Privacy Policy

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’ every day business purposes – information about your transactions and experiences NO WE DO NOT SHARE
For our affiliates’ every day 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 www.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 (such as providing feedback or completing a form). 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 for the purpose of serving you better when you return to our site. A cookie is a small element of data that a website can send to your browser, which may then be stored on your system. Data collected from cookies helps us determine how many people visit certain pages, ultimately enabling us to improve our site design and content. Your web browser can be set to provide you a notice before you accept a cookie.

Our Credit Union is constantly concerned about our member’s critical information and privacy. With this in mind, we have the following security services installed on our Internet server:

  • Each server is behind a Firewall. This UNIX-based hardware product blocks critical ports and IP addresses on servers from external attack and access.
  • Each server runs proprietary software that constantly monitors the servers for unauthorized use and attempts to “hack” into information. Administrators are contacted when forced attacks are committed, and countermeasures can be applied to stop these instances.
  • All administrative activity requires user login and authentication. All administrative updates are logged into files that can be reviewed later.
  • All communication between the web server and member is digitally encrypted by a SSL certificate. Information passed in applications cannot be decrypted by third parties attempting to “pick” information being passed across the Internet backbone.

Information Collected
We do not collect information that personally identifies a user of our website unless the user voluntarily provides that information to us. When you access our website, we automatically collect information that cannot personally identify you, including the date and time of access, the domain you use, the website you last visited before accessing our site, and the route you travel while visiting within our website. This information is used to measure the number of visitors to our website and to provide better service to users through improved website design and navigation.
We do not market our products and services to children, and we will not knowingly collect or maintain information from children via the Internet.

Member Only Areas (Online Banking & eStatements)
Personal identification information (for example, account number, personal identification number (PIN), and password) is collected when a valid credit union member with active account(s) has registered to enter the secure online transactions area of our website. This personal identification information enables us to regulate access to those who request such access and can provide the correct personal information. To protect yourself, it is important that you keep your personal identification information confidential. Select PINs and passwords that are unique to you and not easily guessed, and if possible, change them periodically. Take care to see that others are not able to view the information you enter when you use a protected area of a website.

Cookies
We use “cookies,” which are temporary text files a web site stores on a visitor’s web browser to carry forward information the visitor enters on one page to others he or she visits. The cookies help to protect the privacy of a member’s [customer’s] transaction privacy by automatically terminating online sessions when he or she forgets to log out. When used, cookies cannot capture a user’s email address, obtain data from the user’s hard drive, or gain confidential or sensitive information about the user. A cookie also cannot be read by any website other than the one that sent the cookie.

Online Advertising 
In our online advertising endeavors, Communication Federal Credit Union may use Google Analytics, Google AdWords Conversion tracker, other Google services, Facebook, and other third-party sites which place cookies on a browser across the Communication Federal Credit Union website(s). This cookie placement helps us increase the website’s general effectiveness for visitors.  Cookies are set and read by Google, Facebook and other third party sites. You can opt out of Google tracking at any time by visiting the Google Ad Settings page. You can opt out of Facebook tracking at any time by visiting https://www.facebook.com/ads/website_custom_audiences/ .

Communication Federal Credit Union may also use AdWords, Facebook or other third party remarketing, sometimes called retargeting, to market our website(s) across the Internet. Google, Facebook or other third party sites place a cookie on a browser. Google, Facebook or third party sites reads cookies and may present a Communication Federal Credit Union ad on a 3rd party site. You may opt out of Google’s remarketing here. If you are concerned about 3rd party cookies presenting ads by Google and other ad networks, you may visit a broader opt out page at the Network Advertising Initiative. You may opt out of Facebook remarketing by visiting https://www.facebook.com/ads/website_custom_audiences/

This agreement may be changed from time to time by posting the new Terms of Use on Communication Federal Credit Union’s website. All Communication Federal Credit Union website users agree to be subject to this agreement as it changes from time to time.

Online Forms

We provide online forms and applications to better serve the needs of our members. Personal information provided via an online form is used to process the member’s request for service. Our online forms are sent directly via our secure internal network. (See Email, below.)

Email
In general, Internet email messages are not secure, unless they are encrypted. You should use discretion before submitting any personal or financial information via email. Information communicated via email messages traveling through the Internet may be intercepted, collected, used or disclosed by others. If you are concerned about the security of email communications, please send your forms or correspondence through the postal service or use the telephone to contact us directly.

Links to Other Sites
Our website contains links to other websites. These sites are not under our control. They may collect information about you that we do not. We are not responsible for the privacy practices or content of linked we sites.

If you have any questions concerning this information, please call 800-522-3535 or  405-879-5600 or visit the branch nearest you.