Internal-06

Privacy Policy

Our Commitment to our Members

We at C.A.H.P. Credit Union value the privacy of our members. You have chosen to do business with us, and we recognize our responsibility to keep the information you provide to us secure and confidential. We believe that all personal financial information specific to you that you provide to C.A.H.P. Credit Union through any channel constitutes personal information. Protecting your privacy, along with your financial assets is our top priority. C.A.H.P. Credit Union is committed to servicing all the financial needs of its members. As a service to you, our member, we may share information to select third parties that can offer valuable products and services that may interest you. When we share information with other parties for marketing purposes, you can expect them to treat it with the same strict standards as your credit union.

This privacy policy explains how we protect the privacy of your personal information and when we release information about you under certain situations, such as to maintain your account or other circumstances as required or permitted by law.

Information We Collect and Disclose to Others

In the course of doing business, we collect and use various types of information, such as information available from public records and consumer credit reports, as well as information you provide to us. We may also access information about you, such as accessing your consumer credit report, when considering a request from you for additional services or when exercising our rights under the law or any agreement with you. In addition, we collect information about you from the following sources:

Information we receive from you on applications and other forms you submit to us, such as your name, address, and social security number.

Information about your transactions with us, our affiliates or others, such as account balances and payment history.

Information we receive from credit reporting agencies, such as your credit worthiness and credit history.

We may disclose all of the information that we collect as described above. We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.

Sharing Information with Third Parties

We may disclose nonpublic personal information about you to nonaffiliated third party processors as necessary to complete your transactions, maintain your accounts and records, and as permitted or required by law.

We may disclose nonpublic personal information about you to the following types of third parties:

Financial service providers, such as insurance companies and mortgage service companies

Non-financial service companies, such as consumer reporting agencies, data processors, check printers, financial statement publishers/printers, plastic card processors, direct marketers, government agencies, and mail houses.

We may also disclose all of the information we collect as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements and as permitted or required by law.

Confidentiality and Security of Information

Keeping your financial information secure is an important responsibility that is taken seriously at C.A.H.P. Credit Union. We value your trust and handle your information with care. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. Our policies and procedures emphasize the importance of keeping our members’ information confidential. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Accuracy of Information

We make every effort to ensure that our records contain accurate, current and complete information. If you find that your account information is inaccurate, please call us at 800.542.2247 or write us at p. o. Box 276507, Sacramento, CA 95827-6507. We will promptly investigate and make any necessary changes to update our records.

Termination of Membership

If you decide to terminate your membership with C.A.H.P. Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

Privacy Choices

As a member of C.A.H.P. Credit Union you are provided with rights to opt-out of information sharing. If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt-out of disclosures to nonaffiliated third parties, you may do so by calling the following toll-free number: 800.542.2247, or by completing and e-mailing the opt-out notice.

Restrict Information Sharing With Other 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.

Member Update: Before our staff respond to questions regarding your specific accounts or activity, we are obligated to find workable ways to ensure the person we are dealing with is who he or she says, specifically is the person who purports to be a member really that member.

Our staff will ask the caller questions that only the actual member should be able to answer correctly. This security measure is gaining popularity and commonly referred to as “out of wallet” questions. Effectively weeding out pretext callers and blocking account takeovers requires this more creative approach. We will ask callers something only the true member is likely to know – not a piece of data that can be gained from a stolen wallet or a little research on the Internet.

We apologize for any inconvenience this may cause, but in today’s environment we must do all we can to keep our members’ financial information secure. To learn more on how to protect yourself from identity theft or other criminal fraud, please visit Resources and review the growing library of Fraud & Security related information.