California Consumer Privacy Act Disclosure

California Consumer Privacy Act Disclosure

What?

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 and Federal Law.

**Businesses are not subject to deletion requests if it would violate State and 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.

California Consumer Privacy Act Disclosure for California
Categories of information collected by the Credit UnionPieces of Personal Information CollectedPurpose for Collection of Information
Personal information provided by you for account openingName, address, Tax ID Number, Date of Birth, phone number, email address, employment, photo ID, incomeRequired 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 requestsInformation regarding assets, tax records, debtsRequired 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 UnionEmail address, name, account information, personal finance information, IP addressTo provide information, products and services to you
Consumer reports including credit reportsAccount balances, payment history, credit historyPrevention of identity theft and fraud, and to evaluate loan requests
Credit and debit card activityTransaction amount, location, time, and merchant identity Enable fraud monitoring and account protection
Online banking activityIP address, login patternsEnable fraud monitoring and account protection
Categories of third parties with whom information is shared and disclosed by the Credit UnionPieces of Personal Information SharedPurpose for Sharing of Information
Third party product and service providers such as online banking, mortgages, cards, and money transfer servicesName, account information including account number, transaction history and loan information, Tax ID Number, address, phone number, email addressTo provide products and services selected by you
Data processorsName, account information including account number, transaction history and loan information, Tax ID Number, photo ID info, address, phone number, email address, employerTo perform business functions such as data analytics and required account monitoring
Consumer reporting agencies including credit reporting agenciesName, account number and loan information, Tax ID Number, address, employer, loan payment historyRequired consumer reporting
MarketingName, address, phone number, email addressTo inform you about credit union products, services and events
Governmental agenciesName, 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 DataRequired by State and Federal Laws
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 generally sell member data and does not contemplate selling in the future. 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.

To opt-out of sharing or for more information

You will need to provide evidence of California residency by providing a valid California driver's license or California State-issued photo ID. The Credit Union may also use evidence of your mailing/physical address in California over at least the most recent 90 days as proof of residency.