PRIVACY POLICY
CN/IC Employees Credit Union (CN/ICECU)
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Your privacy matters to us This notice explains what personal information CN/ICECU collects, how we use and share it, and how we protect it. “CN/ICECU,” “we,” “our,” and “us” mean CN/IC Employees Credit Union. “You” and “your” mean our members and other consumers covered by this notice. |
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The facts
| Question | Plain-language answer |
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| Why do we collect personal information? | We collect information to provide financial products and services, open and maintain accounts, process transactions, evaluate credit, prevent fraud, comply with law, respond to you, and tell you about products and services we offer. |
| What information do we collect? | The information depends on the product or service you use. It may include Social Security number, government-issued identification, contact and employment information, credit history and scores, payment history, transaction or loss history, and online or device information. |
| How do we collect it? | We collect information from you, your transactions with us and nonaffiliated third parties, consumer reporting agencies, and your use of our website, forms, products, and services. |
| Can I limit all sharing? | No. Federal law allows financial companies to share information for everyday business purposes and other permitted purposes. The sharing described in this notice is necessary or permitted by law, supports CN/ICECU’s own or joint marketing, or occurs at your direction or with your consent. |
Personal information we collect
Depending on your relationship with us, we may collect:
- Identity and contact information, including your name, Social Security number, government-issued ID, driver’s license, address, telephone number, and email address.
- Financial and employment information, including employment details, credit history, credit scores, payment history, transaction history, and loss history.
- Account and service information from applications, forms, support requests, loan applications, account activity, and authorized transactions.
- Information from consumer reporting agencies and about transactions with nonaffiliated third parties.
- Online and device information, including IP address, online identifiers, device identifiers, website interactions, geolocation, keystrokes, and communications with us.
How and why we share information
We may disclose the categories of personal information described above for the purposes below. These practices also apply after you are no longer a member, as permitted or required by law.
| Reason for sharing | Does CN/ICECU share? | Can you limit it? |
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| Everyday business purposes—such as processing transactions, maintaining accounts, responding to court orders and legal investigations, and reporting to credit bureaus | Yes | No |
| CN/ICECU’s own marketing—to determine and offer products and services that may be useful to you | Yes | No |
| Affiliates’ everyday business or marketing purposes | No | We do not share |
| Joint marketing with other financial companies—to offer complimentary AD&D insurance and optional additional coverage | Yes | No |
| Nonaffiliates’ own marketing purposes | No | We do not share |
| Service providers—such as companies that support our website, surveys, technology, payments, or service fulfillment | Yes, as permitted by law | No |
| Legal, safety, and fraud-prevention purposes—including subpoenas, warrants, court orders, legal claims, suspected fraud, illegal activity, and safety of people or property | Yes, as permitted or required by law | No |
| At your direction or with your consent—including access you authorize for another person or third party | Yes | You control the authorization or consent |
Why you cannot limit all sharing
Federal law gives consumers the right to limit only certain sharing, including some sharing among affiliates and sharing with nonaffiliates for their own marketing. CN/ICECU does not engage in those types of sharing. State law and individual companies may provide additional rights. The sharing CN/ICECU does engage in is for everyday business or other permitted purposes, its own marketing, joint marketing under an appropriate agreement, or occurs at your direction or with your consent; federal law does not provide an opt-out right for those disclosures.
Who receives information
Service providers. We may share information with companies that help administer our website, conduct surveys, provide technical support, process payments, or help fulfill services.
Joint marketing partner. We share members’ names and mailing addresses with a nonaffiliated insurance company so it can offer and administer complimentary accidental death and dismemberment (AD&D) insurance. If a member returns a signed form to the insurer, the insurer may also offer that member optional paid coverage as part of the program.
Government, legal, and other authorized recipients. We may disclose information to comply with subpoenas, warrants, court orders, other legal process, or applicable law; establish or exercise our rights; defend legal claims; investigate or prevent suspected fraud or illegal activity; protect people or property; enforce our policies; or fulfill a service you request through a third-party intermediary.
Third parties you authorize. We may disclose information when you consent or direct us to do so. Use care when providing another person or company with your sign-in credentials or account information. CN/ICECU is not responsible for a third party’s use or disclosure of information it accesses on your behalf; that use is governed by the third party’s privacy policy and terms.
Definitions
| Term | Meaning |
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| Affiliates | Companies related by common ownership or control. |
| Nonaffiliates | Companies not related by common ownership or control, including service providers and other third parties described in this notice. |
| Joint marketing | A formal agreement between nonaffiliated financial companies that jointly market financial products or services to you. |
How we protect your information
To protect your personal information from unauthorized access and use, CN/ICECU maintains physical, electronic, and procedural safeguards that comply with federal law. These measures include computer safeguards and secured files and buildings. We limit access to nonpublic personal information to employees who need it to provide products or services to you.
Online privacy and security
This section provides additional information about privacy when you use our website, online forms, products, and services.
Information collected online
Online information may include your name or another online identifier; home or physical address; telephone number; email address; IP address; website interactions; geolocation; device identifier; keystrokes; and the contents of communications with us. We may also collect information when you complete a web form, register online or in person, schedule an appointment, or use our products or services.
Online safeguards and correspondence
CN/ICECU uses multiple layers of security. These include HTTPS (Hypertext Transfer Protocol Secure) when transmitting data between our server and your browser and firewalls designed to protect accounts from unauthorized access from outside the credit union. We preserve the content of your email, your email address, and our responses so we can efficiently handle follow-up questions.
Text messaging privacy
| Text-message consent is not shared
Text-messaging originator opt-in data and consent are excluded from the information-sharing categories above and will not be shared with third parties. |
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Children’s privacy
CN/ICECU does not knowingly collect personal information from children under age 13 without consent from a parent or legal guardian.
Links to third-party websites
Our website may link to websites owned or operated by other companies. When you follow a link, the other website’s privacy and security practices apply and may differ from ours. Review that website’s privacy policy, terms of use, and security practices before providing information.
Changes to this notice
CN/ICECU may update this notice from time to time. We will post a revised notice with a new “Last updated” date. Unless otherwise stated, changes take effect when posted.
Questions or requests
| Contact CN/IC Employees Credit Union
Call: (901) 332-2686 |
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This notice applies to the privacy practices described here and is intended for distribution to members and publication on the CN/ICECU website.
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