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ONLINE BANKING

Last Updated: 23th August 2022

We are Life Credit Union.

Please contact us if you have any questions about this Cookie Notice:

This Cookie Notice explains how we use Cookies on our website. It is a declaration of the cookies that are active on our website, the purpose of the cookies and what they track. This Cookie Notice also provides you with information on how to opt out of the cookies being used.

Further information about our use of cookies can be found in our Data Protection Statement.

What are cookies?

Cookies are text files that are placed on your computer by websites that you visit which are then used to record information about your visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the website and to third parties. Cookies help us to remember things about your visit to our website, such as your preferred language and other choices/settings and to generally make the site easier for you to use. They may also be used to collect information about you in order to deliver advertisements.

What types of cookies do we use and why?

We use the following types of cookies on this website:
Cookie Purpose
Necessary Cookies Necessary cookies help make a website usable by enabling basic functions like page navigation. We also set a cookie to remember your cookie preferences between visits which we also categorise as a necessary cookie. The website cannot function properly without these cookies.
“CookieControl” Cookie Stores the user’s cookie consent state for the current domain
Web Statistics Cookies These cookies gather analytics on the usage of our website including distinguishing unique users, remembering the number and time of previous visits, traffic source information and determining the start and end of a session. These cookies are associated with sites using Google Analytics to measure traffic.
Third-Party Cookies These cookies are set by a website other than the website you are visiting, usually as a result of some embedded content such as a video, a social media share or a like button. Please note that while Life Credit Union uses the NoCookie setting when embedding YouTube videos, YouTube Cookies are still placed on your device if you play a video. It is not possible to ensure that YouTube Cookies are always rejected when you reject all cookies using our Cookie Management Tool; please control these cookies from your browser settings.
Third-Party Advertising Cookies & Web Beacons These cookies enable third-party advertisers to track your online activity to deliver targeted online advertising content. A web beacon, sometimes called a pixel, is a technique used on web pages to unobtrusively (usually invisibly) allow tracking of web page visitors. A web beacon can be implemented for instance as a 1×1 pixel image, a transparent image, or an empty file that is requested together with other resources when a web page is loaded. Pixels contain a tag that tracks information about each visitor, such as pages they view, actions they took on the page, and any purchases made. To keep track of all these actions, the tracking pixel ties them to the unique IP address of the visitor. The web beacons used on this website are associated with the Facebook Pixel which tracks conversions or events from Facebook ads. When visitors click on a Facebook ad and are directed to this website, this enables the website to see how they interact with any pages containing the pixel or beacon.
You can adjust your browser settings to decline cookies or alert you when a website is attempting to place a cookie on your computer.

Cookie Details

Further information on the cookies we use and how to manage them is set out below. Cookies can also be managed using our Cookie Management Tool which displays as an icon in the bottom left corner of your screen when you are on our website.

Google Fonts

Marketing/Tracking

Usage

We use Google Fonts for display of webfonts. Read more

Sharing data

For more information, please read the Google Fonts Privacy Statement.

Marketing/Tracking

Name
Google Fonts API
Expiration
expires immediately
Function
The Google Fonts API is designed to limit the collection, storage, and use of end-user data to what is needed to serve fonts efficiently. IP Address is read.

Google reCAPTCHA

Marketing/Tracking, Functional

Usage

We use Google reCAPTCHA for spam prevention. Read more

Sharing data

For more information, please read the Google reCAPTCHA Privacy Statement.

Marketing/Tracking

Name
rc::c
Expiration
session
Function
Read and filter requests from bots
Name
rc::b
Expiration
session
Function
Google uses this cookie to read and filter requests from bots
Name
rc::a
Expiration
persistent
Function
Google uses this cookie to read and filter requests from bots.

Functional

Name
_grecaptcha
Expiration
session
Function
Google ReCapthca uses this cookie to read and filter requests from bots and provides spam protection

Vimeo

Statistics

Usage

We use Vimeo for video display. Read more

Sharing data

For more information, please read the Vimeo Privacy Statement.

Statistics

Name
__utmt_player
Expiration
10 minutes
Function
Vimeo uses this cookie to store and track audience reach.
Name
vuid
Expiration
2 years
Function
Vimeo uses this cookie to store the user’s usage history.

YouTube

Marketing/Tracking, Functional

Usage

We use YouTube for video display. Read more

Sharing data

For more information, please read the YouTube Privacy Statement.

