WHAT DOES CALCOE FEDERAL CREDIT UNION 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, but is not necessarily limited to: Social Security number and income, account balances and payment, account transactions and checking account information, etc. |
| How? | All financial companies need to share members’ personal information to run their everyday businesses. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons CALCOE Federal Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons We May Share | Do we? | Can you limit this? |
| Our everyday business purposes. (Processing your transactions, maintaining your account(s), responding to court orders/legal investigations, reporting to credit bureaus, et. al.) |
Yes |
No |
| Our marketing purposes. | Yes |
Yes |
| Joint marketing with other financial companies. | Yes | Yes |
| Our affiliates’ everyday business purposes. | No |
Not Applicable |
| Our affiliates’ everyday business purposes. | No |
Not Applicable |
| Nonaffiliates to market to you. | No | Not Applicable |
| To limit our sharing. |
Call 509.248.4308 or visit us online: calcoefcu.com. Please note: New members, your information may be shared 0 days from the date of this notice. Closed members, we continue to share your information as described in this notice. |
| Questions? | Call 509.248.4308 or go to calcoefcu.com. |
| Who we are. | |
| Who is providing this notice? | CALCOE Federal Credit Union |
| What we do. | |
| How does CALCOE 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 digital safeguards and secured files and buildings. |
| How does CALCOE collect my personal information? | When you: • Open an account or deposit money; • Pay your bills or apply for a loan; • Use your credit or debit card. We may also collect your personal information from others, such as credit bureaus and other companies. |
| Why can’t I limit all sharing? | Federal law gives you the right to limit: • Sharing for affiliates’ everyday business purpose; • Affiliates from using your information to market to you; • Sharing for nonaffiliates to market to you. State Law and individual companies may give you additional rights to limit sharing. |
| What happens when I limit sharing for an account I hold jointly with someone else? | The account will be limited by the privacy selection. |
| Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. (CALCOE does not share with nonaffiliates so they can market to you.) |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. (Partners include financial service companies.) |
| Other Important Information | |
| CALCOE does not knowingly collect, maintain or use personal information from our website about children under age 13. If a child whom we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.
To the extent you have executed a Consumer Disclosure Agreement with the Credit Union where a Spireon Telematics Device has been installed in your vehicle, the device collects information about the precise location of your vehicle which is transmitted to the Credit Union. The Credit Union will not share or use the information for any purpose other than administering you loan and enforcement of the security agreement governing your loan. |
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