analytics to better understand how visitors interact with our websites. This service provides non-personally identifiable data including but not limited to data on where visitors came from and what actions they took on the websites. We use this information to improve your experience.

BCCU means Bellwether Community Credit Union

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.  We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Seek advice about your investments
  • Make deposits or withdrawals from your account
  • Give us contact information
  • Use your credit or debit card
  • Provide account information

We also collect your personal information from other, such as credit bureaus, affiliates, or other companies.

Federal law gives you the right to limit only

  • Sharing for affiliates' everyday business purposes - information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing with non-affiliates who market to you

State laws and individual companies may give you additional rights to limit sharing.

Your choices will apply to everyone on your account.

We use Google Analytics to better understand how visitors interact with our websites. This service provides non-personally identifiable data including but not limited to data on where visitors came from and what actions they took on the websites. We use this information to improve your experience.

Definitions

  • Companies related by common ownership or control. They can be financial and non-financial companies.

    • Our affiliates include Bellwether Insurance Services, LLC. We currently do not share information with Bellwether Insurance Services, LLC.
  • Companies not related by common ownership or control. They can be financial and non-financial companies.

    • Non-affiliates we can share with include companies such as credit bureaus, data processors, credit and debit card processing networks, insurance companies, and mailing and distribution services. Our nonaffiliates also include Northeast Planning Associates.
  • A formal agreement between non-affiliated financial companies that together market financial products or services to you.

    • Our joint marketing partners ancillary services such as identity theft protection.

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include Bellwether Insurance Services, LLC. We currently do not share information with Bellwether Insurance Services, LLC.

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Non-affiliates we can share with include companies such as credit bureaus, data processors, credit and debit card processing networks, insurance companies, and mailing and distribution services. Our nonaffiliates also include Northeast Planning Associates.

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners ancillary services such as identity theft protection.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We do not share personal information with non-affiliated institutions, for them to market to you or for joint marketing, without your authorization.
For California Customers. We do not share personal information with non-affiliated institutions, for them to market to you or for joint marketing, without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non-affiliates, either for them to market to you or for joint marketing, without your authorization.
For Vermont Customers. We do not share personal information with non-affiliates, for them to market to you or for joint marketing, without your authorization, and we do not share personal information with affiliates about your creditworthiness without your authorization.

 

Mobile Permissions

  • Allows access to the device's camera for mobile check deposit.

    Example: Mobile Remote Deposit

  • Allows access to location maps and directions to centers and ATM locations. The BCCU Card Control App periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the app is being used or not at all, depending on the End User’s selection. End Users can change their location permissions at any time in their device settings.

    Example: Maps

  • Allows access to files/media on the device for optional Secure Message Attachments.

    Example: Secure Message Attachments

  • Allows access to contacts on the device for P2P recipients.

    Example: Person to Person Payments

  • Allows access to the device's microphone for optional Chat functions.

    Example: Chat

  • Allows access to information about the user's device for device identification.

    Example: Malware / Anti-Phishing for Easy Solutions Integration

  • Allows access to stored images on the device.

    Example: Receipt Capture, Mobile Remote Deposit

Allows access to the device's camera for mobile check deposit.

Example: Mobile Remote Deposit

Allows access to location maps and directions to centers and ATM locations. The BCCU Card Control App periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the app is being used or not at all, depending on the End User’s selection. End Users can change their location permissions at any time in their device settings.

Example: Maps

Allows access to files/media on the device for optional Secure Message Attachments.

Example: Secure Message Attachments

Allows access to contacts on the device for P2P recipients.

Example: Person to Person Payments

Allows access to the device's microphone for optional Chat functions.

Example: Chat

Allows access to information about the user's device for device identification.

Example: Malware / Anti-Phishing for Easy Solutions Integration

Allows access to stored images on the device.

Example: Receipt Capture, Mobile Remote Deposit

Bellwether Community Credit Union Children’s Online Privacy Statement
(Supplement to standard Right to Privacy brochure)

Bellwether Community Credit Union is committed to safeguarding information about our members and visitors to our Web site. This includes information that we may receive from children.

This Online Children’s Privacy Statement explains our collection, use and security of personal information received from a child, as it required and relating to The Children's Online Privacy Protection Act (COPPA). This Act was passed to give parents/guardians increased control over what information is collected from children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Bellwether Community Credit Union does not knowingly collect personal information from children.

Personal Information

We do not collect personally identifying information from our Web site through the use of cookies or any other tracking features. We use session variables to monitor site usage. This provides us with information to determine how best to maintain our site.

The only information Bellwether receives online from children is email they have sent to us. Email generated from children is deleted once we have responded to any requests. Information we receive from a child could include their name, address, age and phone number. We may use the personal information to sign your child up for a kids club event, kids club newsletter, or for birthday card mailings. We do not require a child to disclose more information than is reasonably necessary to participate in contests, games or other activities, or as a condition of participation. We do not provide any personal information from children to third parties or our affiliates.

Personal information about children using our site is available only to those who work on the site or who provide technical or other fulfillment support services to the site. If you have any questions please reach out to our Marketing Department at marketing@bccu.org.

Third Party sites:

It is our practice to link only to the sites of well-known, reputable companies. Nevertheless, we are not responsible for the content or information collection practices of any other site.

This privacy statement is for general guidance and does not constitute a contract or create legal rights, and does not modify or amend any agreements we have with our members.

Parental Consent:

We will not collect, use or disclose personally identifiable information from a child without obtaining prior parental consent. At this time, we do not collect personally identifiable information. Should that policy change, we will notify parents, post the fact that information is being collected, obtain consent from parents in compliance with COPPA, and inform parents about procedures available to review and/or prevent the information from being collected. If you have any questions or concerns about Bellwether Community Credit Union’s Children’s Online Privacy Protection Policy, you may email our Marketing Department at marketing@bccu.org.

For additional information on COPPA protections, you can also visit the Federal Trade Commission's website at: http://www.ftc.gov/news-events/media-resources/protectingconsumer-privacy/kids-privacy-coppa

 

Download our Privacy Mail-in Form here.

Mail To:
Bellwether Community Credit Union
425 Hooksett Road
Manchester, NH 03104

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Third Party Site Disclaimer

By accessing the noted link you will be leaving Bellwether Community Credit Union’s website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Bellwether Community Credit Union’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Bellwether Community Credit Union.

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Third Party Site Disclaimer

Custom Test - By accessing the noted link you will be leaving NAME Credit Union’s website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of NAME Credit Union’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of NAME Credit Union.

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Third Party Site Disclaimer

Custom Test - By accessing the noted link you will be leaving NAME Credit Union’s website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of NAME Credit Union’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of NAME Credit Union. Proceed to https://docs.google.com.