California Consumer Privacy Act Disclosure

To opt-out of sharing or for more information

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 request that a business that collects their personal information disclose to them the categories and specific pieces of personal information the business has collected, disclosed and/or sold.

California residents have the right to *opt-out of information sharing and selling, and request the **deletion of their personal information. Exercising these rights is protected from discrimination by the business.

*Businesses are not subject to opt-out requests related to product and services you have selected, for business purposes, or if it would violate State or Federal Law.

**Businesses are not subject to deletion requests if it would violate State or Federal Law.

All financial institutions need to share non-public personal information to run their everyday business. In the section below, we list the categories and pieces of personal information collected and shared, and the business purpose.

Categories of, pieces of and purposes for collecting information.
Categories of information collected by the Credit Union	Pieces of personal information collected	Purpose for collection of information
Personal information provided by you for account opening	Name, address, Tax ID Number, Date of Birth, phone number, email address, employment, photo ID, income	Required for account opening, prevention of identity theft and fraud, and to meet regulatory requirements for member due diligence
Personal information provided by you for loan requests	Information regarding assets, tax records, debts and personal information listed above	Required for loan processing and underwriting
Personal information provided by you when using social media, or software and online products and services offered by the Credit Union	Email address, name, account information, personal finance information, IP address	To provide information, products and services to you
Consumer reports including credit reports	Account balances, payment history, credit history	Prevention of identity theft and fraud, and to evaluate loan requests
Credit and debit card activity	Transaction amount, location, time, and merchant identity	Enable fraud monitoring and account protection
Online banking activity	IP address, login patterns	Enable fraud monitoring and account protection

Categories of third parties, pieces of information sent to them and purposes for doing so.
Categories of third parties with whom information is shared and disclosed by the Credit Union	Pieces of personal information shared	Purpose for sharing of information
Third party product and service providers such as online banking, mortgages, cards, and money transfer services	Name, account information including account number, transaction history and loan information, Tax ID Number, address, phone number, email address	To provide products and services selected by you
Data processors	Name, account information including account number, transaction history and loan information, Tax ID Number, photo ID info, address, phone number, email address, employer	To perform business functions such as data analytics and required account monitoring
Consumer reporting agencies including credit reporting agencies	Name, account number and loan information, Tax ID Number, address, employer, loan payment history	Required consumer reporting
Marketing	Name, address, phone number, email address	To inform you about credit union products, services and events
Governmental Agencies	Name, account information including account number, tax information such as dividends earns and interest paid, loan information, Tax ID Number, photo ID info, address, phone number, email address, Census and Demographic Data	Required by State or Federal Laws

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 Union	Pieces of personal information sold	Purpose for selling of information
Third party insurance providers	Name, address, phone number, email address, and date of birth	To complement Credit Union core product offerings with insurance products

Note:

The Credit Union does not generally sell member data. The Credit Union has in the past entered into an agreement to share information for the purposes of making insurance products available to our members as part of our financial planning services, but the Credit Union no longer participates in sharing data for that purpose. Any future contemplation to sell or share data will be done with the best interest of the Credit Union and its membership.