Privacy Statement & Disclaimer

Privacy Statement & Disclaimer

Privacy Statement

This statement relates to our privacy practices in connection with www.galwaycreditunion.ie and www.credituniongalway.ie. We are not responsible for the content or privacy practices of other websites. Any external links to other websites are clearly identified as such. Any exchange of information with third party websites is not covered by this Privacy Statement and users are encouraged to review the privacy statement of any third party before submitting personal information.

St. Columba’s Credit Union fully respects your privacy and will not collect any personal information about you without your consent. Any information you volunteer, for example by email or through online feedback forms, will not be made available to third parties, and is used by St. Columba’s Credit Union only in line with the purpose for which you provided it. Personal data may be anonymised and used for statistical purposes. In certain circumstances we may be obliged to disclose personal information relating to you to third parties in order to comply with requirements of law.

If at any time you decide that you no longer wish us to hold the personal information provided, or in the case that the information changes or becomes inaccurate, you should notify us by phone, email or post using the contact details below and we will remove or rectify the information as soon as practicable and in any event within 40 days of a written request being received.

Use of Technical Information and Cookies

What are cookies?

Cookies are small text files that are sent to and stored on your computer, smartphone, tablet or other device for accessing the Internet, whenever you visit a website or use on-line apps. This website uses cookies to collect information. By using our websites (through any device) you agree to the use of cookies and in addition to any other terms and conditions which may apply.

Our use of cookies may be subject to change from time to time.  Any such changes will appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to any such changes.

Cookies do not in any way compromise the security of your computer. You can continue to use this website with no loss of functionality if you choose to disable cookies on your computer.

 

To ensure your cookie settings are to your preference you should modify your personal browser preferences. More general information on cookies can be found on aboutcookies.org. This includes information on how to disable cookies.

Technical details relating to visits to this website are logged by our internet service provider for our statistical purposes.

 

How we use Cookies

galwaycreditunion.ie and credituniongalway.ie uses cookies to collect information about visitors’ use of the website, including things like connection speed, operating system details, the time and duration visits and IP addresses. The information collected by cookies enables us to understand the use of this site, including the number of visitors it has, the pages viewed per session, time exposed to particular pages etc. This in turn helps to provide visitors with a better experience. galwaycreditunion.ie and credituniongalway.ie will not attempt to personally identify visitors from their IP addresses.

 

The main purposes for which the cookies are used are:-
1. Necessary Cookies: For purposes essential to effective operation of our websites.
2. Performance Cookies: To enable us to collect information about the browsing habits and activities of website visitors, including to monitor the success of campaigns, etc
3. Targeting cookies: These remember individual websites you have visited and help us to present relevant and targeted online advertising to you.   When targeting cookies have been placed on your device, they can be recognised by subsequent websites you visit, and this allows those sites to present targeted credit union advertising to you.  While targeting cookies can track your visits around different websites, the information collected is anonymous.Life cycle 30 days.
 

Cookies on the galwaycreditunion.ie website
ST. COLUMBA’S CREDIT UNION sets the following types of cookies on your device when you visit our websites:

  • Strictly necessary cookies
  • Performance and analytics cookie

These cookies are a mixture of first party cookies, which we set ourselves, and third party cookies that are set by third party service providers.
 

Strictly necessary cookies
We use the following cookies which are strictly necessary to allow you to access our websites, to move between pages and to receive services which you have requested:

Cookie Name

Function

Cookie Type

PHPSESSID Native to PHP and enables websites to store serialised state data. On the Action website it is used to establish a user session and to pass state data via a temporary cookie, which is commonly referred to as a session cookie. 1st Party
__cfduid The __cfduid cookie is used to identify individual clients behind a shared IP address and apply security settings on a per-client basis. 1st Party
__hstc The main cookie for tracking visitors. It contains the domain, utk (see below), initial timestamp (first visit), last timestamp (last visit), current timestamp (this visit), and session number (increments for each subsequent session). 1st Party
Language Saves the users preferred language on the website 1st Party
Cookie_to Saves the users preferred to location 1st Party
Cookie_from Saves the users preferred from location 1st Party

 

These cookies include session cookies that allow users to stay logged in while navigating through our websites and to carry out essential tasks such as adding items to a shopping basket when purchasing tickets on our websites.

