Privacy Policy
Facts
WHAT DOES CALIFORNIA COMMUNITY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial institutions including credit unions choose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depends on the product(s) or service(s) you have with us. This information may include:
How?
All credit unions need to share a member’s personal information to run their everyday business. In the section below, we list the reasons California Community Credit Union chooses to share; and whether you can limit this sharing.
| Reasons your personal information may be shared: | Does California Community Credit Union share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus | Yes | No |
| For our marketing purposes – To offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – Information about your transactions and experiences | No | We do not share |
| For our affiliates’ everyday business purposes – Information about your creditworthiness | No | We do not share |
| For nonaffiliates to market to you – | No | We do not share |
Questions?
Call (916) 386-1418 or 1-800-332-1418 or go to www.caccu.org
| What we do | |
|---|---|
| How does California Community Credit Union protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does California Community Credit Union collect my personal information? | We collect your personal information when you:
|
| Why can’t I limit all sharing? | Federal law gives you the right to limit
|
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and
nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial
and non-financial companies.
|
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
|
| Other Important Information |
|---|
| California law provides that a consumer has the right to control the sharing of personal and financial information with outside companies the financial institution contracts with to provide financial products and services. To exercise your right, refer to the below notice titled, “Important Privacy Choices for Consumers.” |
CALIFORNIA PRIVACY NOTICE FORM
The notice and opt-out form below is required by California Law for our California residents. If you have already opted out with us, you do not have to do so again.
Important Privacy Choices for Consumers
You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.
Your Rights
You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.
Your Choices
Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products and Services: Unless you say “NO”, we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.
PRIVACY POLICY FOR MOBILE APPLICATIONS
Introduction
This Privacy Policy describes the types of “Personal Information” (information that is identifiable to a particular person) that is collected (directly or through service providers) in connection with the Mobile Banking and downloadable applications (“App”) and related services (collectively, the “Service”) offered by your California Community Credit Union (“we” or “us”). This Privacy Policy is intended to supplement the disclosures in any Privacy Policy that you may have already been presented by us in connection with online banking or other services.
Eligibility
The Service is offered only to individual residents of the United States, excluding its territories, who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors. Other restrictions and eligibility requirements for the Service apply as described in the Terms of Use. We do not knowingly collect any Personal Information from or about individuals under 18 years of age. Please do not submit such information to us, and as a parent or legal guardian, please do not allow your children to submit Personal Information without your permission. By using the App or the Service, you represent that you meet these requirements and that you agree to the terms of this Privacy Policy.
What Types of Personal Information We May Collect
We may collect Personal Information about you, which may include: name, postal address, zip code, e-mail address, telephone number, account numbers, payment card expiration date, payment card identification or verification numbers, social security number, mobile device location, and other information that we can use to contact you, verify your identity, provide the functionality available through use of the App and the Service, and manage risks, such as information maintained about you by identity verification services and consumer reporting agencies, including credit bureaus, and payment and other transaction information, and history for payments and other transactions in which you participate through the Service, and any Personal Information that you may enter into information blocks present in the App interface or made available through the Service. We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device’s geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions).
How We May Collect Personal Information About You
We may collect Personal Information about you from the following sources:
a. Information that you input to the App or that the App collects automatically;
b. Your use of the App and the Service, and your interactions with customer care, including information you enter or speak, and information transmitted by your computer or mobile device or other devices you use as part of your receipt of the Service; and
c. We may also collect Personal Information about you from others, such as Affiliates, or other companies (such as for fraud detection).