Privacy Policy

 

FACTS

WHAT DOES Christian Family Credit Union DO WITH YOUR PERSONAL INFORMATION?

 

Why?

Financial companies 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 depend on the product or service you have with us. This information can include: Social Security number and transaction history account balances and account transactions credit history and mortgage rates and payments When you are no longer our customer, we continue to share your information as described in this notice.

 

How?

All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Christian Family Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information	Does UMFCU 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 report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	Yes*
For joint marketing with other financial companies	No	We don't share
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We don't share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

 

To limit our sharing*

Call 800-831-3972, ext. 127 Visit us online: www.ChristianFamilyCU.com or Mail the form below Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. *You may contact us at any time to limit our sharing of printed and electronic marketing materials tailored specifically for you.

 

Questions?

Call 800-831-3972, ext. 127 or go to www.ChristianFamilyCU.com

 

Who we are
Who is providing this notice?	Christian Family Credit Union

 

What we do
How does Christian Family 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 Christian Family Credit Union collect my personal information?	We collect your personal information, for example, when you Open an account or show your driver’s license Pay your bills or apply for a loan Use our credit or debit card We also collect your personal information from others, such as credit bureaus, and other companies
Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account

 

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Christian Family Credit Union has no affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Christian Family Credit Union does not share with nonafilliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies, and direct marketing companies

 

Other important information

Notices and “Joint Relationships." Except where expressly required by applicable law, we will provide all notices to the member listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said member on the application, agreement or other document. If this member has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the e-mail or Internet address provided by said person; or we shall post or otherwise give notice by posting a notice, providing a link or using such other electronic methods authorized under applicable laws and/or regulations. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph. Modification. The Credit Union reserves the right to modify, change or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law.