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 collect personally identifiable information through our website unless it is voluntarily provided by you. We may collect limited, non-identifying information such as access time, general location, domain, referral source, and navigation paths only when performance cookies are enabled, for the purpose of improving website functionality and user experience.
We do not market to children and do not knowingly collect information from children online.
The collection of this information depends on your cookie consent preferences, and in some cases, analytics data may be limited or unavailable.
Website Analytics
We use website analytics tools, such as Google Analytics, to understand how visitors interact with our website and to improve site performance. These tools are enabled only when you consent to performance cookies.
Depending on your consent preferences, analytics functionality may be limited or disabled. Analytics data is used in aggregated form and is not intended to identify individual users.
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 and Similar Technologies
We use cookies and similar technologies to support website functionality, improve performance, and enhance user experience. Cookies and scripts used on our website are categorized as necessary, functional, performance, or advertising.
- Necessary cookies are required for the website to operate and load by default.
- Functional, performance, and advertising cookies and scripts load only after you provide affirmative consent through our cookie consent management tool.
You may accept or decline non-essential cookies and change your preferences at any time. Declining certain categories of cookies may limit the availability of some website features.
Cookie preferences apply across affiliated Communication Federal Credit Union web properties, so users are not required to manage consent separately when moving between sites.
Online Advertising and Marketing Technologies
We may use third-party advertising and marketing technologies, including tools provided by Google, Meta/Facebook, and other platforms, to promote our products and services.
These advertising and remarketing tools are enabled only if you consent to advertising cookies. No advertising or remarketing scripts load by default.
You may manage your advertising cookie preferences through our cookie consent tool or through the settings provided by the applicable third-party platforms.
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 and Virtual Assistant Services
Our website may offer live chat and virtual assistant tools to assist users. These services rely on functional cookies and scripts and are available only if you consent to functional cookies.
Live chat and virtual assistant tools may be provided by third-party service providers. Conversations may be monitored or recorded for quality assurance, training, and compliance purposes, and information may be stored securely and disclosed only as required by law.
If you do not consent to functional cookies, live chat and virtual assistant features will not be available.
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.
Third-Party Service Providers
We may use third-party service providers to support website analytics, live chat services, advertising, and related functions. These providers act as service providers on our behalf and are enabled only based on your consent preferences.
- Data Retention
• Transaction History: Regulatory purposes
• Login History: Security and fraud prevention
• IP & Device Info: Legal, security compliance, and fraud prevention
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.