Privacy Agreement

Burbank Community Federal Credit Union respects our members' right to privacy.

Burbank Community FCU Privacy Policy:

Protecting your privacy
Burbank Community Federal Credit Union values the privacy of our members. You have chosen to do business with us, and we recognize our duty to keep the information you provide to us secure and confidential. We believe that all personal and financial information, specific to you, that you provide to the Credit Union, through any channel, constitutes personal information. Protecting your privacy, along with your financial assets, is at the core of our business.

Keeping your information secure
Keeping your financial information secure is one of our most important responsibilities. We value your trust and handle your information with care. Our employees access information about you, when needed, to maintain your accounts, or to otherwise meet your needs. Our service standards emphasize the importance of keeping our members' information confidential. We protect information according to established security standards and procedures, and we continually assess new technology for protecting information.

Working to meet your needs through information
In the course of doing business, we collect and use various types of information, such as information available from public records, market research and credit reports, as well as information you provide to us. We, also, may access information about you, such as credit reports, when considering a request from you for additional services or when exercising our rights under the law or any agreement with you.

Keeping your account information accurate and up to date is very important. We have established procedures so that your financial information is accurate, current and complete. If you ever find that your account information is incomplete, inaccurate or not current, please call or write us at the telephone number or address listed on your account statement. We will correct any wrong information as quickly as possible.

How and why information is shared
We limit who receives information, and what type of information is shared. We share information with the goal of bringing you greater convenience and more choices.

Other
Information may be exchanged with credit bureaus and similar organizations, provided when legally required or permitted, or in connection with a fraud investigation. If we receive a subpoena or similar legal process demanding release of any information about you, we will attempt to notify you (unless we believe we are prohibited from doing so). Except as required by law or as described above, we do not share information with other parties, including government agencies. Certain information, such as trust and fiduciary information is subject to very strict limitations regarding the sharing of information, both internally and externally. We do not collect personal identifying information about visitors to our Internet site. Individual visitors to Burbank Community Federal Credit Union's web site remain anonymous. Our servers collect standard non-identifying information about visits to the website, such as date and time visited, IP address, city, state, and country. This information is used to compile standard statistics on website use.

The Fair Credit Reporting Act
The Fair Credit Reporting Act ("FCRA") regulates the sharing of information between the Credit Union and the Credit Union's Affiliate, CUSAN, Inc. and non-affiliated third parties.

The FCRA permits the Credit Union to share the following types of transaction and experience information: identification about you; information about your transactions with the Credit Union or its Affiliate(s); and information about the experiences of the Credit Union or its Affiliate(s) with you (collectively referred to as "Transaction/Experience Information"). Examples of Transaction/Experience Information include your account balances and your credit history with us. It is the Credit Union's practice to share Transaction/Experience Information to administer your accounts and to provide you with enhanced products and services and other opportunities.

As a public service
Many members wish to reduce the amount of national advertising that they receive. One way to do that is to notify the Direct Marketing Association. The Direct Marketing Association has no relation to Burbank Community Federal Credit Union, but we have included the following addresses as a service to you, so that you may request to be excluded from mailing and telemarketing lists.

Mail preference service
c/o Direct Marketing Association
PO Box 9008
Farmingdale, NY 11735-9008

Telephone preference service
c/o Direct Marketing Association
PO Box 9014
Farmingdale, NY 11735-9014

Please include complete information about each name, address and telephone number that you would like excluded from national advertising lists. If you have moved within the last year, please also include your old address and phone number. If you would like to have your name taken off all pre-approved credit solicitations (not just Burbank Community Federal Credit Union solicitations), you can write to the following credit reporting agencies. Please be sure to include your name, current address and Social Security Number.

Experian Consumer Opt-Out
P.O. Box 919
Allen, TX 75013

Options Equifax, Inc.
P.O. Box 740123
Atlanta, GA 30374

Trans Union Corporation
Name Removal Option
P.O. Box 97328
Jackson, MS 39288

Burbank Community Federal Credit Union is committed to protecting your privacy
You can count on us to keep you informed about how we protect your privacy ane limit the sharing of information you provide to us - whether it's at a branch, over the phone, or through the Internet. Please note that since we cannot control information on other Internet sites, we are not responsible for the content of sites linked from our website. Our privacy policies may change from time to time, so please check our webite, or ask for the most updated copy when you call or visit the Credit Union.

Privacy Policy Statement - Basic Definitions
"Personal Data" is personal and/or confidential information that relates to you and your account, policy or contract with Burbank Community Federal Credit Union.

