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Privacy

How We Keep Your Information Private And Secure 

We are committed to, and have a long-standing policy of, protecting the confidentiality and security of our members' personal information and ensuring the accuracy of such information. As you know, during the course of our business relationship with you, we collect and maintain information about you to enable us to conduct our business in a manner consistent with laws and regulations, and to provide you with information and offers on competitive, quality products and services to meet your financial needs.

To help us meet those needs, we have entered into agreements with other companies that provide either services to us or financial products for you to consider. Under these arrangements, we may share the information we collect, as described below, with companies that perform marketing or other services on our behalf or with other financial institutions with whom we have joint marketing agreements.

You can be sure that in order to protect our members' privacy, we only work with companies that agree to safeguard and limit the use of information we provide. We do not permit these companies to sell the member information we provide to them.

This privacy notice describes the kind of information we obtain in the ordinary course of business, the kind of information we share with others, and the types of companies with whom we share this information. You may also download a printable copy of this information.

Facts

What Do We 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 account balances

• Payment history and transaction history

• Risk tolerance and checking account information

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 California Credit Union chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information

Does California 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

Yes

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 non-affiliates to market to you

No

We don't share

Who We Are

 

Who is providing this notice?

California Credit Union

What We Do

 

How does California 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.

 

California Credit Union regularly tests our security procedures and performs enhancements as needed to protect member information.

How does California Credit Union collect my personal information?

We collect your personal information, for example, when you

• Open an account or pay your bills

• Apply for a loan or deposit money

• Use your credit or debit card

We also collect your personal information from others, such as credit bureaus 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 non-affiliates 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.

Definitions

 

Affiliates

Companies related by common ownership or control.

They can be financial and nonfinancial companies.

 California Credit Union has no affiliates

Non-affiliates

Companies not related by common ownership or control.

They can be financial and nonfinancial companies.

California Credit Union does not share with non-affiliates 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 credit card companies, insurance companies, and mortgage companies

Other Important Information

California law gives you the right to opt out of certain sharing. Please see the portion of this notice entitled "Important Privacy Choice for Consumers."

Other Companies' Mailings

If you would like to reduce the amount of advertising you receive from other companies, you can write to them as follows:

Mail Preference Service
c/o Direct Marketing Association
P.O. Box 9008
Farmington, NY 11735-9008

Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 9014
Farmington, NY 11735-9014

You should include complete information about each name, address, and phone number you want excluded.

Important Privacy Choice 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 choice below.

Your Rights

You have the following right to restrict the sharing of personal and financial information with outside companies 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 Choice

Restrict Information Sharing With Outside 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.

Time Sensitive Reply

You may make your privacy choice at any time. Your choice will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with outside companies with whom we have contracts to provide products and services. To exercise your choice call this toll-free number (800) 305-1280 leave your name, account number, and daytime phone with your privacy preference. Please allow 30 days to process your request.

Online Privacy

California Credit Union is committed to providing you with a safe and secure online experience. It is a company-wide priority to ensure that your identity is secure and your resources are safe. This online privacy policy outlines how we manage these priorities as they relate to our web site and electronic communications. As systems advance and technologies develop, this policy will be updated and modified as needed. Throughout this policy there will be references to two distinct areas of online services:

  • The credit union website includes all pages and content which may be publically accessed from any web browser. Anyone may anonymously access these pages.

  • "Digital Banking" is the online service which allows members to access their accounts online, perform account inquiries, transfers, bill payments, and other similar transactions. This service requires a username and password and may only be accessed after a user account has been created.

Information Collection

California Credit Union does not collect any personally-identifiable information on with website without consent. We use website monitoring software to gather aggregate information about our visitors' browsing activities in order to improve our site and better serve our members. We use this data to analyze trends, track visitor movement, and gather demographic information. IP addresses are not linked to personally identifiable information. California Credit Union provides calculators and other online tools to assist visitors in making financial decisions. These tools do not collect or store any information entered by web visitors. Online loan applications require additional information necessary to process online requests and this information is protected in accord with the credit union’s Privacy Policy.

California Credit Union does not knowingly collect or use personal information from children under 13 on the public website.

When you sign on to Digital Banking, your identity is no longer anonymous; each username corresponds to a specific member and that information is collected and retained. To ensure the security of your accounts, all actions are monitored and tracked. You should never share your username with another person to ensure the security and privacy of your accounts and information. Refer to the Digital Banking access agreement for complete privacy, security, and usage information. Communicating online with California Credit Union Emails and messages that are sent via the public website may not be secure. For that reason, please do not send confidential information such as Social Security or account numbers through unsecured email or the online message form but, instead, sign on to Digital Banking and submit a secure message through this system.

Security Procedures

California Credit Union understands the confidential and secure nature of your personal and financial data and has multiple security measures in place. Applications and forms found on northislandcu.com are submitted through secure, encrypted web pages. You can verify the security of a web page by looking for the “locked padlock” icon which most browsers display as a sign of a secure web page. To ensure the encryption of your web visit, you should ensure that you are using the most current web browser available. When you have signed on to Digital Banking, all transactions and information are secure. California Credit Union utilizes the latest in technology to monitor Digital Banking activity to protect your information and resources. Built-in security measures include a session time-out (your Digital Banking session will automatically log out after a period of inactivity), sign on error lockout (after repeated incorrect sign on attempts), and multi-factor authentication to verify your identity before you can sign on.

Cookies

The credit union website and Digital Banking employ "cookie" technology. A cookie is a small piece of data, which is placed on your computer at the start of each “session” when you sign on to let our system know that you are an authorized user. This cookie is used throughout your entire session to allow you access to your account information. If you disable cookies on your browser, the site may not function properly.

Links To Other Websites

The credit union website provides links to other websites that we believe are beneficial to our members by providing information, resources, and educational tools. We take great measures to select product and service providers that are committed to protecting the information of their visitors. However, when you use a link to go from our site to another website, our privacy policy is no longer in effect. California Credit Union does not provide, is not responsible, and assumes no liability for, any outside website's content, information, products, services, privacy policies, security, or external links. If you decide to leave our site and access these third-party sites, you do so solely at your own risk. Any information you provide while visiting a website after leaving the credit union's website will be governed by the privacy policy of that respective website. Additionally, third-party affiliate websites may use cookies on their websites. We have no access to, or control of, these cookies, should this occur.

Interruption Of Service

At certain times, the creditk union website and/or Digital Banking may be unavailable due to system maintenance or circumstances beyond our control. California Credit Union conducts frequent and regular backups of your information and utilizes redundant information practices to protect your information from being lost, altered, or corrupted due to unforeseen equipment malfunctions.

For additional information you may wish to view the Important Privacy Choice for Consumers.

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