Privacy Policy
What Does Communication Federal Credit Union Do with Your Personal Information?
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.
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 Balance and Payment History
- Credit History and Credit Score
When you are no longer our member, we continue to share your information as described in this notice.
All financial companies need to share member’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member’s personal information; the reasons Communication Federal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Communication Federal 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 | YES | NO |
| For joint marketing with other financial companies | NO | WE DO NOT SHARE |
| For our affiliates’ every day business purposes – information about your transactions and experiences | NO | WE DO NOT SHARE |
| For our affiliates’ every day business purposes – information about your creditworthiness | NO | WE DO NOT SHARE |
| For nonaffiliates to market to you | NO | WE DO NOT SHARE |
What We Do
How does Communication Federal 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 Communication Federal 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.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- We have affiliates, but do not share information with affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- We do not share information with nonaffiliates.
Joint Marketing
A formal agreement between nonaffiliated companies that together market financial products or services to you.
- We do not share information with joint marketing companies.
Internet Security Statement
Confidentiality of Consumer Information in Other Circumstances
Our Web Site
When you visit our website at www.comfedcu.org, we want you to feel secure that we are respecting your privacy. The only private information we have about you is the information you choose to give us (such as providing feedback or completing a form). We do not release that information to others without notifying you on the form and obtaining your consent. We may use “cookies” on some pages of our website for the purpose of serving you better when you return to our site. A cookie is a small element of data that a website can send to your browser, which may then be stored on your system. Data collected from cookies helps us determine how many people visit certain pages, ultimately enabling us to improve our site design and content. Your web browser can be set to provide you a notice before you accept a cookie.
Our Credit Union is constantly concerned about our member’s critical information and privacy. With this in mind, we have the following security services installed on our Internet server:
- Each server is behind a Firewall. This UNIX-based hardware product blocks critical ports and IP addresses on servers from external attack and access.
- Each server runs proprietary software that constantly monitors the servers for unauthorized use and attempts to “hack” into information. Administrators are contacted when forced attacks are committed, and countermeasures can be applied to stop these instances.
- All administrative activity requires user login and authentication. All administrative updates are logged into files that can be reviewed later.
- All communication between the web server and member is digitally encrypted by a SSL certificate. Information passed in applications cannot be decrypted by third parties attempting to “pick” information being passed across the Internet backbone.
Information Collected
We do not collect information that personally identifies a user of our website unless the user voluntarily provides that information to us. When you access our website, we automatically collect information that cannot personally identify you, including the date and time of access, the domain you use, the website you last visited before accessing our site, and the route you travel while visiting within our website. This information is used to measure the number of visitors to our website and to provide better service to users through improved website design and navigation.
We do not market our products and services to children, and we will not knowingly collect or maintain information from children via the Internet.
Member Only Areas (Online Banking & eStatements)
Personal identification information (for example, account number, personal identification number (PIN), and password) is collected when a valid credit union member with active account(s) has registered to enter the secure online transactions area of our website. This personal identification information enables us to regulate access to those who request such access and can provide the correct personal information. To protect yourself, it is important that you keep your personal identification information confidential. Select PINs and passwords that are unique to you and not easily guessed, and if possible, change them periodically. Take care to see that others are not able to view the information you enter when you use a protected area of a website.
Cookies
We use “cookies,” which are temporary text files a web site stores on a visitor’s web browser to carry forward information the visitor enters on one page to others he or she visits. The cookies help to protect the privacy of a member’s [customer’s] transaction privacy by automatically terminating online sessions when he or she forgets to log out. When used, cookies cannot capture a user’s email address, obtain data from the user’s hard drive, or gain confidential or sensitive information about the user. A cookie also cannot be read by any website other than the one that sent the cookie.
Online Advertising
In our online advertising endeavors, Communication Federal Credit Union may use Google Analytics, Google AdWords Conversion tracker, other Google services, Facebook, and other third-party sites which place cookies on a browser across the Communication Federal Credit Union website(s). This cookie placement helps us increase the website’s general effectiveness for visitors. Cookies are set and read by Google, Facebook and other third party sites. You can opt out of Google tracking at any time by visiting the Google Ad Settings page. You can opt out of Facebook tracking at any time by visiting https://www.facebook.com/ads/website_custom_audiences/ .
