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COMMUNITY ALLIANCE CREDIT UNION

PRIVACY AND SECURITY POLICY

Community Alliance Credit Union (the “Credit Union”) is committed to making available financial products and services that will enable its members and potential members to meet their financial needs and reach their financial goals. Protecting personal information and using it in a manner consistent with member expectations is a high priority for everyone associated with The Credit Union.

To ensure that members can rely upon quality service and personal confidentiality, The Credit Union has established the following privacy policy:

• The Credit Union will collect only the personal information that is necessary to conduct our business. This is information that is necessary to provide competitive financial products and services.
  
  
• We collect nonpublic personal information about members from the following sources:                  
  • Information we receive about members verbally, electronically, or in writing from applications and other forms supplied to us by our members and other sources used to verify information a member provides such as name, address, social security number;
  • Information about transactions with The CU, our affiliates, or others;
  • Information we receive from consumer reporting agencies, such as your credit history.

• The Credit Union will protect its members’ personal information. Our credit union will maintain strong security controls to ensure that member information in our files and computers is protected. Where necessary, we will use security-coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

• Our internal confidentiality policy states that employees will not disclose information about the Credit Union, its members, suppliers, or employees during the course of employment, except as permitted by law.

• Our employees are trained in the importance of maintaining confidentiality and member privacy. Those who violate our Privacy Policy will be subject to discipline.

• We restrict access to nonpublic personal information about members to those employees who have a specific business purpose in utilizing member data.

• We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard member nonpublic personal information and privacy. 

• We will only share information with non-affiliated third parties as permitted by law.

• We do not and will not sell mailing lists or the financial information of our membership. We do however share certain information in the course of providing and administering the products and services used.

• We will share information with service providers to complete transactions and maintain accounts and related records (such as data processors or check printers). We also share information with select nonaffiliated third parties if you request or authorize it; if the information is provided to a consumer reporting agency in accordance with the Fair Credit Reporting Act or the disclosure is otherwise required by law. Examples of service providers are financial institutions providing services on our behalf, our data processing vendors, collection companies, statement mailers, check printers or other non-affiliated third party entities as permitted by law. 

• We will share information when required to do so by the government (such as disclosures made to the Internal Revenue Service, Credit Union examiners and other authorized governmental agencies).

• We will share information with reputable nonaffiliated third parties to give you access to products you have requested that are not directly offered by The Credit Union, at an often reduced cost (for example as a Credit Union member you are eligible to receive special group rates on long term care insurance through CUNA Mutual). To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality and limit the use of information we provide to carry out the joint marketing specified. Examples of these service providers include mailing operations providers, insurance companies and other non-affiliated third parties as permitted by law.

• If a member terminates their membership with The Credit Union, we will not share information we have collected about the member, except as permitted or required by law.

• We may collect non-public personal information from non-members. We will not share this information except as permitted by law.

• We strive to make sure our records contain accurate information. Inaccurate information, when brought to our attention, will be corrected promptly. We will request that personal information be as current as possible so that our members may take advantage of all that The Credit Union has to offer.

PROTECTING CHILDREN’S PRIVACY ONLINE

Since the Credit Union values the privacy of our young members, we have additional measures to protect those 17 and under. We will not contact children age 17 and under about special offers or for any marketing purpose. Participation in surveys is voluntary and children should obtain parental permission before submitting material.

Email inquiries submitted through our Online Banking will have responses sent to the email address provided within their Online User options. The Credit Union does not collect any personal information from the visitors to our website. Enrollment into the Youth programs is automatic. Quarterly newsletters will be provided to children 17 and under to provide them with information on savings. This information is not shared with anyone outside of The Credit Union.

Questions about the enrollment in any Youth program can be forwarded to:

Community Alliance Credit Union

1 Auto Club Drive
Dearborn, MI 48126

OPT-OUT OPTION

Because we only provide information as permitted by law we do not have an opt-out provision in our Privacy policy. If you wish to be excluded from marketing offers from us or our affiliates, you may contact us and ask to be excluded from future offerings.

WHAT YOU CAN DO TO HELP PROTECT YOUR PRIVACY

Members can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your ATM, Debit or Credit Card which can provide easy access to your account if your Card is lost or stolen.

• Use caution when providing your account numbers, social security number, etc., to other persons. Credit Union employees that contact you will not need to ask for your account number. Make sure you know who you are providing the information to.

• Be cautious of any email that includes requests for personal information. Neither the Credit Union nor any agency with which the Credit Union is involved will ask for information in this way.

• Always use secure web sites when submitting any personal information. To make sure the website you are using is secure check the beginning of the address on your address bar. If secure, it will begin with https:// rather than http://.

• Keep your information with The Credit Union current. It is important that we have current information on how to reach you. If we suspect fraudulent or unauthorized activity on your account, we will attempt to contact you immediately. If your address, phone number or email address changes, please notify us through our website, your local branch or by contacting the Credit Union at (800) 287.0046, or (313) 336.1534.

QUESTIONS

If you have any questions regarding this policy, please contact your local branch, or a Member Service Representative at (800) 287.0046, or (313) 336.1534.