Charlotte Fire Department Credit Union Privacy Policy

FACTS

WHAT DOES CHARLOTTE FIRE DEPARTMENT CREDIT UNION (CFDCU) DO WITH YOUR PERSONAL INFORMATION?

Why?

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.

What?

The three 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 account balances
  • credit history and credit scores
  • employment information and income

When you are no longer our member, we continue to share your information as described in this notice.

How?

All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Charlotte Fire Department Credit Union chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information

Does Charlotte Fire Department 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 to report to credit bureaus Yes No
For our marketing purposes - to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes - information about your transactions and experiences No We don't share
For our affiliates' everyday business purposes - information about your creditworthiness No We don't share
For our affiliates to market to you No We don't share
For non-affiliates to market to you No We don't share

Questions?

Call toll-free 800-335-6195


What we do

How does Charlotte Fire Department 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 Charlotte Fire Department Credit Union collect my personal information? We collect your personal information, for example, when you
  • open an account or provide employment information
  • apply for financing or give us your wage statements
  • show us your driver's license
Why can't I limit 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
  • sharing for non-affiliates to market to you

State law 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 non- financial companies.

Charlotte Fire Department Credit Union has no affiliates.

Non-Affiliates

Companies not related by common ownership or control. They can be financial or non-financial companies.

Charlotte Fire Department Credit Union does not share with our non-affiliates so they can market to you.

Joint Marketing

A Formal marketing agreement between non-affiliated financial companies that together market our financial products or services to you.

Our joint marketing partners include CUNA Mutual Group's MEMBERCONNECT.