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Privacy policy

Privacy Policy 

This Privacy Policy explains how Picatinny Federal Credit Union (“PFCU,” “we,” “our,” or “us”) collects, uses, shares, and protects information obtained through our website at 

www.picacreditunion.com (the “Site”). This policy applies solely to information collected by this Site. 

We disclose the following: 

1. What personally identifiable and non-personally identifiable information we collect through the Site, how it is used, and with whom it may be shared.
2. What choices you have regarding the use of your information.
3. The security procedures in place to protect your information.
4. How you can request corrections or changes to your information.

Information Collection, Use, and Sharing

PFCU is the sole owner of the information collected through this Site. We collect information that you voluntarily provide (such as through forms, applications, or direct communication), as well as information automatically collected through technologies described below.
We do not sell or rent your personal information. We use your information to respond to your requests, provide member services, improve our digital experience, and enhance our marketing and analytics capabilities. We only share information with third parties when necessary to operate our services or comply with legal obligations.

Digital Tracking, Analytics & Advertising Technologies We Use

To provide a secure, user-friendly, and relevant online experience, PFCU uses digital analytics and advertising tools, including Google Analytics 4 (GA4) and Google Ads. These tools may use cookies, device identifiers, and similar technologies to collect and process data.

Google Analytics 4 (GA4)

We use GA4 to understand how visitors interact with our Site and to improve our online services. Our use includes:

Basic Features

  • Standard page-view and event tracking
  • Enhanced Measurement tracking (scroll behavior, outbound clicks, site search interactions)

Advanced Features

  • Google Signals (cross-device reporting & remarketing)
  • Advertising Reporting Features
  • Demographics & Interests Reports
  • Granular location & device data
  • Remarketing with Google Analytics

These features may collect information such as:

  • Device type, browser, operating system
  • General geographic location
  • Pages visited, time spent, navigation paths
  • Interests based on Google profile data (when available)

Google may associate the collected data with visitors’ Google accounts if they are logged in and have consented to such associations.
For more information, visit Google’s privacy policies at https://policies.google.com/privacy.

Google Ads

PFCU uses Google Ads for advertising effectiveness measurement and to deliver relevant marketing messages.

Basic Features

  • Google Ads Conversion Tracking
  • Google Ads Smart Bidding
  • Google Ads Optimized Targeting
  • Google Ads Enhanced Conversions
  • Google Ads Audience Expansion

Advanced Features

  • Google Ads Remarketing

These tools allow us to:

  • Measure how users interact with our ads
  • Improve our ad delivery
  • Reach users who previously visited our Site with relevant, non-intrusive ads
  • Better understand the effectiveness of our marketing campaigns

Google Ads may use cookies or mobile ad identifiers to provide these services. Users may opt out at https://www.google.com/settings/ads or via browser settings.

Your Access to and Control Over Information

You may opt out of future communications from us at any time. You can contact us to:

  • See what data we have about you 
  • Correct or update your information
  • Request deletion of your information (where applicable)
  • Express concerns regarding our use of your data
  • Opt out of analytics and/or targeted advertising activities

For Google opt-out tools, visit:
https://tools.google.com/dlpage/gaoptout/

Security

We take the security of your information seriously. Information transmitted to us is protected by administrative, technical, and physical safeguards. You can verify secure transmission by looking for “https” in your browser’s address bar.

Updates to This Policy

Our Privacy Policy may be updated periodically. All changes will be posted on this page.
If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 973-361-5225.