Marketing/Tracking

Name
GPS
Expiration
session
Function
Store location data
Name
YSC
Expiration
session
Function
YouTube uses this cookie to store and track user interaction.
Name
PREF
Expiration
8 months
Function
YouTube uses this cookie to store user preferences.

Functional

Name
VISITOR_INFO1_LIVE
Expiration
6 months
Function
Provide bandwidth estimations

Facebook

Marketing/Tracking, Functional

Usage

We use Facebook for display of recent social posts and/or social share buttons. Read more

Sharing data

For more information, please read the Facebook Privacy Statement.

Marketing/Tracking

Name
_fbc
Expiration
2 years
Function
When a user clicks on an ad on Facebook, the link sometimes includes a fbclid query parameter. When the user lands on our website, if our website has a Facebook pixel that uses first-party cookies, the pixel automatically saves the fbclid query parameter to an _fbc cookie for our website domain
Name
fbm*
Expiration
1 year
Function
Facebook/Meta uses this cookie to store user account details.
Name
xs
Expiration
3 months
Function
Facebook/Meta use this cookie store a unique session ID
Name
fr
Expiration
3 months
Function
Is used to deliver, measure and improve the relevancy of ads.
Name
act
Expiration
90 days
Function
Facebook/Meta uses this cookie to distinguish between two sessions for the same user, created at different times.
Name
_fbp
Expiration
3 months
Function
Identifies browsers for the purposes of providing advertising and site analytics services
Name
datr
Expiration
2 years
Function
Facebook/Meta uses this cookie when a web browser accesses facebook.com (except social plugin iframes), and the cookie helps identify suspicious login activity and keep users safe
Name
c_user
Expiration
30 days
Function
The c_user cookie contains the user ID of the currently logged in user.
Name
sb
Expiration
2 years
Function
Store browser details
Name
*_fbm_
Expiration
1 year
Function
Facebook/Meta uses this cookie to store account details

Functional

Name
wd
Expiration
1 week
Function
This cookie stores the browser window dimensions and is used by Facebook/Meta to optimise the rendering of the page.
Name
csm
Expiration
90 days
Function
Facebook/Meta uses this cookie to for fraud protection
Name
actppresence
Expiration
session
Function
This cookie is placed by Facebook, Instagram to manage ad display frequency.

Elementor

Statistics (anonymous), Functional

Usage

We use Elementor for content creation. Read more

Sharing data

This data is not shared with third parties.

Statistics (anonymous)

Name
elementor
Expiration
persistent
Function
Store performed actions on the website

Functional

Name
e_library
Expiration
365 days
Function
Elementor library

Pinterest

Marketing/Tracking

Usage

We use Pinterest for display of recent social posts and/or social share buttons. Read more

Sharing data

For more information, please read the Pinterest Privacy Statement.

Marketing/Tracking

Name
_pin_unauth
Expiration
1 day
Function
It is a first party cookie which groups actions for users who cannot be identified by Pinterest
Name
_derived_epik
Expiration
1 year
Function
Pinterest tag reports a match identified without using cookies, such as through enhanced match. The Pinterest tag caches information to make matching on future pages easier.

Google Adsense

Marketing/Tracking

Usage

We use Google Adsense for showing advertisements. Read more

Sharing data

For more information, please read the Google Adsense Privacy Statement.

Marketing/Tracking

Name
_gcl_au
Expiration
persistent
Function
Google uses this cookie to store and track conversions from users who have came to the site via advertisements.
Name
google_adsense_settings
Expiration
persistent
Function
Google uses this cookie to provide ad delivery or retargeting for its advertisers

Google Analytics

Statistics

Usage

We use Google Analytics for website statistics. Read more

Sharing data

For more information, please read the Google Analytics Privacy Statement.

Statistics

Name
_ga
Expiration
2 years
Function
Google uses this cookie to store and count pageviews by users
Name
_gid
Expiration
1 day
Function
Google uses this cookie to store and count pageviews by users
Name
_ga_*
Expiration
1 year
Function
Store and count pageviews

Google.com

Statistics (anonymous), Statistics, Marketing/Tracking

Usage

We use Google.com for visitor tracking.

Sharing data

For more information, please read the Google.com Privacy Statement.

Statistics (anonymous)

Name
_gat_UA-23958494-1
Expiration
1 minute
Function
This is a pattern type cookie set by Google Analytics, where the pattern element on the name contains the unique identity number of the account or website it relates to

Statistics

Name
OTZ
Expiration
Session to 2 years
Function
Is a cookie used by Google Analytics that provides an aggregate analysis of Website visitors.

