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Privacy Policy
Century Heritage Federal Credit Union is required by law to give you this privacy
notice to explain how we collect, use and safeguard your personal financial information.
It describes your credit union's privacy policy and practices, which apply to
personal information we collect and disclose, including the parties who receive
personal and sometimes nonpublic information from us, as we conduct the business
of the credit union. This notice also contains an opportunity for you to instruct
us not to release personal information to certain nonaffiliated third parties.
If after reading this notice you have any questions, then please contact us at
(412) 650-2600.
Information We Collect About You
We collect nonpublic personal information about you from the following sources:
Information we receive from you on membership and loan applications and other
forms;
Information about your transactions with us or other companies
that work closely with us to provide you with financial products
and services.
Information we receive form a consumer reporting agency; and
Information obtained when verifying the information you provide
on an application or other forms, such as from your current or
past employers or from other institutions where you conduct financial
transactions.
Information We Disclose About You
We are committed to providing you with competitive products and
services to meet your financial needs, which may require that
we share information about you with others to complete your transactions
and provide you with a choice of products and services. In doing
so, we may disclose all of the information we collect, as described
above.
Accordingly, we may disclose the following kinds of nonpublic
personal information about you:
Information we receive from you on applications and other forms such as your
name, address, social security number, and income.
Information about your transactions with us or other companies
that work closely with us to provide you with financial products
and services, such as your account balances, payment history and
credit card usage.
Information we receive from a consumer-reporting agency, such
as your credit worthiness and credit history.
We may also disclose all the information we collect, as described
above, to companies that perform marketing or other services on
our behalf or to other financial institutions with whom we have
joint marketing agreements. To protect our members' privacy, we
only work with companies that agree to maintain strong confidentiality
protections and limit the use of information we provide. We do
not allow these companies to sell the member information we provide
to other third parties.
Lastly, in order to conduct the business of the credit union,
we may disclose non-public personal information about you as permitted
or required by law. These disclosures typically include information
to process transactions on your behalf, conduct the operations
of our credit union, and follow your instructions as you authorize,
or protect the security of our financial records.
Certain Parties That Receive Information From Us Where You Can Request To
Opt Out
We may disclose nonpublic personal information about you to the following types
of third parties:
Service providers such as insurance companies, securities brokers,
financial planners and credit counseling agencies.
How To Opt Out Or Stop Certain Disclosures About You
If you prefer that we do not disclose nonpublic personal information
about you to such nonaffiliated third parties, you may opt out
of those disclosures, that is, you may direct us not to make those
disclosures (other than those permitted by law). If you wish to
opt out of disclosures to nonaffiliated third parties, you should
do one of the following:
Call a member service representative at 1-800-232-0087.
You may opt out of these at any time. This opt out option, by law, will not apply
to disclosures that we make to companies that perform services on our behalf or
to other financial institutions that have joint marketing agreements with us.
Once we receive your request not to make further disclosures, we will act as
quickly as possible to stop disclosures. We will do this by manually putting a
restriction on your account, plus a written notice on the main screen stating
your intent. You may always contact us for assistance if you wish later to revoke
your opt out election.
Note to non-member joint account holders: Anyone of you may exercise the right
to opt out, even if you are not actually a member of the credit union. Century
Heritage Federal Credit Union will treat an opt out request from any one party
to an account as if all of you directed us not to make disclosures to nonaffiliated
third parties to which the opt out right applies.
Disclosure of Information About Former Members
If you terminate your membership with Century Heritage Federal Credit Union ,
we will not share information we have collected about you, except as permitted
or required by law.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees
who have a specific business purpose in utilizing your data. Our employees are
trained in the importance of maintaining confidentiality and member privacy. We
maintain physical, electronic, and procedural safeguards that comply with federal
regulations and leading industry practices to safeguard your nonpublic personal
information.
What You Can Do To Help Protect Your Privacy
Century Heritage Federal Credit Union is committed to protecting the privacy of
its members. Members can help by following these simple guidelines:
Protect your account numbers, card numbers, PINs (personal identification numbers)
and passwords. Never keep your PIN with your debit or credit card, which can provide
free access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers, social security
numbers, etc. to other persons. If someone calls you, explains
the call is on behalf of the credit union and asks for your account
number, you should beware. Official credit union staff will have
access to your information and will not need to ask for it. Keep
your information with us current. It is important that we have
current information on how to reach you. If we detect potentially
fraudulent or unauthorized activity or use of an account, we will
attempt to contact you immediately. If your address or phone number
changes, please let us know.
If you have any questions concerning this notice, please do not
hesitate to call us — we are here to serve you.
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