"Communications" are any non-confidential and non-proprietary communications information, except for personal data, that you transmit to the website by electronic mail or otherwise, including data, questions, comments and/or suggestions.

"Personal Information" is any communication where you knowingly enter your personal information such as your name, address, social security number, or telephone number.

"Non-Personal Information" is any communication derived from your connection to the website, such as your Internet browser, domain name and referrer link.

All communications, except for personal data, will be treated as non-confidential and non-proprietary, will become the property of Burbank Community Federal Credit Union and may be used for purposes described herein.

When does Burbank Community Federal Credit Union collect personal information?
Visitors to www.burbankfcu.org will remain anonymous. We do not collect confidential information about website visitors. Our servers collect standard non-identifying information about visits to the site, such as date and time visited, Internet (IP) address, city, state, and country. This information is used to compile standard statistics on website use, such as number of hits per page, date and time of usage, number of users, etc.

If you have provided personal identifying information via e-mail (such as name and address), the information is not sold or transferred to other parties.

Your email address will not be disclosed to other parties. We will retain the content of the email, your email address, and our response. This will allow us to respond to any follow-up questions you may have and to measure how effectively we address your concerns.

If you use our home banking services, your online sessions, including the transactions you conduct online, will be collected and retained. This data enables us to process and confirm your transactions. It also enables us to provide you with automatic online reports.

You may use services provided by a service provider to Burbank Community Federal Credit Union. This service provider may retain personal information you provide in the context of using that product or service ONLY. They do not have any access to any other information except what you provide to them. They, too, are sensitive about privacy, and treat your information with caution.

How does Burbank Community Federal Credit Union use the personal information I provide?
Burbank Community Federal Credit Union will use personal information you have provided, as appropriate in the normal course of our business to provide the products and services that you have requested, or those which may be of interest to you. We, also, will use this information to confirm your identity when you contact us. On occasion, we may extend offers of products and promotions from the information you have provided to offer new service opportunities to you.

Burbank Community Federal Credit Union may be required to disclose member information as a result of regulatory, legal or judicial action. We will comply with all applicable laws in making these disclosures, and ensure that the requesting party is legally entitled to the information.

Does Burbank Community Federal Credit Union provide personal information to external parties?
No. Burbank Community Federal Credit Union does not and will not sell or provide personal information to third parties for independent use. We may, however, share personal information with our business partners if that information is required to provide the product or service you have requested.

Can I confirm that the information Burbank Community Federal Credit Union collects is correct?
If you ever have questions or issues regarding the accuracy of your personal information at Burbank Community Federal Credit Union, please contact us in writing, via e-mail or telephone. We will investigate your questions and update our records as needed. We request you keep your information as up to date as possible so that you may get the maximum benefit from the Credit Union. In particular, please make sure that you inform us of e-mail address changes since this is the most rapid way to communicate.

How is my information protected?
We use multiple levels of security to ensure there is no unauthorized access of your information.

If I terminate my membership or become an inactive member will you change your procedures?
No. We will adhere to the primary policies and practices as described in this notice.

How do I know the Internet is safe and that my account is secure?
Short answer:
First and foremost, Burbank Community Federal Credit Union will stand behind you, should any fraudulent activity occur on your account. You will not have any liability for any account activity not authorized or conducted by you, so long as you comply with Burbank Community Federal Credit Union's Electronic Fund Transfers Disclosure and Agreement. Secondly, we believe we have sufficient safeguards in place to protect you and us from fraudulent activity via the Internet. These safeguards include state-of-the-art security controls, encryption of sensitive information, and account access via a PIN that you can change at any time. Please refer to the "technical answer" below if more detailed information is desired.

Technical answer:
Burbank Community Federal Credit Union's service provider for home banking and bill payment has developed a multi-tiered security program that provides protection for our Internet Home Banking. This program is made up of software and hardware solutions and procedures. This program enables our members to conduct account access and bill pay, via the Internet, with an extremely high degree of security.

Data Source Security
At no time does anyone from the outside world have access to Burbank Community Federal Credit Union's database via the Internet. Any request for data must pass through two distinct validation and control centers, the Application Firewall and the WWW Home Banking Server. Each request and answer is logged at each stop through the firewall. Any suspicious activity is logged and causes an alarm.

