Privacy Policy
Below is Christian Community Credit Union’s (CCCU) privacy policy and how it treats your personal information.
| FACTS | WHAT DOES CCCU 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 income —Account balances and payment history —Credit history and credit scores When you are no longer our member, 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 Community Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Christian 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 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 don’t share |
| For our affiliates’ everyday business purposes — information about your creditworthiness | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
| WHAT WE DO | |
|---|---|
| How does Christian 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 Christian Community Credit Union collect my personal information? | We collect your personal information, for example when you — Open an account or deposit money — Pay your bills or apply for a loan — Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or 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. See below for more on your rights under state law. |
| LOCATION SERVICES |
|---|
| The myCCCU suite of mobile apps which includes myCCCU mobile banking and myCCCU Card, periodically collects, transmits, and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings. |
| DEFINITIONS | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies — Christian Community Credit Union has no affiliates |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies — Christian Community Credit Union does not share with nonaffiliates 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 agents and securities broker/dealers. |
| 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 separate notice titled, “Important Privacy Choices for Consumers” which is provided to you by Christian Community Credit Union. |