Disclosures & Privacy Policy
Fair Credit Reporting Act
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. The Fair Credit Reporting Act allows you to obtain a disclosure from every credit reporting agency of the nature and substance of all information in your file at the time of the request. Full disclosure and information in your file at a credit reporting agency must be obtained directly from such credit reporting agency.
You are entitled to receive a complimentary copy of your credit report from a credit reporting agency if:
- If a person has taken adverse action against you because of information in your credit report
- You certify in writing you are unemployed and intend to apply for employment during the sixty-day period beginning on the date on which you made such certification
- You have reason to believe that your file at such credit reporting agency contains inaccurate the information due to fraud
- You are a recipient of public welfare assistance
All consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. Please visit http://www.ftc.gov/credit for additional information. Please click on the following link to view the Full Statute: The Fair Credit Reporting Act
USA Patriot Act
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.
What this means to you: when you open an account or change an existing account, we will ask for the following information: your name, address, telephone number, social security number or TIN number, date of birth, employment information, and your driver's license or state issued ID. We will make a copy of these identifying documents for our records.
Campus Federal Privacy Notice [rev. 11/2017]
| FACTS | WHAT DOES CAMPUS FEDERAL CREDIT UNION 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 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 transactions - checking account information and credit history - retirement assets and wire transfer instructions 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 Campus Federal Credit Union chooses to share; and whether you can limit this sharing. |
| Activity | Does Campus Federal Credit Union share? | Can you limit this sharing? |
|---|---|---|
| For nonaffiliates to market to you | No | We don't share |
| 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 | Yes |
| 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 |
What We Do
How does Campus 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 Campus Federal Credit Union collect my personal information?
We collect your personal information, for example, when you
- open an account or apply for a loan
- make a wire transfer or give us your contact information
- make deposits or withdrawals from your account
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 law and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Campus Federal Credit Union has no affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Campus Federal Credit Union does not share with our nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include CUNA Mutual Group's MEMBERCONNECT, financial advisors, insurance companies, plastic card processors (credit/debit/ATM), ID theft vendors, and data processors.
Terms of Use
Campus Federal Credit Union's Web Site is presented based on the acceptance of the following terms and conditions:
Modification
Management reserves the right to modify the terms and conditions under which the Campus Federal Credit Union web site is operated, published and displayed. These terms and conditions may be modified without notice, written or otherwise.
Usage
The Campus Federal Credit Union web site is for your personal use. You may not use material from this web site in any part or in whole without the express written consent of Campus Federal Management.
Third-Party Links
In order to better serve our members, Campus Federal may enter into contract or agreement with third-party vendors whose own web sites may be available as a link on our web site. When you click on a third-party link, you are leaving Campus Federal's site. Campus Federal is not responsible for the contents of any linked site. These links are provided as a convenience and do not indicate or imply endorsement of any third-party material or offerings. Any transactions or negotiations between you and a third-party vendor are strictly between you and that party. Campus Federal can not be held liable for any resulting transactions. Privacy and security policies may differ from those practiced by the credit union.