Cookie Policy

By continuing to use Croí Laighean Credit Union’s (hereinafter ‘CLCU’) website clcu.ie and apps using any device, and by not changing your web browser settings to disable cookies, you consent to the use of cookies.

This cookies policy should be read in addition to the terms and conditions of this website and is subject to them. If there is any conflict between the cookies policy and the terms and conditions, the terms and conditions shall prevail.

Updates to this policy

From time to time, we will update this policy if we change how we use cookies. The most up to date policy will always appear here.

Update May 2023

In May 2023 CLCU switched from using Google Universal Analytics to Google Analytics 4 (GA4). Google Universal Analytics and GA4 differ primarily in their tracking methods and data collection. Universal Analytics uses cookies to track user interactions on websites, allowing for the analysis of user behavior, demographics, and acquisition sources.

In contrast, GA4 utilizes an event-based model that centers on user interactions, emphasising events and parameters rather than relying heavily on cookies. As a result, GA4 is more privacy-friendly.

Both versions of Google Analytics may use cookies for tracking, but GA4’s approach extends beyond cookies, focusing more on event-based tracking for a comprehensive analysis of user behavior. However, in GA4, IP Anonymisation is enabled by default and cannot be switched off. As the data is anonymised, the data is not personal data, and GA4 will not store the IP addresses of users, and it cannot track users. GA4 does not use third-party cookies.

What are cookies?

Cookies are small pieces of information, typically of letters and numbers stored in simple text files, placed on your computer, smartphone, tablet, or device by a website. Cookies can be read by the website on your subsequent visits.

The information stored in a cookie may relate to your browsing habits on the web page, or a unique identification number so that the website can “remember” you on your return visit. Generally speaking, cookies do not contain personal information from which you can be identified, unless you have furnished such information to the website.

There are 2 types of cookies: first-party and third-party. First-Party Cookies are cookies set directly by our website. They help the site remember things like your login, preferences, and what pages you’ve visited, so everything runs smoothly. They’re basically the helpful little assistants that make the website work the way you expect.

Third-party cookies don’t give anyone access to your personal details and come from trusted partners who help us understand how people use our site. They provide insights that allow us to improve our services and, occasionally, share information that helps us show relevant updates or offers that are relevant to you.

CLCU uses cookies to collect information about visitors’ use of the website, including things like connection speed, operating system details, the time and duration visits and IP addresses. The information collected by cookies enables CLCU to understand the use of its site, including the number of visitors it has, the pages viewed per session, time exposed to particular pages etc. This in turn helps to provide visitors with a better experience. CLCU will not attempt to personally identify visitors from their IP addresses.

Cookies do not in any way compromise the security of your computer. Visitors can use most of the features on this website with no loss of functionality if cookies are disabled in the web browser. However, some features, including our online banking system, require cookies to be enabled in order for the service to function properly.

This website uses the types of cookies listed below:

Necessary

These cookies are essential to enable you to move around websites and use the websites’ features, such as accessing secure websites or secure areas of websites. Without these cookies, services you have asked for, like online banking and mobile banking, cannot be provided.

Functionality

These cookies allow this website to remember choices you make (such as your preferred text size) and provide enhanced, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. Other examples include cookies that keep track of your progress when filling online application forms.

Performance/ Statistics 

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous.

Should you wish to prevent websites from using cookies, instructions for changing your web browser settings are outlined below for each of the most popular web browsers. Please note: our online banking service, including mobile banking, require cookies to be enabled for the service to function properly. If you disable cookies, you will not be able to use our online and mobile banking services. The cookies policy applies to this website only. If you visit CLCU’s presence on social media sites, the cookies policy of that social media site will apply.

Marketing

These cookies are used to detect how the user reached the website and what specific asset/ campaign led to the visit. They also collect data on user behaviour and track if specific conversions were completed. They are used to help optimise marketing campaigns and determine which campaigns work best.

To disable cookies on popular platforms, please follow these steps;

Google Chrome

• Click the Chrome menu button, a button of 3 bold horizontal lines located to the right of the browser toolbar.
• Select Settings.
• Click Show advanced settings
• In the “Privacy” section, click the Content settings button.
• In the “Cookies” section, click “Block Cookies by default”

Safari

• Choose Safari > Preferences, and then click Privacy.
• In the “Block cookies” section, specify if and when Safari should accept cookies from websites. To see an explanation of the options, click the Help button (question mark).
• If you want to see which websites store cookies on your computer, click Details.

Internet Explorer

• Go to the ‘Tools’ menu
• Click on ‘Internet Options’
• Click the ‘Security’ tab
• Highlight the ‘Internet’ zone (selected by default)
• Select security level ‘High’ for this zone
• Click on ‘OK’

Mozilla Firefox

• Open the Edit menu and choose Preferences.
• Under the Privacy & Security category, choose Cookies. (If no subcategories are visible, double-click the category to expand the list.)
• Click the following radio button: Disable cookies.