Campbell Employees Federal Credit Union
Campbell Employees Federal Credit Union is committed to providing you with financial products and services to meet your needs and to help you reach your financial goals. Protecting the privacy and security of your personal information and ensuring the accuracy of such information is one of our top priorities. Campbell Employees Federal Credit Union does not sell any of your personal information to nonaffiliated third parties. While the credit union may offer products or services on behalf of outside companies, Campbell Employees Federal Credit Union controls the information used to make those offers.
This Privacy Policy describes how Campbell Employees Federal Credit Union collects and uses your personal information, and how we maintain the confidentiality and accuracy of such information. This policy is provided pursuant to Title V of the Gramm-Leach-Bliley Act (the Federal Privacy Act).
Information That We Collect About You
We collect and maintain your information to serve you and administer your business relationship with the credit union. This information may be collected from a variety of sources such as the following:
- Information such as social security numbers, addresses, e-mail addresses, income, assets and debt that you provide to us verbally, electronically or in writing on applications or forms.
- Information we receive from an outside company, such as a credit bureau, providing your credit history, credit score or employment verification.
- Information created as a result of you being a credit union member or joint owner on a deposit or loan account, such as account numbers, PIN codes, and passwords. (PIN codes and passwords can be changed by members, and once entered into our system, are not accessible by credit union employees.)
- Information about your transactions or experiences, such as insurance contracts issued to you, or loan or deposit balance histories.
- Other sources to verify the information that you provide on an application form. This may be obtained from your current or past employers, or from other institutions where you have conducted financial transactions in the past.
Information Use and Disclosure Within the Credit Union
We use your information within the credit union for a variety of reasons, including the following:
- To protect the security of your account or business relationship. For example, we use your personal information for identification purposes, to prevent unauthorized persons from accessing your accounts or records with us.
- To conduct our business in a safe and sound manner. For example, we use information gathered in loan applications to ensure that we underwrite loans in a prudent manner consistent with the requirements of credit union regulations.
- To satisfy legal requirements. For example, we use your social security number for federal income tax reporting purposes.
- To help us determine which products and services may best serve your needs. Services might be offered by the credit union or by the credit union’s affiliate. Your nonpublic personal information will always remain in the control of the credit union or the affiliate making the offer or extending the service and not be shared except as permitted by law.
Information Use and Disclosure With Nonaffiliated Third Parties that Work for the Credit Union
When it comes to the credit union sharing its information with an outside party, we do so only as permitted or required by law and for specific purposes to provide you products and services that you’ve requested or already have with us. We share the information needed to provide those products and services and to provide a good member experience. We may disclose your information to the following types of outside companies or parties:
- Financial companies, such as companies that service your loan, provide you an insurance or securities product or relationship, or mortgage insurers or payment processing companies.
- Non-financial companies, such as companies that perform services on our behalf – for example: check printers, data processing companies, companies that prepare and mail account statements or notices and companies that help us market our own products and services to you.
- Independent contractors, such as technical system consultants who program our software to help us administer our products or market our own products to you.
- Campbell Employees Federal Credit Union members may elect to keep information from being shared with our business partners. We will take all reasonable steps to make sure that your requests are followed.
Information Disclosed to Outside Parties in Other Situations
The credit union might also disclose its own member information to government agencies, consumer-reporting agencies, and other outside parties as permitted or required by the Federal Privacy Act and other applicable laws. These disclosures are made for specific, limited purposes, for instance:
- To verify individuals’ identities (reducing fraud and identity theft).
- To meet member service expectations (connecting to ATM networks for ATM card access, processing an application for insurance).
- To verify information for prompt credit approvals (meeting members’ immediate financial needs).
- To make certain information a matter of pubic record (recording mortgages to let prospective buyers, title insurers, and others know about property liens).
- To comply as required with subpoenas, court orders, and legal reporting requirements, such as interest reporting to the Internal Revenue Service.
- To relate our experience with you to credit reporting agencies.
- To comply with your written consent, including when you give someone power of attorney or other authorization to act on your behalf.
- To act as an agent or broker of insurance, or completing some other routine business transaction such as selling traveler’s checks.
- To protect your accounts or business records against fraud and unauthorized transactions, to resolve member disputes, and, as necessary, to our regulators, attorneys, accountants and auditors.
In no event will we share any account number or any access code to any of your accounts or business records with the credit union for any marketing purposes without your authorization.
Disclosure of Information About Former Members
It is generally unnecessary for us to disclose information about former members of the credit union to others that have a relationship with us. However, to the extent we do disclose information, we will adhere to the same policies as described elsewhere in this notice.
How We Protect Your Information
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 employees are trained in the importance of maintaining confidentiality and customer privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard our nonpublic personal information.
Contact Us
If you have any questions regarding this Privacy Notice, please contact us at 1-800-257-5354 or at 856-486-3250.
