Privacy and Disclosures

 

Please carefully read the following. These terms of use for the Granite Credit Union (GCU) website and social media pages (together herein called "GCU Digital Pages") of Granite Federal Credit Union, a Utah-based financial institution (herein sometimes called "GCU"), and a primary source of information about GCU, its operations, programs, financial products and services, and opportunities.

 

Overview 

Please read the following. By these digital pages, you agree to these terms. If you are unwilling to comply with these terms of use, do not use these digital pages. The terms of use grant you a license to use the GCU Digital Pages, but do not transfer to you any title. Your violation of these terms may terminate your license to use the GCU Digital Pages by Granite Federal Credit Union at any time. Promptly upon termination of the license to use the GCU Digital Pages you are required to destroy any downloaded materials you have in whatever form they may be in. You may not make copies of, or make commercial use of, transfer, "mirror." or publicly display the materials you obtain from the GCU Digital Pages. Your use of the GCU Digital Pages is also subject to the terms of use of the host social network, if applicable, such as Facebook, X, LinkedIn, and Instagram. GCU's website provides information to the public to conduct commercial and personal financial business and promote GCU's purposes as set by the GCU board and leadership. The GCU's Digital Pages are intended to make useful information available to members, and other visitors to the sites. GCU's website is not intended to serve as a forum for discussion. There are, however, interfaces on GCU's Facebook, X, LinkedIn, Instagram, and other social media pages where the public may post comments and other information consistent with these Terms of Use and the rules and agreement of the social network which owns the social website. 

By using GCU's website and GCU's pages on social networks, such as but not limited to Facebook, X, LinkedIn, and Instagram, you agree to follow all federal, Utah State, and local laws applicable to your use of the GCU Digital Pages. You may not place information on GCU Digital Pages or change information on it without prior written approval from GCU's authorized representatives. You agree that any claims or lawsuits arising from the use of the GCU Digital Pages shall be governed by Utah law, and any lawsuit arising in connection with this the GCU Digital Pages shall be brought only in the federal or Utah State courts located in Salt Lake County, Utah, without respect to its conflicts of law provisions. 

 

Americans With Disabilities 

Granite Federal Credit Union strives to comply with the Americans with Disabilities Act (ADA). Reasonable accommodation, including equal access to communications, will be provided upon request. Requests for reasonable accommodation in respect to equal access to communications should be directed to GCU at 801-288-3000. 

 

Website Security 

GCU monitors network traffic to identify unauthorized attempts to upload or change information or to otherwise cause damage to this site. Users of GCU website consent to such monitoring.  We take security measures to protect unauthorized access, alteration or destruction of data contained on the website. 

 

Cookies 

GCU website uses "cookies," which is a computer term for a packet of data that a computer or similar device receives and then sends back without changing or altering it, the purpose of which is to help the website keep track of your visits and activity. You may block the receipt of cookies in your internet browser.  

General Disclaimer 

Granite Federal Credit Union has made substantial efforts to provide accurate and up-to-date information on its the GCU Digital Pages, however, GCU does not guarantee the accuracy of the information provided therein, including that which originates from third parties, and you agree to hold Granite Federal Credit Union, its officers, employees, contractors and agents harmless from any claims, damages, loss and lawsuits for reliance on or use of this information. Inaccurate information may be due to unauthorized modification of the data, transmission errors, HTML browser incompatibilities, human error, changes made since the last update to the website, or malware, hacking by an outside person, or other risks of electronic communication, many of which are beyond GCU's reasonable control. Although we guard against such things, GCU makes no warranty that the GCU Digital Pages are free of viruses of other malware. 

Information presented on the GCU Digital Pages is collected, maintained, and provided for the convenience of GCU's members, businesses, and other readers. GCU Communications Department tries to respond to inquiries on GCU Digital Pages with relevant and accurate information, the responses given may be revised by a credit union department or official with more accurate information. You acknowledge the risk of receiving inaccurate information, particularly from an initial request through the GCU Digital Pages. You may get more accurate information about credit union functions, practices and activities by directly contacting GCU department responsible for the matter of concern. 

 You agree by your use of the GCU Digital Pages that under no circumstances shall GCU be liable for any claims, losses, actions or omissions you or others make in reliance on any information contained herein (or which may be missing from this website), from whatever source, nor shall GCU be liable for any other consequences from any such reliance. 

Your Information & Privacy 

We do not collect personal information about you when you visit our website unless you choose to provide that information to us in ways which are clearly understandable, such as by using online banking, web forms, or digital applications. 

We collect limited non-personally identifying information your browser makes available automatically whenever you visit a website. This information includes the following information: 

  • The visitor's IP (Internet Protocol) address 

  • Domain name if applicable 

  • Date and time of access 

  • The Internet browser used (such as Firefox, Google Chrome, Apple's Safari, Internet Explorer) 

  • Computer/device type 

  • Referring web page (the last webpage you visited before clicking on a link to our site) 

  • And which of our web pages and our website content the visitor interacts with 

  • The website does not attempt to gain personally identifiable information on individual users and associate them with IP addresses. 

We may also collect personally identifiable information on web pages where members and other visitors seek information or specialized credit union services. GCU takes reasonable steps to prevent hackers and others from accessing or obtaining this data, and to allow opportunity to individuals to correct information about themselves, but we can't guarantee that the information will not be disclosed or released in some manner.  

Some of our online services require you to register for an account. We ask you for personal information to create an account (typically your name, email address and password), and we use that information to provide service. For certain services, such as our online banking system, we may request payment information which may be stored temporarily in encrypted form on secure servers.  

