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Cookie Policy

This Cookie Policy describes the cookies that Mass Bay Credit Union ("MBCU", "we", "us" or “our”) uses when you visit our website located at www.massbaycu.org, and each of our associated domains (together, the "Sites"), our mobile applications (the "Apps,"), and other services of ours that you use when you communicate with us (collectively, the "Services").

EFFECTIVE DATE

This Cookie Policy is effective as of March 15, 2021

WHAT IS A COOKIE?

“Cookie” is a text file that is placed on your hard disk by a web server.  Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the Cookie to you.  Cookies cannot be used to run programs or deliver viruses to your computer.

Cookies typically fall into the following categories:

  • First-Party Cookie refers to a Cookie created by the domain of the website the user is visiting.
  • Third-Party Cookie is a Cookie that is placed by a domain other than that of the website the user is visiting.
  • Session Cookie is temporary, linking the actions of a user during the any given browser session. When the browser is closed, the cookie is deleted.
  • Permanent Cookie, also known as a persistent Cookie, is stored for a specific period of time and activates each time the user visits the website that created the Cookie.

“Web Beacon” (also called a “pixel tag” or “clear GIF”) is a piece of computer code that enables us to monitor user activity and website traffic.

Types of Pixels tags commonly used are as follows:

  • Essential - used to help you move around the website and use basic functions. If these are disabled you may not be to use all functions of the website.
  • Advertising - Used to deliver advertisements (ads) more relevant to you. They will also limit the number of times you might see a specific ad as well as measure the effectiveness of the ad campaign. They remember your device's visit to the website and help us to understand what products and services interest you the most. This allows us to better tailor ads to your interests.
  •  Analytics - Used to measure website traffic, sessions, time on page and other metrics tied to actions taken across the website. This allows us to improve the overall user experience on our site.

HOW DO WE USE COOKIES AND OTHER DATA COLLECTION TECHNOLOGY?

MBCU and authorized third-party service providers use Cookies, Web Beacons and other similar technology (collectively, “data collection technology”) on the Sites and Apps to help us improve your online experience.  MBCU uses data gathered about website activity (e.g., demographic data, browser type, IP address, pages visited, the day and time of visit) to recognize past users, to enable you to move around or use basic functions on the Sites or the Apps, to better understand the interests of users and website visitors, to improve the website to enhance the visitor experience, and to provide more relevant advertisements both on and off our domains. We also use data collection technology to target users for certain types of content and provide a better user experience.

The Cookies and Web Beacons we use may include, but are not limited to, the following:  

Cookie

Domain

Type 

Description

test_cookie

.doubleclick.net

Advertisement

This cookie is set by doubleclick.net. The purpose of the cookie is to determine if the user's browser supports cookies.

_fbp

.massbaycu.org

Advertisement

This cookie is set by Facebook to deliver advertisement when they are on Facebook or a digital platform powered by Facebook advertising after visiting this website.

fr

.facebook.com

Advertisement

The cookie is set by Facebook to show relevant advertisements to the users and measure and improve the advertisements. The cookie also tracks the behavior of the user across the web on sites that have Facebook pixel or Facebook social plugin.

exp_last_visit

www.massbaycu.org

Analytics

This cookie is used by the website Content Management System. This cookie is used to store the last visit date of the registered users.

exp_last_activity

www.massbaycu.org

Analytics

This cookie is used by the website Content Management System. This cookie is used to record the time of last page load.

exp_tracker

www.massbaycu.org

Analytics

This cookie is used by the website Content Management System. This is a temporary cookie which expires when the visitor closes the browser window. This cookie stores the last five pages viewed by the visitor for form or error message returns.

_gcl_au

.massbaycu.org

Analytics

This cookie is used by Google Analytics to understand user interaction with the website.

exp_csrf_token

www.massbaycu.org

Essential

This cookie is used for the purpose of website security that is Cross-Site-Request forgery prevention. It is used to identify the trusted web traffic.

__utma

.massbaycu.org

Analytics

This cookie is set by Google Analytics and is used to distinguish users and sessions. The cookie is created when the JavaScript library executes and there are no existing __utma cookies. The cookie is updated every time data is sent to Google Analytics.

__utmc

.massbaycu.org

Analytics

The cookie is set by Google Analytics and is deleted when the user closes the browser. The cookie is not used by ga.js. The cookie is used to enable interoperability with urchin.js which is an older version of Google analytics and used in conjunction with the __utmb cookie to determine new sessions/visits.

__utmz

.massbaycu.org

Analytics

This cookie is set by Google analytics and is used to store the traffic source or campaign through which the visitor reached your site.

__utmt

.massbaycu.org

Analytics

The cookie is set by Google Analytics and is used to throttle request rate.

__utmb

.massbaycu.org

Analytics

The cookie is set by Google Analytics. The cookie is used to determine new sessions/visits. The cookie is created when the JavaScript library executes and there are no existing __utma cookies. The cookie is updated every time data is sent to Google Analytics.

Please note that the Pixels and Cookies we use may change from time to time. Additionally, note that if you disable certain cookies, you may not be able to use all of the functions within the Services. 

MBCU will treat any Personal Information collected through our use of data collection technology in accordance with our privacy policies which are available on our website at https://www.massbaycu.org

MANAGING COOKIES  

Cookies can be managed through browser settings.  Please note that if you choose to decline or block cookies by adjusting your browser settings, some or all of the Sites may not be functional or accessible to you. To learn more about Cookies, web beacons, and other data collection technology, visit here

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