Communication Federal Credit Union may also use AdWords, Facebook or other third party remarketing, sometimes called retargeting, to market our website(s) across the Internet. Google, Facebook or other third party sites place a cookie on a browser. Google, Facebook or third party sites reads cookies and may present a Communication Federal Credit Union ad on a 3rd party site. You may opt out of Google’s remarketing here. If you are concerned about 3rd party cookies presenting ads by Google and other ad networks, you may visit a broader opt out page at the Network Advertising Initiative. You may opt out of Facebook remarketing by visiting https://www.facebook.com/ads/website_custom_audiences/
This agreement may be changed from time to time by posting the new Terms of Use on Communication Federal Credit Union’s website. All Communication Federal Credit Union website users agree to be subject to this agreement as it changes from time to time.
Online Forms
We provide online forms and applications to better serve the needs of our members. Personal information provided via an online form is used to process the member’s request for service. Our online forms are sent directly via our secure internal network. (See Email, below.)
Email
In general, Internet email messages are not secure, unless they are encrypted. You should use discretion before submitting any personal or financial information via email. Information communicated via email messages traveling through the Internet may be intercepted, collected, used or disclosed by others. If you are concerned about the security of email communications, please send your forms or correspondence through the postal service or use the telephone to contact us directly.
Live Chat
Your conversations on the live chat platform may be monitored and recorded for quality assurance, training, and compliance purposes. We may use these recordings to:
- Evaluate the performance of our customer service representatives.
- Ensure that our service meets regulatory and legal requirements.
- Improve our service by analyzing conversations and identifying areas for improvement.
By using this live chat service, you consent to the monitoring and recording of your conversations. Please note that any information you provide during these conversations may be collected and stored by us.
We understand that your privacy is important, and we take measures to protect your information. We will not disclose your conversations to any third parties except as required by law or in the case of a legitimate business need.
Links to Other Sites
Our website contains links to other websites. These sites are not under our control. They may collect information about you that we do not. We are not responsible for the privacy practices or content of linked websites.
If you have any questions concerning this information, please call 800-522-3535 or visit the branch nearest you.
App Account Deletion Policy
We value your privacy and are committed to providing you with control over your data. This policy outlines how we handle account deletions and data retention for users of our app.
Account Deletion Process
If you have created an account through the CFCU Mobile app, you may request to delete your account at any time. You can initiate this request by:
- Using the “Delete Account” option within our app’s settings.
- Sending a Secure Message through Online Banking or the CFCU Mobile app.
- Visiting our website at comfedcu.org/privacy-policy and navigating to the “Request App Account Deletion” section. Please note that additional verification will be required when requesting account deletion through this page.
What Happens When You Delete Your Account
Upon requesting account deletion:
- Your app account and its associated data will be permanently deleted from our system within 5 business days.
- Deleting your app account will limit your ability to perform certain transactions and access certain credit union products and services. To access these products and services, you will be required to create a new account.
- Deleting your app account will suspend any scheduled and recurring transfers and bill payments which were set up through the CFCU Mobile app or Online Banking.
- Deleting your app account will revert your statement delivery preferences to print and mail, if currently enrolled in eStatements.
- Deleting your app account will not terminate or affect your Communication Federal Credit Union membership. Your credit union membership, accounts, transaction history, and any services you use through the credit union will remain intact.
- Once your app account has been deleted, it cannot be restored or recovered to its initial state, and you will be required to create a new app account to access the CFCU Mobile app and Online Banking.
Data Retention
While your account will be deleted, we may retain certain information for legitimate business reasons, including but not limited to:
- Transaction History: Retained for regulatory and auditing purposes.
- Login History: Retained for security and fraud prevention.
- IP Address and Device Information: Retained for security purposes and to comply with legal obligations.
This retained data will be securely stored and will not be used for any other purpose.
Compliance with Legal Obligations
We may retain specific information even after account deletion to comply with applicable laws, regulatory requirements, or for fraud prevention and security reasons. However, we will only retain this information for the minimum period necessary and in accordance with our Privacy Policy.
Re-registering
If you wish to re-register as a CFCU Mobile app user, you must have an active credit union membership and will be required to perform a new user registration.
Contact Us
If you have any questions regarding account deletion or our data retention practices, please contact us via comfedcu.org/contact.
Request App Account Deletion
To expedite app account deletion, we recommend using the “Delete Account” option within our app’s settings or sending a Secure Message within Online Banking or the CFCU Mobile App. If you are unable to sign in to the app to request app account deletion, please complete the form below. Please note that additional verification will be required for deletion. Once your request have been verified, your app account and its associated data will be permanently deleted from our system within 5 business days.