Information We Gather
In the course of providing services to you, we gather information about you from the following sources:
- Information we receive from you on applications or other forms (including web-based communications, applications, and forms);
- Information about your transactions and account experiences with us or any of our affiliates;
- Information we receive from consumer reporting agencies; and
- Information obtained when verifying information you provide on applications or other forms (this may be from your current or past employers or from other institutions where you conduct financial transactions).
"Cookies" are small pieces of information sent by a web site's server to a user; the user's computer may show the information back to the server on subsequent pages or actions.
When you browse our web site, www.clfcu.org, you do so anonymously; information about you is not collected.
Information We Disclose
To our affiliates:
In order to provide Members and clients with convenient access to competitive products and services (such as life insurance and mortgage services), we may share with our affiliates Member or client information related solely to your transactions and experiences with us. We do not share any Member or client information with our affiliates for marketing purposes.
For example, if you have a Membership account with CLFCU, and request or authorize a product or service from one of our affiliates, we may share your information. Sharing this information could save you time opening your new account since you may not need to provide the same information twice.
As permitted by law:
We may disclose information we have gathered about you as permitted or required by law. For example, information may be disclosed in connection with a subpoena or similar legal process or to credit bureaus.
To parties that provide services for us:
We may disclose information we have gathered about you to companies that perform services on our behalf. We enter into a contractual agreement with each company that acts on our behalf to ensure that your information is kept confidential, secure, and is used only for the contracted purpose. These disclosures include information necessary to process transactions on your behalf, follow your instructions, conduct our operations, or ensure the security of our financial records. These companies may assist us, for example, in check printing, credit card processing, and mailing account statements.
In addition, we may disclose the following type of information we have gathered about you to companies that perform marketing support or other services for us:
- Information we receive from you on applications or other forms (such as your name and address); and
- Information about your transactions and account experiences with us or any of our affiliates (such as your account balances and the types of products or services you use)
Except as set out above, we do not, nor will we ever, sell, share, trade, or rent names or other information about our Members and clients (or former Members and clients) to third parties.
How We Protect Your Information
Access to information about you is limited to those teammembers, our employees, who provide products or services to you. Our teammembers are trained and understand the importance of safeguarding your information. We maintain physical, electronic and procedural safeguards that meet or exceed federal standards to protect your information.
An Important Note About Email
When opening an e-mail link, your e-mail application is automatically started for you in an unsecured environment. Please use the [EMAILADDRESS]@clfcu.org link to send general comments, questions, or feedback only. If you have specific questions or problems about your account, we recommend that you contact us by telephone at [PUT THE PHONE NUMBER HERE].
We do not solicit data from or market to children under the age of 13 on our web site. When you browse our web site, you do so anonymously; information about you is not collected.
Information on Public Records
You may be aware that businesses can obtain certain consumer information, such as that related to mortgage loans, which is a matter of public record and available to anyone from the County Recorder’s Office. Unfortunately, this information is often used by companies to market their products and services directly to you. At times, they also make reference to the credit union or its affiliates, which may imply that they obtained the information from us. The lenders’ names as well as certain details of the loans are included in the public records, and that is where they obtain their data.
How to Remove Your Name from Credit Offers
If you prefer not to receive unsolicited pre-approved credit or insurance offers, you can remove your name from lists used by credit reporting agencies (CRAs) for these purposes. To remove your name and address, call 888/5OPTOUT (888/567-8688) or go to www.optoutprescreen.com
. By removing your name, you will no longer receive unsolicited credit offers from the credit union, its affiliates, or other businesses, such as credit card companies, department stores and banks.
When you call to remove your name from credit bureau lists, you will be given a choice to opt out for five years or permanently. Even though your request becomes effective within a week of calling, it may take several months before you see a reduction in the amount of unsolicited offers of credit.
How to Reduce Telemarketing Calls
The National Do Not Call Registry was created to offer consumers a choice regarding telemarketing calls and gives you an opportunity to limit the telemarketing calls you receive. The National Do Not Call Registry is managed by the Federal Trade Commission (FTC), the nation's consumer protection agency. Thirty-one days after placing your phone number on the registry, most (but not all) telemarketers should stop calling. For more information on the National Do Not Call Registry, or to register your phone number, go to www.donotcall.gov
or call 888/382-1222.
When you register your phone number, it will remain on the registry for five years from the date you register (unless you choose to remove it from the registry).
How to Reduce Junk Mail
The Direct Marketing Association (DMA) sponsors Mail Preference Service (MPS), which has been helping consumers since 1971 limit the national non-profit or commercial mail they receive at home. If you would like to reduce the amount of advertising you receive from companies, you can register for this service online or by mail:
Mail Preference Service
Direct Marketing Association
P.O. Box 643, Carmel, NY 10512
If you write to this agency, your name will be removed for five years from lists used by direct mail companies that subscribe to MPS. Removing your name from the list will not end all solicitations from businesses that do not subscribe to the service, or companies with which you do business. To eliminate mail from those businesses—as well as mail addressed to “occupant” or “resident”—write directly to each source.
Working Together to Protect Your Identity
Your credit union and its affiliates are committed to ensuring the protection of your personal information as well as the safety of our Members’ funds. If someone has fraudulently used your identity to establish credit, contact your credit union immediately and then report the incident as quickly as possible to each of the credit reporting agencies.
You may also want to find out if any additional credit accounts have been opened without your consent or whether unauthorized charges were billed to your accounts. Contact these credit reporting agencies to obtain a copy of your credit report.
For Additional Information
Thank you for the continued opportunity to serve you. If you have any questions regarding this privacy notice, please contact our compliance manager.