California Consumer Privacy Act Disclosure

What?

The California Consumer Privacy Act (CCPA) is a California law intended to enhance privacy rights and consumer protection for residents of California, United States.

California residents have the right to know what personal information we collect, use, disclose, and sell in addition to the right to opt out of information sharing and selling, and request the deletion of their personal information. We will not discriminate against you for exercising any of your CCPA rights. For example, unless otherwise permitted by the CCPA, we will not deny you goods or services because you made an opt out or deletion request. California residents also have the right to have your authorized agent make the request on your behalf.

All financial institutions need to share non-public personal information to run their everyday business and most information we collect about you is exempt from opt out and deletion requirements under the CCPA because it is covered by or collected under other federal and state laws. In the section below, we list the categories of personal information, sources of personal information, the purpose of such collection, and third-party disclosure.

Categories of Personal Information we have collected about you:

  1. Identifiers (e.g. name, address, social security number, phone number, email address)

  2. Characteristics of protected classifications under California or federal law (e.g. date of birth, gender, marital status)

  3. Commercial Information (e.g. records of personal property; products and services purchased, obtained or considered; purchasing or consuming histories)

  4. Audio, electronic, visual or similar information (e.g. voice recordings)

  5. Internet or other electronic network activity information (e.g. IP address, browsing history, search history, information regarding your interaction with a website, application or advertisement)

  6. Professional, employment or education (e.g. title, salary, degrees obtained)

Categories of sources from which we have collected personal information about you:

  1. We obtain your personal information when you provide it to us

  2. Third parties such as consumer reporting agencies, collection agencies, governmental agencies, outside contractors, service providers, internet service providers, and data resellers

  3. Our employment operations obtain personal information from job applicants and employees

  4. Social networks

Our purpose for collecting your personal information:

  1. To open accounts, provide loans, and provide information, products, and services to you

  2. To prevent identity theft and to provide fraud monitoring and account protection to you

  3. To meet our regulatory requirements under applicable law and establishing, exercising, and defending our legal rights

Categories of Personal Information and Third Parties to Whom we May Disclose

Categories of Personal Information and Third Parties to Whom we May Disclose.
Personal InformationThird Parties
Identifiers (e.g. name, address, social security number, phone number, email address)Where appropriate your family, your associates, and your representatives; product and service providers such as online banking, mortgage, cards, and money transfer services; data processors; consumer reporting agencies including credit reporting agencies; marketing agencies; governmental, legal, regulatory, or other similar authorities, and court orders; outside professional advisors such as lawyers, subject to confidentiality; and, anti-fraud services
Characteristics of protected classifications under California or federal law (e.g.) date of birth, gender, marital status)Where appropriate your family, your associates, and your representatives; product and service providers such as online banking, mortgage, cards, and money transfer services; data processors; consumer reporting agencies including credit reporting agencies; marketing agencies; governmental, legal, regulatory, or other similar authorities; outside professional advisors such as lawyers, subject to confidentiality; and, anti-fraud services
Internet or other electronic network activity information (e.g.) IP address, browsing history, search history, information regarding your interactions with a website, application or advertisement)Where appropriate your family, your associates, and your representatives; product and service providers such as online banking, mortgage, cards, and money transfer services; data processors; consumer reporting agencies including credit reporting agencies; marketing agencies; governmental, legal, regulatory, or other similar authorities, and court orders; outside professional advisors such as lawyers, subject to confidentiality; and, anti-fraud services
Professional, employment, or education (e.g. title, salary, degrees obtained)Where appropriate your family, your associates, and your representatives; product and service providers such as online banking, mortgage, cards, and money transfer services; data processors; consumer reporting agencies including credit reporting agencies; marketing agencies; governmental, legal, regulatory, or other similar authorities; outside professional advisors such as lawyers, subject to confidentiality; and, anti-fraud services

California Consumer Privacy Act Disclosure for California Residents

Categories of third parties, pieces of information sold to them, and the purposes for doing so.
Categories of third parties with whom information was sold by the Credit UnionPieces of Personal Information SoldPurpose for Selling of Information
Third party insurance providersName, address, phone number, email address, and date of birthTo compliment Credit Union core product offerings with insurance products

Note:

The Credit Union does not have actual knowledge that it sells the personal information of consumers under 16 years of age.

To make a request under the CCPA or for more information

Please note:

California residents entitled to requests under the CCPA will be required to submit three pieces of information including your name, address, and phone number. If we are able to verify your information, we will fulfill your disclosure, deletion, or do not sell/share request to the extent we are able under applicable laws.