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Protecting your privacy, along with your financial assets, is at the core of our business relationship with you. We recognize our obligation to you to keep the information you provide to us confidential and secure. Our commitment to you will continue under the principles and guidelines described below.
In the course of doing business, we collect and use various types of information, such as information you provide to us, public records, etc. We use this information to assess your requests for our services, to service your accounts, to offer you other services that you may be qualified to receive and to conduct market research.
Keeping your account accurate and up to date is very important. If you ever find that your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement. We will correct any erroneous information that we maintain or report as quickly as possible. If you believe that information on any credit report issued by a consumer credit reporting agency is not accurate, you should contact the agency that issued the report.
We limit who receives information and what type of information is shared. We share information with the goal of bringing you greater convenience and more choices. To assist us in offering you service, we occasionally share information with companies that work for us, such as check-printing companies. These companies act on your and our behalf and are obligated to keep the information provided them confidential.
CDC Federal Credit Union (“Credit Union”), as a matter of policy, conforms with the federal regulations of the National Credit Union Administration, 12 CFR, Parts 716, covering Privacy of Consumer Financial Information.
The credit union collects nonpublic personal information about you from the following sources:
(i) information we receive from you on applications and other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency. We may disclose all of the above information we collect. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. We may disclose nonpublic personal information about you to the following types of third parties: (a) Financial service providers, such as our affiliate mortgage company, Briarwood Financial Services, LLC, securities broker-dealers (e.g., LPL) and insurance agents (e.g., LHW, Inc.); (b) non-financial companies, such as retailers (e.g., Car Connection); and others. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out by calling 404.325.3270 in Atlanta or 1.800.245.9655 outside Atlanta. Press 5 for Member Services. We restrict access of nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Whether you are a member or just visiting us, we will safeguard the information you are asked to provide to gain access. When you apply for services, enroll in our Internet Banking Service (IBS) and/or optional Bill Payment Service (BPS), you must provide personal information that is necessary for us to process your request. To assure this information remains confidential, it is sent to us in a “secure session.” We may keep this information or share it with outside companies with which we work so that we can offer you accounts and services in which you may have an interest. Please use caution when using consolidation sites – those with the ability to collect all your personal information on one site. Never provide your personal information, password, etc. to a site that you do no recognize and trust. All transactions initiated by such sites using access information you provided are considered authorized by you, whether or not you were aware of a specific transaction. You may revoke this authority only by notifying us, and we may have to block your account and issue new access codes. We are committed to making sure your IBS/BPS is safe and secure. With our own security infrastructure in place, we are confident that access to your accounts is private and secure; however, we are unable to provide assurances for any other web sites. Therefore, you should only provide your access code/password when your browser shows a secure connection directly to CDC Federal Credit Union or another site you have investigated and fully trust.
We preserve the content of your e-mail to us, your e-mail address and our response. For secure transmissions, your e-mails should be sent to us at www.cdcfcu.com. Since our response back to you is not secure, we will not include confidential account information in our response. The information you supply on any surveys and promotions on our web site will only be used for internal marketing purposes. It may also be used to advise you of new accounts and services based on the information you provided to us. There may be planning tools used throughout the site to help you make decisions as you move through the web site. Try as many of the “What if’s” as you’d like. We do not capture the personal information you provide on these planning tools. Your personal financial information is maintained by us, our affiliates and business associates when you use IBS/BPS. We use state-of-the-art Internet technology (Versign’s Digital ID) to make these services secure and to protect your personal information. You can help by not sharing your account number and access code/password with anyone, by changing your password regularly and by signing off regularly. Whenever we ask for personal information on our web site, the system encrypts your information so it’s virtually impossible for anyone else to read it.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING
A NEW ACCOUNT
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We will also ask to see your driver's license or other identifying documents.
To determine your eligibility for membership, we may check with your employer who must be in the credit union's field of membership.
To qualify new members of the credit union, and for establishment of new accounts, we utilize the services of ChexSystems, a consumer reporting agency, and one or more credit bureau records.
We appreciate your understanding.
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