Firewall Segmentation
Any incoming request from the Internet is captured by the Application Firewall and validated. The Application Firewall stops ALL incoming traffic. The Application Firewall, then, makes a request to the WWW Home Banking Server, mimicking the request made by our member on the Internet, as long as that request is a valid secure HTML request. The WWW Home Banking Server will only take requests from the Firewall. The WWW Home Banking Server, then, makes a request to the Firewall, speaking its own language on a secret port, for a secret address. The Firewall, again, validates this request and talks to the Credit Union database on its secret port, for its secret address. Provided the request has followed the above listed steps, the Credit Union database, then, receives the request for data.

All ports and IP addresses used behind the Firewall are private and cannot be routed via the Internet. Therefore, no communication is ever possible between the Internet and the Credit Union's private database.

Real Time Security and Auditing
Through the use of blanketed network monitoring, the Application Firewall stands guard over the entire network, notifying the system administrator of any attempts of unauthorized access or hacking. Every transaction is audited and contains all network information. This allows the Application Firewall to act as an effective phone tap and tracing tool.

Data Transmission Protection
Secure Socket Layering (SSL) protects all transmissions via the Internet between the user and the Credit Union. SSL utilizes authentication and encryption technology developed by RSA Data Security Inc. This method of cryptography (also known as Public Key Encryption) provides for:
Server Authentication (thwarting impostors)
Privacy using encryption (thwarting eavesdroppers)
Data Integrity (thwarting vandals)

Public key encryption is a technique that uses a pair of asymmetric keys for encryption and decryption. One is called the public key, and one is called the private key. The public key is made public by distributing it widely. The private key is never distributed and is always kept secret. When data is encrypted using the public key, it can only be decrypted using the private key. Conversely, when data is encrypted using the private key, it can only be decrypted using the public key.

A message encrypted with 40-bit RC4 takes on average 64 MIPS-years to break. In other words, a 64-MIPS computer needs a year of dedicated processor time to break the message's encryption. The RC4 128-bit U.S. domestic version, which is the version used, provides protection exponentially more vast. To provide additional protection, we change our private keys at irregular intervals. The server authentication uses RSA public key cryptography in conjunction with ISO X.509 digital certificates.

Account Setup Protection
Burbank Community Federal Credit Union members can access their accounts via the Internet Home Banking only after they have specifically signed up for this service through the Credit Union. This process requires that the member sign-up for Home Banking and Bill Paying before they are allowed to use the service. Only authorized Credit Union personnel may perform this setup process.

Account and PIN Validation Protection
To access the Internet Home Banking, a Credit Union member must enter a correct account number and PIN. This PIN number is selected by the member.

Account and PIN Retry Protection
To gain access to the Internet Home Banking, a Credit Union member must give a correct account number and PIN. These fields are hidden on the computer screen when the member enters them. (When a member types in these fields, only asterisks ' * ' appear.)

If a hacker tries to, arbitrarily, guess an account number and PIN by writing a program that tries all possible combinations, or by manually typing in combinations, this action will be detected immediately by the Application Firewall, and the hacker will be denied access to the entire system by their IP address or range of IP addresses. We can, then, trace the hacker back to their source.

How do I know I am connected to Burbank Community Federal Credit Union's website?
Home banking is done on a secure server and data is encrypted between that server and your computer. You can tell your browser is connected to a secure server by the presence of a symbol on your computer screen. You will see this symbol only when you connect with the home banking secure server. You will not see the symbol at our public website. The symbol is a "padlock" if you are using Microsoft Explorer as your browser, and a "key" if you are using Netscape's browser. You may double click on this symbol to view information about the server to which you are connected.

Why must I enable cookies to use Online Banking?
When you logon to home banking, a temporary session ID is written to your browser's memory. While not technically a Cookie (which is stored on your hard drive), the cookie feature in the browser must be enabled to accept this temporary ID session. This temporary session ID is encrypted when sent to the browser and remains encrypted in the browser's memory. It disappears when you exit home banking, or when you exit your browser program. This ID allows continuous authentication to occur between your PC and the home banking secure server. This prevents someone else from intercepting your PC's communication with the server and "spoofing" the server into thinking it is talking with you. The use of this session ID is yet another layer of security, complementing the use of your pin, and SSL encryption to provide the most secure environment possible for your financial transactions.

Use of the information collected:
Burbank Community Federal Credit Union will primarily use communications to respond to your request(s). Burbank Community Federal Credit Union may use personal information for editorial and feedback purposes, marketing and promotional purposes, reproduction, disclosure, transmission, publication, broadcast or posting, and for a statistical analysis of users' behavior. Furthermore, Burbank Community Federal Credit Union retains the right to use ideas, concepts, know-how, or techniques contained in any communications you send to the website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Non-personal information may be aggregated for internal review and used to improve the site's content and its structure. This information will be discarded.

