1. Cape Regional Credit Union Internet Security Practices Statement

This statement is on behalf of Cape Regional Credit Union (We/CRCU) and other companies affiliated with CRCU. These companies include, but are not limited to, those, which offer banking services, investments, insurance, mortgage services, warranties, and other financial services and products to our members: Auto Service Companies, Inc., Cape Regional Credit Union, CUNA Mutual Insurance and Companies, eZCardInfo.com, Harland-Clarke (Check Co) Inc., and Liberty Mutual Insurance.

Please read this statement carefully, as any use of caperegionalcu.com constitutes your agreement to all of Cape Regional Credit Union’s online terms and conditions, including but not limited to, this statement. This Internet Security Practices Statement is part of, and incorporated into the Cape Regional Credit Union Membership and Account Agreement and Electronic Funds Transfer Agreement and Disclosure and Cape Regional Credit Union’s online terms and conditions, as stated in the Internet Banking End User Agreement, Privacy, and Security Disclosures. You may access the internet banking disclosures after you log on the Online Banking.

2. Use of Cape Regional Credit Union’s Internet-Based Services

A member of Cape Regional Credit Union must be in good standing to qualify for, and use CRCU online banking services.

3. Caperegionalcu.com Content

We have made every attempt at Cape Regional Credit Union to ensure that all information, rate listing, or promotional offer, listed on caperegionalcu.com is current and accurate. However, this information is only a guideline for your use. Due to changes in policy, state, or federal regulations, or otherwise, CRCU reserves the right to make subsequent changes to the content of caperegionalcu.com at any time.

4. Use of Cookies & Data Collection

When you visit the caperegionalcu.com web servers, we store a cookie—a small piece of information—on your computers’ hard drive. This cookie file is a technical requirement that establishes and maintains a session so members can request information and conduct business transactions. The cookie contains no confidential or personal information and does not track member activity after leaving caperegionalcu.com. Cape Regional Credit Union identifies and tracks the single, previous Internet web site address visitors have come from when accessing caperegionalcu.com. This is a standard industry practice used to determine how people navigate to caperegionalcu.com. CRCU may use cookies to customize your web site experience.

As you visit caperegionalcu.com, our web server also recognizes what web browser and operating system you are using. Cape Regional Credit Union currently collects aggregate information about the use of caperegionalcu.com that does not personally identify you. You may submit information to us via email on our Contact Us link of caperegionalcu.com. CRCU collects the e-mail addresses of those members who send us e-mail and the information provided in the e-mail. We may also collect information volunteered by our members through surveys, contests, and electronic forms. Using this information allows Cape Regional Credit Union to improve the content of caperegionalcu.com, and enables you to have a voice in the future of the credit union and its services.

5. Security and Attribution

The information you send Cape Regional Credit Union is stored on web servers that reside behind a firewall to shield these servers and their information from unauthorized access. Independent experts regularly test Cape Regional Credit Union’s firewall, and state and federal agencies audit Cape Regional Credit Union’s firewall to ensure proper operation. You communicate with Cape Regional Credit Union’s web servers by using your computer’s web browser. Some secured areas of caperegionalcu.com use Secure Sockets Layer (SSL), an additional layer of security, in order to maintain the confidentiality of all information sent between caperegionalcu.com and your computer.

As you use online banking, or complete an application, we use some specifically requested member information, such as your Cape Regional Credit Union User Name, Social Security number, a Password, Passmark, and a Security Question & Answer (Q&A) to authenticate your identity. We use this requested information also to determine whether to provide access to your information in the secured section of caperegionalcu.com, and to enable you to conduct financial transactions. Cape Regional Credit Union only supports browsers that use Secure Sockets Layer (SSL) 3.0 or higher. You may need to update your browser occasionally to use caperegionalcu.com.

6. SSL is intended to help ensure that:

1. The information you send Cape Regional Credit Union will not be read by others, and
2. You are in fact dealing with Cape Regional Credit Union, instead of a web site
impersonating us. You can verify you are dealing with Cape Regional Credit Union by verifying the Site Certificate Properties. Your information reaches us through SSL to help protect the contents of the message from eavesdropping.

7. Web Access Users

For security purposes, a Cape Regional Credit Union User Name, Password, and a Passmark and Security Q&A’s, are required to access your account through our Internet Online Banking services. Your PSWD and Security Q&A should not be stored on your computer and should not be the same as any of your other PSWDS or Security Q&A passwords. To protect you and your account more securely, you should change your Password and Security Q&A frequently and not use the same Password or Security Q&A for any other Internet site. Do not disclose or otherwise make your Password or Security Q&A available to anyone. If you authorize anyone to use your Password or Security Q&A, that authority may be attributed to and obligate you. If you are ever uncomfortable communicating with Cape Regional Credit Union electronically or are having difficulty accessing our secure Web site, you may instead use traditional methods of communication to contact us such as using the telephone, U.S. mail, or visiting any of Cape Regional Credit Union’s physical locations.

8. E-mail Security

Regular Internet e-mail is not secure. Various sections of caperegionalcu.com allow you to submit information to Cape Regional Credit Union by e-mail. Use these sections to provide information that is non-sensitive and non-confidential. We strongly urge you not to provide personal or account information through e-mail or request information from us that is confidential or sensitive. As unsecured Internet e-mail is not secure, you accept the risks associated with sending insecure e-mail messages and/or any files you attach to these insecure e-mails. If you request sensitive or confidential information from Cape Regional Credit Union via unsecured e-mail, you accept these risks as well. To communicate sensitive or confidential information, we strongly urge you contact us by phone, mail or visiting us at any of our locations.

9. Children’s Online Privacy

The law requires parental consent to collect or use information from a child under 13. If you are a child under the age of 13, please show this to your parents and do not use the online services of this institution without verifiable parental consent pursuant to the Children’s Online Privacy Protection Act.

10. Links to Other Internet Web Sites

Caperegionalcu.com contains hyperlinks to other Internet web sites operated by third party companies or organizations. When you click on these links, you will leave caperegionalcu.com and go to the linked site. Cape Regional Credit Union is not responsible for the contents, use, or privacy and security practices of these third party companies, and their terms and conditions apply. Please review the privacy and security practices of each of the linked Internet web sites you visit before you provide any personally identifiable information. All links or other connections to other Internet web sites, or mention of other companies or organizations, is solely for informational purposes to you, CRCU members, therefore, no endorsement nor relationship should be construed other than what is stated where such a connection is made.

11. Changes

Cape Regional Credit Union reserves the right to change any part of its Internet Security Practices Statement at any time. You agree to check our Statement periodically to make sure you remain comfortable with its content. Nothing in this Statement affects our ability to collect, combine, use, verify, retain, and report, including to share with our regulators and law enforcement, information submitted in connection with the provision of Cape Regional Credit Union products and services. Cape Regional Credit Union also reserves the right to do the same with information obtained from public sources or third parties, and other information that does not personally identify you, without reference to this Internet Security Practices Statement.