Cookie Policy
This policy explains how OXE Credit Union legal entities that utilize the names OXE Credit Union, OXE Credit Union, U.S. OXE Credit Union Trust, OXE Credit Union, legal entities (“Company”, “we”, “us” or “our”) use cookies and similar tracking technologies when you interact with us online through our websites and mobile applications (“Sites and Mobile Apps”).
Introduction
The use of cookies and similar tracking technologies (including pixels or clear GIFs, tags, web beacons and Flash objects)
is a common internet practice. Cookies are text files containing small amounts of information that are downloaded to your computer, smartphone, tablet or other mobile device when you visit a website. Tracking technologies may collect information about you and your use of sites and mobile apps. We have developed this policy to provide general information on cookies and similar tracking technologies which we will refer to as “cookies.”
Cookies are useful in a number of ways, including allowing a site or mobile app you use to recognize your device, keep track of pages visited and even remember your preferences. This information is used for security purposes, to facilitate navigation, to display information more effectively and to personalize the user’s experience. Cookies and similar tracking technologies are also used to gather statistical information about how sites and mobile apps are used in order to continually improve design and functionality and assist with resolving questions regarding the sites and mobile apps.
We will retain personal information collected through cookies for as long as needed or permitted in light of the purpose(s) for which it was obtained. The criteria used to determine our retention periods includes the purpose for which the Personal Data was collected, whether there is a legal obligation to which we are subject and whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations).
Attributes of Cookies
Cookies set by OXE Credit Union and cookies created and set by third party providers on our behalf are called first-party cookies.
Cookies set by third party providers which are permitted by the OXE Credit Union but which are not set on our behalf are called third-party cookies. Information obtained from a third-party cookie can only be used for the purposes for which we have stated in the contract.
There can be first-party and/or third-party cookies within any of the below Categories of Cookies.
Cookies have a duration period. Cookies that expire at the end of a browser session are called “session” cookies. Cookies that are stored longer are called “persistent” cookies. There can be session and/or persistent cookies within any of the below
Categories of Cookies except for Geolocation Cookies, which are only session cookies.
Categories of Cookies
Below is a list of the types of cookies used in our Sites and Mobile Apps. We classify cookies into the following categories:
Managing Cookies
You have choices about how cookies are used during your visits to our Sites and Mobile Apps.
When you access our Sites and Mobile Apps, you are able to opt out of Online Behavioral Advertising which is tailored content and advertising based on your online behavior. To opt out, go to https://oxecu.com/privacy and select “Opt out of ads based on your online activity.” If you opt out of this advertising, you may still receive general advertising from us.
Additionally, when you access Sites and Mobile Apps and in compliance with local regulations, you may be presented with a cookie banner where you can opt in to or out of certain cookie categories. You may not opt out of strictly necessary cookies which ensure our Sites and Mobile Apps work properly; however, you may opt in to or opt out of the other cookie categories mentioned above. If you do not make any selections by either clicking the “x” to close the banner or by navigating away from the initial web page, your choices will be captured as opted out of all cookies except strictly necessary cookies. Your choices will be kept for six (6) months, at which point you will be presented with the cookie banner again. You can change your choices at any time within our Sites and Mobile Apps.
Please note, if you delete cookies, access our Sites and Mobile Apps from a different device or change web browsers, you may be prompted to make your selections again.
Third Party Providers
OXE Credit Union works with third party providers who are contractually obligated to comply with our policies to protect information.
We may contract with a third party provider to provide support to us through their sites. If you are on one of our Sites or
Mobile Apps and you click a link to one of their sites, you will be presented with a notice that you are continuing to a site that we do not own. The third party provider is solely responsible for cookies, cookie tracking and your choices for managing cookies on their site. Please refer to the posted privacy policy and terms of use.
When we contract with a third party provider to manage the content of the information within our Sites and Mobile Apps, the third party provider is solely responsible for cookies, cookie tracking and your choices for managing cookies.