CAHP CREDIT UNION PRIVACY POLICY


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CAHP Credit Union’s Privacy Policy addresses CAHP Credit Union’s practices regarding our collection, use and disclosure of your personal information. At CAHP Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This Annual Privacy Notice describes the privacy policy and practices followed by CAHP Credit Union pursuant to federal and California law. This Notice explains what types of member information we collect and under what circumstances we may share it.

Federal Law

What does CAHP Credit Union do with your personal information?

Why?
Financial companies choose how they share your nonpublic 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 nonpublic personal information. Please read this Notice carefully to understand CAHP Credit Union’s Privacy Policy.

What?
The types of nonpublic personal information we collect and share depend on the accounts or services you have with us. This information can include:

  • Social Security number, and income
  • Account balances and transaction history
  • Credit history and credit scores

When you are no longer our member, we will not share your nonpublic personal information except as permitted or required by law as described in this Notice.

How?
All financial companies need to share members’ nonpublic personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ nonpublic personal information; whether CAHP Credit Union chooses to share members’ nonpublic personal information for those purposes; and whether you can limit this sharing.

Reasons we can share your personal information Does CAHP Credit Union share? Can you limit 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 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 nonpublic personal information for this purpose.
For our affiliates' everyday business purposes—
information about your creditworthiness
No We don’t share nonpublic personal information for this purpose.
For affiliates to market to you No We don’t share nonpublic personal information for this purpose.
For nonaffiliates to market to you No We don’t share nonpublic personal information for this purpose except under our joint marketing agreements.

What we do


How does CAHP Credit Union protect my personal information?
To protect your nonpublic 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. We also restrict access to nonpublic personal information about you to those employees, officials, and service providers who need to know the information to provide products or services to you.

How does CAHP Credit Union collect my personal information?
We collect your nonpublic personal information, for example, when you

  • open an account or apply for a loan
  • apply for any credit union service
  • visit our website, provide us information on any online application or transaction, or information you send to us by email.
  • use your credit or debit card or pay your bills
  • make deposits to or withdrawals from your accounts

We also collect your personal information from others, including credit bureaus or other companies.

Why can't I limit all sharing?
Federal law only gives you the right to limit nonpublic personal information sharing as follows:

  • 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

However, we do not have any affiliates or nonaffiliates with whom we share any member nonpublic personal information other than our joint marketing agreements.

Definitions

Other important information

Protecting Children's Private Information
Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.


California Law

What is Personal Information?
Under California law your “Personal Information” includes other categories information and data, beyond nonpublic personal information, that identifies, relates to, or may be associated with you. CAHP Credit Union’s disclosures about its privacy practices are more fully described in its Privacy Policy available on its website.


CAHP Credit Union Collection of Member Personal Information

Categories of Member Personal Information We Collect

Your personal information that we collect may include:

  • Personal identifier information: name, email address, social security number, driver’s license number, access codes.
  • Account & transaction information: account number, card number, account information, transaction information, and credit information and required consents, opt-in & opt-out requests.
  • Technical and network information via cookies.

Where We Collect Member Personal Information
We collect the categories of personal information listed above when you: visit our website or submit an online application, conduct any branch, mail or online transaction, use the Personal Finance Manager program or send us an e-mail, or make a phone inquiry.

CAHP Credit Union uses cookies when you visit our website. These cookies are essential for enabling user movement around our website and providing access to features such as your member-only resources, online banking, and other secure areas of the website. These cookies do not gather information about you that could be used for marketing purposes and do not remember where you have been on the internet (such as other websites), and CAHP Credit Union does not track or sell this data. These cookies cannot be disabled if you wish to use CAHP Credit Union’s online services.

CAHP Credit Union Use & Sharing of Member Personal Information

How We May Use Member Personal Information
We may use each category of personal information we collect for the following purposes:

  • To verify the identity of the person conducting the account transaction or inquiry with us or our service providers
  • To fulfill account or service requests that you initiate
  • To prevent fraud or meet legal requirements.
  • To contact you about your account or service requests

We do not sell any of your personal information to anyone.

How We May Share Member Personal Information
We may share your personal identifiable information with 1) our third-party service providers and payment processor to facilitate your services or transactions, or 2) other financial companies with whom we have a joint marketing agreement as further described above. In these situations the third parties are contractually restricted from disclosing or using the personal information for any reason other than to carry out the purposes for which the information is disclosed or as otherwise permitted by law.

How to Submit Requests to the Credit Union or Contact Us for More Information
For any questions or to submit requests about your personal information, please contact the Credit Union as follows:

  • In person—at any CAHP Credit Union branch
  • Mail: CAHP Credit Union – P.O. Box 276507 Sacramento, CA 95827
  • Email: access-24@cahpcu.org
  • Toll-free at 800.542.2247

Our Privacy Policy is posted on our website.

Privacy Policy Changes. We reserve the right to amend our Privacy Policy at our discretion and at any time. We will post our amended Privacy Policy on our website or otherwise notify you as required by law.