Online Privacy Practices
Revised as of 4/2026.
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 Begin Savings Account, 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.
Analytics
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.
Do With Your Personal Information?
| Why? | 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 how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? |
The types of personal information we collect and share depend on the product or service you have with
us. This information can include:
|
| How? | 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 | Does BCCU share? | Can you limit this sharing? |
|---|---|---|
| For our 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. | YES | NO |
| For our marketing purposes - to offer our products and services to you. | YES | NO |
| For joint marketing purposes - to offer our products and services to you. | YES | NO |
| For our affiliates' everyday business purposes - information about your transactions and experiences. | YES | YES |
| For our affiliates' everyday business purposes - information about your credit worthiness. | NO | N/A, We don't share. |
| For our affiliates to market to you. | YES | YES |
| For our nonaffiliates to market to you. | YES | YES |
| To limit our sharing |
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 continue to share your information as described in this notice. However, you can contact us anytime in writing or in person to limit our sharing. |
| Questions? | Contact a Member Services Consultant toll-free at 1-866-996-9828 or go to www.bccu.org or visit one of our branch offices in Manchester, Bedford and Nashua. |
| Who is providing this notice? | BCCU means Bellwether Community Credit Union. |
| How does BCCU protect my personal information? |
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 your information and we limit access to information to those employees for whom access is appropriate. |
| How does BCCU collect my personal information? |
We collect your personal information, for example, when you:
|
| Why can't I limit all sharing? |
Federal law gives you the right to limit only:
|
| What happens when I limit sharing for an account I hold jointly with someone | Your choices will apply to everyone on your account. |
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
| Other Important Information |
For Alaska, Illinois, Maryland and North Dakota Members. We do not share personal information with nonaffiliates, either for them to market to you or for joint marketing-without your authorization. For California Members. We do not share personal information with nonaffiliates, either 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 California privacy laws that apply to us. For Massachusetts, Mississippi, and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates, either for them to market to you or for joint marketing without your authorization. For Vermont Members. We do not share personal information with nonaffiliates, either 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. |
| Permissions | Function | Example |
|---|---|---|
| Camera | Allows access to the device's camera for mobile check deposit. | Mobile Remote Deposit |
| Location | Allows access to location maps and directions to centers and ATM locations. | Maps |
| Access to External Storage | Allows access to files/media on the device for optional Secure Message attachments. | Secure Message Attachments |
| Contacts | Allows access to contacts on the device for P2P recipients. | Person to Person Payments |
| Audio | Allows access to the device's microphone for optional Chat functions. | Chat |
| Phone NH | Allows access to information about the user's device for location identification. | Malware / Anti-Phishing for Easy Solutions Integration |
| Images | Allows access to stored images on the device. | 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.
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 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