Manchester Co-operative Credit Union (1977) Limited is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Manchester Co-operative Credit Union (1977) Limited Web site and governs data collection and usage. By using the Manchester Co-operative Credit Union (1977) Limited website, you consent to the data practices described in this statement.

Collection of your Personal Information

Manchester Co-operative Credit Union (1977) Limited collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Manchester Co-operative Credit Union (1977) Limited also collects anonymous demographic information, which is not unique to you, such as, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Manchester Co-operative Credit Union (1977) Limited. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Manchester Co-operative Credit Union (1977) Limited for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Manchester Co-operative Credit Union (1977) Limited Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Manchester Co-operative Credit Union (1977) Limited public message boards, this information may be collected and used by others. Note: Manchester Co-operative Credit Union (1977) Limited does not read any of your private online communications.

Manchester Co-operative Credit Union (1977) Limited encourages you to review the privacy statements of Web sites you choose to link to from Manchester Co-operative Credit Union (1977) Limited so that you can understand how those Web sites collect, use and share your information. Manchester Co-operative Credit Union (1977) Limited is not responsible for the privacy statements or other content on Web sites outside of the Manchester Co-operative Credit Union (1977) Limited and Manchester Co-operative Credit Union (1977) Limited family of Web sites.

Use of your Personal Information

Manchester Co-operative Credit Union (1977) Limited collects and uses your personal information to operate the Manchester Co-operative Credit Union (1977) Limited Web site and deliver the services you have requested. Manchester Co-operative Credit Union (1977) Limited also uses your personally identifiable information to inform you of other products or services available from Manchester Co-operative Credit Union (1977) Limited and its affiliates. Manchester Co-operative Credit Union (1977) Limited may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Manchester Co-operative Credit Union (1977) Limited does not sell, rent or lease its customer lists to third parties. Manchester Co-operative Credit Union (1977) Limited may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Manchester Co-operative Credit Union (1977) Limited may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Manchester Co-operative Credit Union (1977) Limited, and they are required to maintain the confidentiality of your information.

Manchester Co-operative Credit Union (1977) Limited does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Manchester Co-operative Credit Union (1977) Limited keeps track of the Web sites and pages our customers visit within Manchester Co-operative Credit Union (1977) Limited, in order to determine what Manchester Co-operative Credit Union (1977) Limited services are the most popular. This data is used to deliver customized content and advertising within Manchester Co-operative Credit Union (1977) Limited to customers whose behavior indicates that they are interested in a particular subject area.

Manchester Co-operative Credit Union (1977) Limited Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Manchester Co-operative Credit Union (1977) Limited or the site; (b) protect and defend the rights or property of Manchester Co-operative Credit Union (1977) Limited ; and, (c) act under exigent circumstances to protect the personal safety of users of Manchester Co-operative Credit Union (1977) Limited , or the public.

Use of Cookies

The Manchester Co-operative Credit Union (1977) Limited Web site uses "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Manchester Co-operative Credit Union (1977) Limited pages, or register with Manchester Co-operative Credit Union (1977) Limited site or services, a cookie helps Manchester Co-operative Credit Union (1977) Limited to recall your specific information on subsequent visits. When you return to the same Manchester Co-operative Credit Union (1977) Limited Web site, the information you previously provided can be retrieved, so you can easily use the Manchester Co-operative Credit Union (1977) Limited features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Manchester Co-operative Credit Union (1977) Limited services or Web sites you visit.

Security of your Personal Information

Manchester Co-operative Credit Union (1977) Limited secures your personal information from unauthorized access, use or disclosure. Manchester Co-operative Credit Union (1977) Limited secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Manchester Co-operative Credit Union (1977) Limited will occasionally update this Statement of Privacy to reflect company and customer feedback. Manchester Co-operative Credit Union (1977) Limited encourages you to periodically review this Statement to be informed of how Manchester Co-operative Credit Union (1977) Limited is protecting your information.

Contact Information

Manchester Co-operative Credit Union (1977) Limited welcomes your comments regarding this Statement of Privacy. If you believe that Manchester Co-operative Credit Union (1977) Limited has not adhered to this Statement, please contact Manchester Co-operative Credit Union (1977) Limited at admin@manchestercreditunion.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.