Cookie Notice

By continuing to use St. Raphael’s Garda Credit Union Ltd’s websites, you consent to the use of cookies.

What is a cookie?

Cookies are small pieces of information, stored in simple text files, placed on your computer 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.

How does St. Raphael’s Garda Credit Union Ltd use cookies?

St. Raphael’s Garda Credit Union Ltd. uses cookies to collect information about visitors’ use of the website, including things like connection speed, operating system details, the time and duration of visits and IP addresses. The information collected by cookies enables St. Raphael’s Garda Credit Union Ltd. 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. St. Raphael’s Garda Credit Union Ltd. will not attempt to personally identify visitors from their IP addresses.

Advertisements and promotional information are displayed on St. Raphael’s Garda Credit Union Ltd.’s websites. These are presented to all users. Cookies may also be used to present specific marketing or advertising messages to you, using targeting cookies (see below for more information about targeting cookies)

Cookies do not in any way compromise the security of your computer. Visitors can use most of St. Raphael’s Garda Credit Union Ltd.’s websites with no loss of functionality if cookies are disabled from the web browser. St. Raphael’s Garda Credit Union Ltd. online banking service, requires cookies to be enabled in order for the service to function properly (please see table below for more information)

What types of cookies does St. Raphael’s Garda Credit Union Ltd. use?

St. Raphael’s Garda Credit Union ltd. uses the following cookie types:

COOKIE TYPE	COOKIE PURPOSE
Functionality	These cookies allow St. Raphael’s Garda Credit Union Ltd.’s website to remember choices you make (such as your preferred language) 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	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. St. Raphael’s Garda Credit Union Ltd. uses first-party analytics cookies for this purpose.
Targeting Cookies	Targeting cookies remember individual websites you have visited and help St. Raphael’s Garda Credit Union Ltd. to present relevant and targeted online advertising to you. Targeting cookies may be placed on your machine when you visit a St. Raphael’s Garda Credit Union Ltd. website page. When targeting cookies have been placed on your device, they can be recognised by subsequent websites you visit, and this allows those sites to present targeted St. Raphael’s Garda Credit Union Ltd. and third party advertising to you. While targeting cookies can track your visits around different websites and identify if you are a user of St. Raphael’s Garda Credit Union Ltd. Digital Banking, the information collected is anonymous. Users can set their browsers to accept or reject all, or certain, cookies. If you would like more information how to manage cookies, please see the section below headed, ‘How to manage and disable cookies’.

Please take note of the following information with regard to the Google third party cookies used on our website:

Google Universal Analytics

What is Google Analytics

Google Analytics is a web analytics service provided by Google, Inc. Google Analytics uses cookies in order to evaluate your use of St. Raphael’s Garda Credit Union Ltd.’s website. Browsers do not share cookies across domains.

How Google Analytics Works

Google do not collect or store personal information. Google Analytics prohibits the tracking or collection of personal information or association of personal information with web analytics information. Google Analytics does not report the actual IP address information to Google Analytics customers.

What Google Analytic Features are enabled by St. Raphael’s Garda Credit Union ltd:

The following Google Analytics Advertising features are enabled in respect of St. Raphael’s Garda Credit Union Ltd.’s use of Google Analytics:

User ID -This allows St. Raphael’s Garda Credit Union Ltd. to associate multiple sessions across multiple devices (and any activity within those sessions) with a unique ID. When the unique ID and any related engagement data is sent to Google Analytics, all activity is attributed to one anonymous user who is not personally identifiable in the reports.

With the unique ID, St. Raphael’s Garda Credit Union Ltd. can get a more accurate user count and analyse the signed-in user experience.

In addition with a unique ID, St. Raphael’s Garda Credit Union Ltd. can present more relevant St. Raphael’s Garda Credit Union Ltd. and third party advertising to a user as the unique ID can indicate if an anonymous user is an existing user of St. Raphael’s Garda Credit Union Ltd. online services without removing the anonymity of that user.

While Google Analytic cookies are targeting cookies which use a unique ID and can track your visits around different websites, the information collected is anonymous and you will not be personally identifiable to either Google or St. Raphael’s Garda Credit Union Ltd.

Demographics and interests reporting – Understand how St. Raphael’s Garda Credit Union Ltd.’s site audience breaks down by age, gender, and interests.

Google analytics data sharing settings enabled: Google products & services – St. Raphael’s Garda Credit Union Ltd. shares Google Analytics data with Google to help improve Google’s products and services

Benchmarking – St. Raphael’s Garda Credit Union Ltd. contributes anonymous data to an aggregate data set to enable features like benchmarking and publications that can help St. Raphael’s Garda Credit Union Ltd. understand data trends. All identifiable information about St. Raphael’s Garda Credit Union Ltd.’s website is removed and combined with other anonymous data before it is shared with others.

Technical support – Google technical support representatives have access to St. Raphael’s Garda Credit Union Ltd.’s Google Analytics data and account when necessary to provide service and find solutions to technical issues.

Opt-out: Users may opt-out of Google Universal Analytics use of cookies by visiting the Google Universal Analytics opt-out page.

Storage Location: Google stores the information collected by the cookie on secure Google servers.

How to manage and disable cookies?

For more information about how to manage cookies, including opting-out of different types of cookies please visit: www.aboutcookies.org

You can also find more information about how to opt-out of targeting cookies by visiting: www.youronlinechoices.com