What Does Communication Federal Credit Union Do with Your Personal Information?
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.
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 and Income
- Account Balance and Payment History
- Credit History and Credit Score
When you are no longer our member, we continue to share your information as described in this notice.
All financial companies need to share member’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member’s personal information; the reasons Communication Federal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Communication Federal Credit Union share? | 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 | YES | NO |
| For our marketing purposes – to offer our products and services | YES | NO |
| For joint marketing with other financial companies | NO | WE DO NOT SHARE |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | NO | WE DO NOT SHARE |
| For our affiliates’ everyday business purposes – information about your creditworthiness | NO | WE DO NOT SHARE |
| For nonaffiliates to market to you | NO | WE DO NOT SHARE |
What We Do
How does Communication 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.
How does Communication Federal Credit Union collect my personal information?
We collect your personal information, for example, when you:
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
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.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- We have affiliates, but do not share information with affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- We do not share information with nonaffiliates.
Joint Marketing
A formal agreement between nonaffiliated companies that together market financial products or services to you.
- We do not share information with joint marketing companies.
Internet Security Statement
Confidentiality of Consumer Information in Other Circumstances
Our Web Site
When you visit our website at comfedcu.org, we want you to feel secure that we are respecting your privacy. The only private information we have about you is the information you choose to give us. We do not release that information to others without notifying you on the form and obtaining your consent.
We may use cookies on some pages of our website to better serve you when you return. Cookies help us understand site usage and improve design and content. Your browser can be set to notify you before accepting a cookie.
Our Credit Union employs multiple security measures to protect member information:
- Firewall-protected servers blocking unauthorized access
- Monitoring software detecting intrusion attempts
- Authenticated administrative access with logging
- Encrypted communication via SSL certificates
Information Collected
We do not collect personally identifiable information unless voluntarily provided. We may collect non-identifying data such as access time, domain, referral source, and navigation paths to improve website performance.
We do not market to children and do not knowingly collect information from children online.
Member Only Areas (Online Banking & eStatements)
Personal identification information is collected to regulate secure access to online services. Members should safeguard credentials and use unique passwords.
Cookies
Cookies help protect transaction privacy and terminate sessions when users forget to log out. Cookies cannot access your hard drive or capture sensitive information.
Online Advertising
We may use Google, Facebook, and other third-party advertising tools that place cookies to improve marketing effectiveness. You may opt out via their respective settings pages.
Communication Federal Credit Union may also use remarketing services. You can opt out of these services through Google, Facebook, or the Network Advertising Initiative.
This agreement may be updated from time to time by posting changes on our website.
Online Forms
Information submitted via online forms is securely transmitted and used only to process member requests.
Email is not secure unless encrypted. Do not send sensitive information via email. Contact us by phone or mail if security is a concern.
Live Chat
Live chat conversations may be monitored and recorded for quality, training, and compliance purposes.
- Evaluate representative performance
- Meet regulatory requirements
- Improve service quality
By using live chat, you consent to monitoring and recording. Information may be stored securely and disclosed only as required by law.
Links to Other Sites
We are not responsible for the privacy practices or content of external websites linked from our site.
If you have questions, please call 800-522-3535 or visit a branch.
App Account Deletion Policy
This policy explains how users of the CFCU Mobile App may delete accounts and how data is retained.
Account Deletion Process
- Use the “Delete Account” option in the app
- Send a Secure Message through Online Banking
- Submit a request via comfedcu.org/privacy-policy
What Happens When You Delete Your Account
- Account deleted within 5 business days
- Loss of access to certain services
- Suspension of scheduled transfers and bill payments
- Statements revert to paper delivery
- Membership and account history remain intact
Data Retention
- Transaction History: Regulatory purposes
- Login History: Security and fraud prevention
- IP & Device Info: Legal and security compliance
Compliance with Legal Obligations
Certain information may be retained as required by law or for fraud prevention.
Re-registering
A new app account must be created to regain access.
Contact Us
Questions may be submitted via comfedcu.org/contact.
Request App Account Deletion
If you cannot access the app, please contact us. Verification is required. Once verified, deletion occurs within 5 business days.