ALTHOUGH SOME PORTIONS OF THIS SITE ARE SECURED, INHERENT IN THE USE OF THE INTERNET AND INTERNET-RELATED TECHNOLOGIES IS SOME RISK OF DISCLOSURE OF INFORMATION, INCLUDING WITHOUT LIMITATION, PERSONAL DATA YOU SUPPLY. YOUR USE OF THE SITE AND YOUR ENTRY OF INFORMATION IS AT YOUR OWN RISK. BURBANK COMMUNITY FEDERAL CREDIT UNION CANNOT ACCEPT RESPONSIBILITY, AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR DAMAGE OR INJURY THAT YOU MAY INCUR, OR THAT MAY RESULT FROM YOUR USE OF THE SITE, OR THE INTERCEPTION OF INFORMATION YOU PROVIDE, INCLUDING WITHOUT LIMITATION, PERSONAL DATA, BY A THIRD PARTY.

Terms of Use Statement
Limitation of Liability.
THE SITE AND ITS CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. BURBANK COMMUNITY FEDERAL CREDIT UNION DOES NOT WARRANT THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT EITHER THE SITE OR THE SERVER THAT MAKES IT AVAILABLE TO YOU IS FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. THE BURBANK COMMUNITY FEDERAL CREDIT UNION DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT BURBANK COMMUNITY FEDERAL CREDIT UNION) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS.

Under no circumstances, including but not limited to negligence by act or omission, shall Burbank Community Federal Credit Union or any party involved in creating, producing, or delivering the website, be liable for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use the materials on the website, even if Burbank Community Federal Credit Union or a representative authorized by Burbank Community Federal Credit Union has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability, or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event, however, shall Burbank Community Federal Credit Union's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the website.

Links to third party websites.
If you use any links provided in the website to websites not owned, maintained nor hosted by Burbank Community Federal Credit Union ("off-sites"), you will leave the site. Burbank Community Federal Credit Union is not responsible for any off-site's privacy policies or terms of use. No judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of any off-sites, and Burbank Community Federal Credit Union takes no responsibility for such sites. A link to a service or website outside of the site is not an endorsement of the service or the website, its content, or its sponsoring organization.

Use of the Burbank Community Federal Credit Union website:
The Burbank Community Federal Credit Union website is owned and operated by Burbank Community Federal Credit Union. No materials found on the site or any other site owned, operated, or licensed by Burbank Community Federal Credit Union may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may access material on the site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of the site for public or commercial purposes, including the text, images, audio, or video without Burbank Community Federal Credit Union's prior written permission. Burbank Community Federal Credit Union neither warrants nor represents that your use of materials displayed on the site will not infringe rights of third parties not owned by or affiliated with Burbank Community Federal Credit Union.
Jurisdictional Issues:

Your use of this site, and its Terms of Use and the Privacy Policy shall be construed and controlled by the laws of the State of California. Further, any dispute arising from your use of this site, or its Terms of Use or Privacy Policy, or a breach thereof, shall be governed by the laws of the State of California. By accessing this site, you agree to personal jurisdiction by the state and federal courts sitting in the State of California, County of Los Angeles.

Trademarks, Service Marks and Copyrights.
Unless otherwise specifically noted, images, trademarks, service marks, logos and icons displayed on the site are the property of Burbank Community Federal Credit Union and may not be used without Burbank Community Federal Credit Union's prior written consent. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes.

Calculator Data
Neither the online calculators nor their use are intended to supply advice of any type, including, without limitation, investment or tax advice. Although the services may contain information, e.g., data regarding retirement investing, such information is intended to be educational in nature, and does not constitute an endorsement or recommendation of any security or investment program, service or the suitability thereof for you. The information provided in the online calculators is not intended to supply professional tax, accounting, financial, or legal advice, for which you should seek a personal consultation with a professional provider of such services. Burbank Community Federal Credit Union does not offer legal or tax advice.

Use of the Burbank Community Federal Credit Union website by minors:
Burbank Community Federal Credit Union encourages all minors to seek permission from their parent or guardian before providing information about themselves or their family over the Internet. In the event that information is sent to us by a minor, the same privacy policies will apply to that information.

What you can do to help protect your privacy:

Burbank Community Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card, which can provide free access to your accounts if your card is lost or stolen.

Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the Credit Union and asks for your account number, you should beware. Official Credit Union staff will have access to your information and will not need to ask for it.

Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.