Cookie Policy

This Cookie Policy explains how Whitestone Trust Credit Union ("we," "us," or "our") uses cookies and similar tracking technologies on our website www.dbhacu.com ("Website"). By continuing to browse our Website, you consent to our use of cookies as described in this policy.

What Are Cookies?

Cookies are small text files that are placed on your computer, smartphone, or other device when you visit a website. They are widely used to make websites work more efficiently, enhance user experience, and provide information to website owners. Cookies may be "session cookies" (deleted when you close your browser) or "persistent cookies" (stored on your device until they expire or you delete them).

In addition to cookies, we may use similar technologies such as web beacons (small transparent images embedded in web pages or emails), pixel tags, and local storage objects. For simplicity, we refer to all of these technologies as "cookies" in this policy.

Types of Cookies We Use

Strictly Necessary Cookies

These cookies are essential for the Website to function properly and cannot be switched off in our systems. They are usually set in response to actions you take, such as setting your privacy preferences, logging in, or filling in forms. Without these cookies, core features of the Website — including secure login and account access — would not work.

Examples: Session identifiers that keep you logged in during your banking session, cookies that remember your cookie consent preferences, and load-balancing cookies that ensure the Website performs reliably.

Performance and Analytics Cookies

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our Website. They help us understand which pages are most and least popular and see how visitors move around the site. All information collected by these cookies is aggregated and therefore anonymous.

Examples: Google Analytics cookies that track page views, time on site, and navigation patterns. We use this data to improve page layouts, identify broken links, and optimise content.

Functional Cookies

These cookies enable the Website to provide enhanced functionality and personalisation. They may be set by us or by third-party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these services may not function properly.

Examples: Cookies that remember your language preference, region selection, or display settings so you do not have to set them each time you visit.

Security Cookies

These cookies help us detect and prevent security threats, fraudulent activity, and unauthorised access to your account. They are critical for maintaining the integrity of our banking platform and protecting your personal and financial information.

Examples: Cookies that help us identify unusual login patterns, detect brute-force attacks, and verify that requests to our servers come from legitimate users.

Third-Party Cookies

Some cookies on our Website are set by trusted third-party services that we use for analytics, security, and functionality. These third parties may collect information about your online activities over time and across different websites. We do not control these third-party cookies, and their use is governed by the privacy policies of the respective providers.

Third-party services we use include:

• Google Analytics: For website traffic analysis and performance monitoring. You can learn more about Google's privacy practices at policies.google.com/privacy.
• Content Delivery Networks (CDNs): For efficient delivery of CSS, JavaScript, and font files. CDNs may set cookies for performance optimisation and security purposes.

How to Manage Cookies

You have control over how cookies are used on your device. Most web browsers allow you to manage your cookie preferences through browser settings. You can typically:

• Delete cookies: Remove all cookies or specific cookies stored on your device.
• Block cookies: Set your browser to refuse all cookies or only third-party cookies.
• Clear cookies on exit: Configure your browser to delete cookies each time you close it.
• Manage exceptions: Allow cookies from specific websites while blocking others.

Instructions for managing cookies in popular browsers:

• Google Chrome: Settings > Privacy and security > Cookies and other site data
• Mozilla Firefox: Options > Privacy & Security > Cookies and Site Data
• Apple Safari: Preferences > Privacy > Cookies and website data
• Microsoft Edge: Settings > Cookies and site permissions > Manage and delete cookies and site data

Important: Blocking or deleting strictly necessary cookies and security cookies may prevent you from logging into your account or using certain features of our Website. We recommend keeping these essential cookies enabled to ensure a secure and functional banking experience.

Your Consent

When you first visit our Website, you are presented with a cookie consent banner that allows you to accept or manage your cookie preferences. You can change your preferences at any time by clearing your browser cookies or adjusting your browser settings as described above. By continuing to use our Website without changing your settings, you agree to our use of cookies in accordance with this policy.

Do Not Track

Some browsers offer a "Do Not Track" (DNT) signal that requests websites to disable tracking of your browsing activity. At this time, our Website does not respond to DNT signals. However, you can control tracking through the cookie management options described above.

Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our use of cookies, operational practices, or legal and regulatory requirements. When we make material changes, we will update the "Last updated" date at the top of this page and provide notice through our Website. We encourage you to review this policy periodically to stay informed about our use of cookies.

Contact Us

If you have any questions about this Cookie Policy or our use of cookies, please contact us:

• Email: [email protected]
• Phone: +1 (800) 555-0199
• Mail: Data Protection Officer, Whitestone Trust Credit Union, 1201 North Market Street, Wilmington, DE 19801, United States

For more information about how we handle your personal data, please see our Privacy Policy.