FACTS: What does Cinfed 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:
- Social Security number
- Payment history
- Credit history
- Overdraft history
- Credit card or other debt
- Wire transfer instructions
When you are no longer a member, we continue to share your information as described in this notice.
How? All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Cinfed Federal Credit Union chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information
||Does Cinfed Federal Credit
|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
|For our marketing purposes - to offer our products and services to you
|For joint marketing with other financial companies
|For our affiliates' everyday business purposes - information about your transactions and experiences
|For our affiliates' everyday business purposes - information about your creditworthiness
||We don't share
|For nonaffiliates to market to you
||We don't share
Questions? Call 513-333-3800 or go to www.cinfed.com
What We Do
How does Cinfed 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.
We select businesses that offer products to enhance your economic well-being. We will never authorize these firms to charge your account without your consent. We do not sell to telemarketers.
How does Cinfed Federal Credit Union collect my personal information?
We collect your personal information, for example, when you
- Open an account
- Apply for a loan
- Make deposits or withdrawals from your account
- Give us your contact information
- Show your driver's license
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.
See below for more on your rights under state law:
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
- Our affiliates include:financial companies such as: Cinfed Insurance LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
- Cinfed Federal Credit Union 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.
- Our joint marketing partners include insurance companies and credit card companies.
Other Important Information:
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Members. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.
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