We do not sell or share individually identifiable member information to external entities for external marketing or promotion except as required by law or court order, unless otherwise stated in appropriate parts of our website. However, such data and contact information may be shared interdepartmentally within Granite Federal Credit Union and with third-party agents with which GCU has contracted to perform credit union services for it, in which cases we take reasonable efforts to protect the data from use contrary to this privacy statement. 

By providing your contact information to us through this website or otherwise, be aware that GCU uses emails, and may use other contact information to communicate with members, businesses, and others in our database of contacts during emergencies, as explained below. Some of the emails you receive from us may not be applicable to your circumstances, as we may send an email about a service not relevant to you. 

To reach any credit union department or credit union personnel, visit the Granite Federal Credit Union website, our official website, or call 801-288-3000. 

Policy Changes 

GCU may revise the terms of use and other policies on the GCU Digital Pages, including those on privacy. We expect most such changes to be minor, but we will post those changes as they occur. 

Emergency Communications 

In an emergency, all contact information of Granite Federal Credit Union businesses, its members, and others who have shared their contact information with us available in Granite Federal Credit Union databases, including contact information gathered from the GCU Digital Pages, may be utilized by Granite Federal Credit Union Communications and emergency services for crisis communication, alerts, emergency announcements and updates. As used here, the term "emergency" means an event which poses a significant risk to human or other valued life, health, safety, or property which is unexpected and for which adequate provision has not been made that requires immediate credit union action and public notification. In such events we may prioritize public health, safety, and welfare over the risk of offense, interruption, or disturbance, and may incidentally communicate with those who live outside the area affected. In lieu of sending non-essential complaints or other communications to Granite Federal Credit Union during an emergency, we recommend using the various methods available to mute, designate as spam, delete, or otherwise ignore emergency communications which are not relevant to you. 

Posting to GCU Social and Web Channels 

GCU has no obligation to monitor, review or remove comments or other posts to the GCU Digital Pages by you or others. Any information posted to GCU social media pages or on pages of GCU's website, where comments are allowed by the public, may be viewed by others, and is not private. GCU has the right to remove comments or other posts on the GCU Digital Pages without notice for violations of this policy or the policies of the company which owns the social media pages, such as but not limited to Facebook, X, LinkedIn, and Instagram. Under Utah law, postings to the Granite Federal Credit Union social media sites may be public records and may be subject to disclosure to third parties upon request. 

Granite Federal Credit Union does not necessarily endorse, support, sanction, encourage, verify or agree with the comments, opinions, or statements posted on the GCU Digital Pages by others than credit union officials and employees authorized to create content for the GCU Digital Pages. Any such information or material placed online, including advice and opinions, are the views and responsibility of those making the comments, and do not necessarily represent the views of Granite Federal Credit Union or its third-party service providers. By submitting a comment for posting, you agree that Granite Federal Credit Union and its third-party service providers are not responsible and shall have no liability to you with respect to any information or materials posted by others, including defamatory, offensive, or illicit material, even material that violates this Agreement. Granite Federal Credit Union reserves the right, but undertakes no duty, to review, edit, move or delete any material submitted by third persons for display or placed on the GCU Digital Pages in its sole discretion, without notice. 

Please do not post any of the following items on any of Granite Federal Credit Union's websites or social media platforms: 

  • Messages or statements on issues that are time-sensitive or requests for emergency or other credit union services; 

  • Comments or testimonies intended to be considered for public purposes such as for a project or program normally considered in a public hearing process. These comments should be directed to the appropriate agency or credit union department; 

  • Comments that are extremely uncivil, retaliatory, swear words, abusive, or which contain personal attacks; 

  • Any forms of communication which are scatological, which contain sexually explicit material, nudity, or which violate the privacy or legal rights of individuals, or which violate the law; 

  • Pseudonyms, avatar names, pictures or comments that misrepresent or assume false identity, character or background, including content that promotes, fosters or perpetuates hatred of, encourages illegal acts against, or discrimination on the basis of race, creed, color, age, religion, marital status, status in regard to public assistance, national origin, physical or mental disability, gender identity or sexual orientation; 

  • Comments which contain sexually explicit or suggestive terms in violation of community standards and applicable law; 

  • Comments that include personally identifiable information other than the user's or another individual's name, such as home address, phone number, social security number or other private, protected, or sensitive information; 

  • Comments that are not related to the specific topic of the social media page; 

  • Comments that illegally encourage the violation of federal, Utah State law, or Granite Federal Credit Union policies or ordinances; 

  • Comments which are libelous, defame, harass, or threaten individuals contrary to law; 

  • Advertisements or comments that sell or solicit the exchange goods or services other than those of GCU, unless expressly allowed by GCU; or 

  • Copyrighted material owned by a third party. 

Comments which violate the foregoing terms may be removed or modified without notice. Users who violate these terms may be blocked and/or reported to the social media website operator. Also, the use of any Granite Federal Credit Union-hosted forum is at your own risk. While championing proper use of such forums, Granite Federal Credit Union cannot guarantee conformity with the above rules, or that other harm will not occur to the user. 

Links to External Sites 

The GCU Digital Pages contain links to other websites that are outside the control of GCU. GCU is not responsible for the content, accuracy of the information, or privacy practices of these external sites. Our practice is to warn users when they are leaving our website and going to another site. If you feel that a website, we are linking to is inappropriate, please let us know by contacting GCU at 801-288-3000. 

Copyright 

All editorial and creative assets on this website are protected by United States and international copyright laws. Granite Federal Credit Union reserves all rights to the content of this website. If you wish to use content from here, please contact the webmaster and obtain written permission before doing so; such permission may be denied for any reason. Some of the computer code used to create GCU website was created by a private company but the Code and the content of those pages, along with GCU-created content of GCU's social media pages is owned or licensed to GCU, none of which may be used without prior written permission from an authorized representative of GCU.