These cookies don’t contain any personal data.
 


Performance and analytics cookies

Cookies are also used to collect statistical information about visitors of our websites and the pages they view. These cookies allow visitors to receive a high quality experience through customised offerings and facilitate timely identification and resolution of any issues that arise.  The following performance cookies are used on our websites:
 

Cookie Name

Function

Cookie Type

_ga Registers a unique ID that is used to generate statistical data on how the visitor uses the website 1st Party
_gat_UA These cookies allow us to count user visits and traffic sources so that we can measure and improve the site performance using Google Analytic services. 1st Party
_gid Registers a unique ID that is used to generate statistical data on how the visitor uses the website 1st Party
_gat Registers a unique ID that is used to generate statistical data on how the visitor uses the website 1st Party
_utma This cookie keeps track of the number of times a visitor has been to the site pertaining to the cookie, when their first visit was, and when their last visit occurred. Google Analytics uses the information from this cookie to calculate things like Days and Visits to purchase. This cookie is what’s called a ‘persistent’ cookie, as in, it is not set to automatically expire unless removed by the user. 1st Party
utmb The B and C cookies are brothers, working together to calculate how long a visit takes. __utmb takes a timestamp of the exact moment in time when a visitor enters a site, while __utmc takes a timestamp of the exact moment in time when a visitor leaves a site. __utmb expires at the end of the session. __utmc waits 30 minutes, and then it expires. You see, __utmc has no way of knowing when a user closes their browser or leaves a website, so it waits 30 minutes for another pageview to happen, and if it doesn’t, it expires. 1st Party1stParty
_utmc The B and C cookies are brothers, working together to calculate how long a visit takes. __utmb takes a timestamp of the exact moment in time when a visitor enters a site, while __utmc takes a timestamp of the exact moment in time when a visitor leaves a site. __utmb expires at the end of the session. __utmc waits 30 minutes, and then it expires. You see, __utmc has no way of knowing when a user closes their browser or leaves a website, so it waits 30 minutes for another pageview to happen, and if it doesn’t, it expires. 1st Party
_utmz __utmz keeps track of where the visitor came from, what search engine you used, what link you clicked on, what keyword you used, and where they were in the world when you accessed a website. It expires in 15,768,000 seconds – or, in 6 months. This cookie is how Google Analytics knows to whom and to what source / medium / keyword to assign the credit for a Goal Conversion 1st Party
OTZ Google analytics cookie used for website traffic info 3rd Party

 
These cookies don’t collect information that identifies a visitor. Information collected by these cookies is aggregated and used anonymously. ST. COLUMBA’S CREDIT UNION sets Google Analytics cookies to gather this statistical information.

How to manage and disable cookies?

For more information about how to manage cookies, including opting-out of different types of  cookies please visit: http://www.aboutcookies.org

You can also find more information about how to opt-out of targeting cookies by visiting: http://www.youronlinechoices.com

 

Disclaimer

While every care has been taken in compiling the information contained on this website, we do not make any representations as to the completeness, accuracy or up-to-date nature of such information. We do not accept any liability for any loss or damage arising directly or indirectly from reliance on any of the contents on this website.

We do not guarantee or warrant that the use of this website, or any material downloaded from it or any website linked to will not cause damage to property including but not limited to loss of data or computer virus infection. In no event will we be liable for any direct, indirect or consequential loss arising from the access, use or performance of this website or any of its contents.

No document on this website is a legal interpretation and should not be seen as such. The information contained on this website is of a general nature and appropriate professional advice should be sought before acting or refraining to act in relation to a specific issue.

Viewing any of the pages on this website automatically binds you to these legal conditions.

ST. COLUMBA’S CREDIT UNION does not endorse the usage of any of the social networking websites mentioned on this website nor does it take any responsibility for the content contained on them.

St. Columba's Credit Union
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