Marketing/Tracking

Name
__Secure-ENID
Expiration
1 year
Function
To secure digitally signed and encrypted data from the unique Google ID and store the most recent login time that Google uses to identify visitors, prevent fraudulent use of login data and protect visitor data from unauthorized parties. This can also be used for targeting purposes to display relevant and personalized advertising content.
Name
SOCS
Expiration
13 months
Function
Store a user’s state regarding their cookies choices
Name
CONSENT
Expiration
2 years
Function
Store a user’s state regarding their cookies choices

Complianz

Functional

Usage

We use Complianz for cookie consent management. Read more

Sharing data

This data is not shared with third parties. For more information, please read the Complianz Privacy Statement.

Functional

Name
cmplz_consenttype
Expiration
365 days
Function
To read to determine which cookie banner to show.
Name
cmplz_user_data
Expiration
365 days
Function
To determine which cookie banner to show.
Name
cmplz_consented_services
Expiration
365 days
Function
To store cookie consent preferences
Name
cmplz_policy_id
Expiration
365 days
Function
To store accepted cookie policy ID.
Name
cmplz_preferences
Expiration
365 days
Function
To store cookie consent preferences
Name
cmplz_marketing
Expiration
365 days
Function
To store cookie consent preferences
Name
cmplz_statistics
Expiration
365 days
Function
To store cookie consent preferences
Name
cmplz_functional
Expiration
365 days
Function
To store cookie consent preferences
Name
cmplz_banner-status
Expiration
365 days
Function
To store cookie consent preferences

Lifecu.ie

Statistics (anonymous), Marketing/Tracking

Usage

We use Lifecu.ie for website admin functions.

Sharing data

Statistics (anonymous)

Name
localTimeZone
Expiration
Session
Function
Check the time zone of a visitor.

Marketing/Tracking

Name
isReturningVisitor5282
Expiration
90 days
Function
To check if a website visitor is returning

Progress Systems

Functional

Usage

Sharing data

This data is not shared with third parties.

Functional

Name
ASPSESSIONIDAECTBTTC
Expiration
Session
Function
General purpose platform session cookie used by sites written with Miscrosoft .NET based technologies. Usually used to maintain an anonymised user session by the server.
Name
RequestVerificationToken
Expiration
Session
Function
This is an anti-forgery cookie set by web applications built using ASP.NET MVC technologies. It is designed to stop unauthorised posting of content to a website, known as Cross-Site Request Forgery

WordPress

Functional

Usage

We use WordPress for website development. Read more

Sharing data

This data is not shared with third parties.

Functional

Name
wp-postpass_*
Expiration
Session
Function
Helps process password protected pages for users

Hotjar

Statistics

Usage

We use Hotjar for heat maps and screen recordings. Read more

Sharing data

For more information, please read the Hotjar Privacy Statement.

Statistics

Name
_hjSessionUser_*
Expiration
1 year
Function
Store a unique user ID

Miscellaneous

Functional

Usage

Sharing data

Sharing of data is pending investigation

Purpose pending investigation

Name
isReturningVisitor11223
Expiration
Function
Name
isReturningVisitor11214
Expiration
Function
Name
isReturningVisitor11245
Expiration
Function
Name
isReturningVisitor18094
Expiration
Function
Name
e_kit-elements-defaults
Expiration
Function
Name
isReturningVisitor16389
Expiration
Function
Name
isReturningVisitor16366
Expiration
Function
Name
isReturningVisitor16335
Expiration
Function
Name
isReturningVisitor285
Expiration
Function

Functional

Name
sgs-token-login-*
Expiration
365 days
Function
Siteground login

Managing Cookies

We provide a cookie consent management tool that can be accessed at all times from a small widget on the bottom right corner of our website. You can vary consent for cookies at any time while visiting the website by interacting with this tool.  Any change in consent will have immediate effect on the cookies that are dropped onto your device.

You can also adjust your browser settings to decline cookies or alert you when a website is attempting to place a cookie on your computer. Most browsers provide tools to enable you to set global settings regarding your cookie preferences.

These tools are usually to be found in the settings menu on your browser in a “Privacy & Security” menu item.

Third-Party Websites

Our website may contain links to and from third party websites. If you follow a link to any of these websites, please note that these websites have their own privacy settings, and these are not endorsed by us.  We do not accept any responsibility or liability for these third-party websites. Please undertake the appropriate due diligence before submitting any information to these websites.

Amendments To This Cookie Notice

We will post any changes to our Cookie Notice on our website and when doing so will change the effective date at the top of this Cookie Notice.  We will also update our Cookie Management Tool.

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