Consumers Choice Credit Union
Privacy Policy Disclosure

THIS IS YOUR PRIVACY POLICY DISCLOSURE AND INSTRUCTIONS.IT CONTAINS IMPORTANT INFORMATION CONCERNING OUR PRIVACY POLICY AND INCLUDES NECESSARY DISCLOSURES AS REQUIRED BY THE GRAMM-LEACH BLILEY ACT AND THE NATIONAL CREDIT UNION ADMINISTRATION RULES AND REGULATIONS.PLEASE BE CERTAIN TO READ THESE DISCLOSURES AND INSTRUCTIONS CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Consumes Choice Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals.This sometimes necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities.As a course of business, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider (such as printing statements, ordering checks, ATM products and services to name a few).Under these arrangements, we may disclose some of the information we collect as described below, to companies that perform services on our behalf or to companies with whom we have joint marketing agreements.To protect our members’ privacy, we only work with companies that agree to maintain strict confidentiality protections and limit the use of information we provide.We do not permit these companies to sell to other third parties the information we provide to them.Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union.

We collect and may disclose personal information about you from the following sources:

• Information we receive from you on applications and other forms.
  
• Information about your transactions with us, our affiliates or others.
  
• Information we receive from a consumer reporting agency.
  
• Information obtained when verifying the information you provide on an application or other forms.
  
• As required by the USA Patriot Act, we also collect information and take actions necessary to verify your identification. 

We may also disclose information we collect about you under other circumstances as permitted or required by law (such as subpoenas).These disclosures typically include information to process transactions on your behalf, conduct the operations of the credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Consumers Choice 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 nformation 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.

Web Site Privacy

As a general policy, we do not collect personal information from our web site users.We do collect and store information on the domain used to access our web site, the internet address of the web site from which a user links to the credit union’s web site and the date and time of the visit to our web site.This information is used only to measure the number of visitors to our web site and the route a user travels while within the credit union’s web site to better serve users in improved design and site navigation.

Member Only Areas

Personal identification, such as your account number and password, is collected when a valid credit union member with active credit union account(s) enters the secure online home banking area of the credit union’s web site (www.choicecu.org).This information enables the credit union to regulate access of this information to those who request such access and those entitled to perform transactions on these account(s).

Cookies

Our web site may use cookies (small pieces of information sent by our web server to a visitor’s web browser that reminds our site about the user the next time he or she visits).We do not store confidential or sensitive information in cookies.We use cookies only to enhance a member’s online banking session and ease navigation through our web site.

For certain applications, such as online banking, cookies are required to help protect the privacy of a member’s transactions by, for example, automatically terminating the online session if the member forgets to log out.Cookies cannot be used to capture a user’s email address, obtain data from the user’s hard drive or gain confidential or sensitive information about the user.Additionally, cookies cannot be read by a web site other than the one that sets the cookie.Some web sites, however, use cookies to obtain information from the user’s browser.The user has the option to set his or her browser to notify before accepting a cookie to control whether a cookie is accepted or rejected.

E-Mail Communication

We may use personal information you transmit to us to respond to inquiries for service or information, or improve the service the credit union provides.Since e-mail communication may not be secure against interception by unauthorized individuals, we suggest users to seek alternatives to e-mail when it is necessary to provide sensitive or personal information.Never respond to e-mails that appear to be from the credit union that ask for your account number and/or PIN number.The credit union will never seek personal information when communicating via e-mail.

What You Can Do to Help Protect Your Privacy.

Consumers Choice 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 ATM, 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 be aware that official credit union staff will have access to your information and will not need to ask for it.
• Keep your financial records and personal information in a secure location.
• Never preprint your Social Security Number and driver’s license number on your checks.
• Review your credit report at least once a year.
• Review your account statements regularly and report any suspicious charges or activity.
• Tear up, shred, or store in a secure location all your unused pre-approved credit offers, credit card receipts, cancelled checks, pay stubs and financial documents.
• 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, phone number, cell phone or email address changes, please visit our office or notify us in writing at the following address:Consumers Choice Credit Union, 2510 Weiss St., Saginaw, MI48602.Please include the details of the change and be sure to sign and date your request. 

Assistance to Victims of Identity Theft

If you suspect that someone has had unauthorized access to your account with us, or access to personal identifying information such as your Social Security Number, account number, bank statement, ATM or Debit and/or Credit card information, please contact us immediately at 989-799-5580 or 800-292-3603 so we can take every action to protect you.

If you think your identity has been stolen, you should also:

• Place a fraud alert on your credit bureau by contacting the credit bureaus listed below:

Experian:www.experian.com or 1-888-397-3742
Equifax:www.equifax.com or 1-888-766-0008
TransUnion:www.transunion.com or 1-800-680-7289

• File a police report and submit a copy to your creditors and others that may require proof of the crime.
• File a complaint with the Federal Trade Commission (FTC) at www.ftc.gov/idtheft or call the FTC’s identity theft hotline at 1-877-IDTHEFT (1-877-438-4337).

Reducing Direct Marketing From Other Sources

If you would like to reduce the amount of advertising you receive from companies outside Consumers Choice Credit Union, contact the following agencies:

Direct Marketing Association
Mail Preference Service
PO Box 643
Carmel, NY10512

Telephone Preference Service
PO Box 1559
Carmel, NY10512

You can also remove your name from these lists by visiting the DMA consumers’ assistance web site at www.dmaconsumers.org.

National Consumer Credit Reporting Agencies

If you would like your name removed from lists for pre-approved offers of credit or insurance obtained from the major credit reporting agencies go to www.optoutprescreen.com or call 1-888-567-8688.

The information you provide is confidential and will only be used to process your request.

National Do Not Call Registry

Help eliminate unwanted and uninvited calls from telemarketers to your home when you register your telephone numbers – at no cost – with the National Do Not Call Registry.

Register your residential and cell phone numbers online at www.donotcall.gov or by calling 1-888-382-1222.While this will stop most calls, you may still receive calls from businesses with which you have a relationship.

September 2005